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

Company was tasked with investigating ACCOUNT : XXXX XXXX XXXX XXXX Instead of investigating issues company manipulated data at XXXX request and deleted small portions while updating others. Company Legal Basis for Deletion Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), Equifax is required to conduct a reasonable reinvestigation of any disputed information and delete any items that can not be verified. Equifaxs failure to remove fraudulent accounts, despite clear and documented evidence, constitutes a direct violation of my rights under federal law. 
This dispute has remained unresolved for over two years without a proper investigation or validation. As such, I am demanding the immediate and permanent deletion of the above-referenced accounts, along with the full disassociation of my personal information from these fraudulent entries.

Final Demand and Legal Consequences This is not a request for further review or modification. My consumer rights have been egregiously violated, resulting in significant financial and emotional harm. The only acceptable resolution is : The immediate and permanent deletion of all referenced accounts. 
An official deletion confirmation letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, MI XXXX, United States
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I had noticed fraudulent charges in XX/XX/XXXX, related to the CA EDD fraud that has inflicted the system both on XXXX and BoA sides. XXXX then requested BoA to freeze several accounts due to the fraudulent actors in order to verify the ID of benefit recipients. 

In XX/XX/XXXX my ID had finally been verified by XXXX. I had contacted BoA for the status on my account and they had instructed me to call back to XXXX, and provided me with no other information. I've called both XXXX and confirmed with my state senator 's office that my ID has been verified and all actions need to be with BoA. I have relayed this to BoA as well, and submitted furthermore unfreeze requests with BoA, the last being in XX/XX/XXXX. After speaking with several representatives, I had then learned about the unfreeze requests and I'm told to wait an uncertain amount of time for the requests to process. It has been approximately 3 months since my first request. 

Each and every further call I am told to wait and only call back to verify the status of my account, or receive a letter in the mail. Due to this issue with no timeframe and deadline, I have been forced into financial strains with no foreseeable resolution due to BoA 's inaction or insufficient service, believed to be contracted by the state of CA. BoA claims to have increased capacity to help assist with these issues but XXXX has processed requests faster than BoA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.
Product: Debt collection

On XXXX my XXXX XXXX XXXX husband received a debt collection letter from North Shore Agency stating that they are collecting a debt for XXXX XXXX in the amount of {$12.00}. Although he never ordered this magazine he mailed a check in that amount on XXXX XXXX, thinking this would resolve the issue. However, he received XXXX XXXX on XX/XX/XXXX and XXXX He returned both magazines to the senders subscription department. On XX/XX/XXXX, he received notification from XXXX that the order was placed through an agency, that he needed to contact them because XXXX has an agreement that any action must be taken only with their approval. 

I, XXXX XXXX, wife of XXXX, contacted XXXX Customer Service Center advising them that we never ordered the magazine and that we wanted delivery of the magazine stopped. We were advised that a stop order was put in place and that we would receive XXXX more issue. I asked what the date of this order was and was advised that the order for the magazine was dated XXXX XXXX XXXX clearly after my husband had sent the check in response to North Shore Agency falsely claiming that this was a debt collection attempt. He had no debt!

It appears to me that North Shore Agency makes fraudulent claims knowing full well that this debt collection is fictitious. They may even target older people like my XXXX XXXX XXXX husband who are easily confused and intimidated. 

I have all supporting documentation. 

NSA North Shore Agency XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : CONN CREDIT CORP XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Mortgage

Second complaint ( original XXXX XXXX Wells Fargo did not address the initial complaint filed on XXXX with the CFPB. 

The complaint is that Wells Fargo notified originally notified deed holder of the initial auction date of XXXX XXXX, XXXX to be held in the XXXX court house in XXXX XXXX. This notice was served to the deed holder and notarized by the XXXX. At this point, there was no notification from Wells Fargo of a change in auction date as required by law ( state and federal ). At that time, Wells Fargo was ( according to law ) to change the deed into their name regardless of the auction taking place or anyone bidding ( that is the law ). 
They did not. 

Next notification from Wells Fargo was in XXXX of XXXX stating a new auction date was set ( this violates the deed holder notification guideline which states deed holder has to be notified PRIOR to the set auction, which was in XXXX XXXX ). At that XXXX XXXX auction, legally the deed should have been out of XXXX XXXX 's ( deed holder ) name in XXXX XXXX since no notification was given to XXXX XXXX ( deed holder ) of the auction date being change, per LAW. 
This is what our complaint is. Because of this, we were unable to qualify for FHA home lending, or conventional lending ; the date of the foreclosure is marked by when the deed is taken out of the foreclosed on 's ( deed holder ) name. That should have been XXXX XXXX. Instead, because of Wells Fargo not following the guidelines or law of the State of Idaho or federal guidelines that date of foreclosure was n't recorded until the following year at a different auction. 

The information Wells Fargo provided on complaint XXXX did not address this complaint, and did not address that notice of auction in XXXX XXXX. In fact, Wells Fargo neglected to present that information and manipulated their report and the information they provided ( which we 've provided them ), omitting what they wanted in order to support THEIR case. Wells Fargo has neglected to acknowledge the actual complaint we filed in complaint XXXX with the XXXX XXXX XXXX XXXX XXXX. The resolution we request is to have a correction of deed recorded with XXXX XXXX. If that is not possible, then financial compensation in the form of a fine since their inability to do their job according to the LAW prevented XXXX XXXX from financing a new home loan.
Product: Credit reporting or other personal consumer reports

I went through XXXX XXXX relief to resolve this issue. I paid my debt off at the negotiated price and did not know it would show up on my credit report as a charge off. 

In accordance with the Fair credit Reporting act the following creditor have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

around XXXX XXXX i noticed my XXXX account was being deminished by XXXX XXXX ... all my va  XXXX money being wiped out of my XXXX XXXXccount by XXXX XXXX. the total amount in the end was XXXX XXXX ) that was stolen by XXXX XXXX. upon further investigation someone had been ordering products using my XXXX account that was saved in my XXXX XXXX account. contacted XXXX and XXXX stated someone did compromise my account and ordered products total of ( XXXX ). it has now been three months, XXXX assuring me i would receive a refund, and i have still yet to receive a refund. the only thing i have received from this is a lot of fees and headaches. i spent three months calling this company and XXXX states you need to call telecheck ... call telecheck and they state you need to call XXXX please assist in this matter as i am a XXXX veteran and i use my XXXX check for my livelihood.
Product: Payday loan, title loan, personal loan, or advance loan

My issue is this, on Thursday, XXXX XXXX XXXXXXXX. I borrowed {$100.00} from Cash App. I made a utility payment online via web portal on XXXX XXXX XXXXXXXX. ( the same day as the loan was issued by cash app ) for a total of {$100.00} and received a confirmation ( see attachments ) immediately after the payment was made. However, on XX/XX/XXXX XXXX. the transaction that was made the previous day ( XX/XX/year> ) in the amount of {$100.00} was declined by cash app with NO explanation for what happened. Not only was money there, but the date and time that was documented by Cashapp DOES NOT match the date and time that I have documented ( see attachments ). The money was in fact there as multiple transactions as well as withdrawals were made AFTER the transaction was declined. Not only was my transaction declined but, my water disconnected but I then I had to pay over {$400.00} THAT DAY ( {$100.00} that was DECLINED along with NSF fees AND a reconnect fees are included in this total ), to have my water reconnected. The transaction should have NEVER been declined by Cash App yet it was. Cash app LOANED me the money and yet DECLINED it when the money WAS there. I have been trying to catch up on my other expenses because this transaction being declined put me back OVER {$400.00}. Not only did the borrow amount slowly get lowered but now it says that the account has been closed because I have not paid back the loan. Not only can I NOT afford to pay it back while Im paying the other bills that were put on the back burn because of Cash Apps negligence but, I dont feel as though I should have to pay it back now that I have been put in this predicament! I want to reiterate this to you because I am beyond frustrated that I have been unable to get my issue resolved. I have FULLY explained this to multiple customer support team members and I have sent multiple messages via email and via app with images attached.
Product: Credit reporting or other personal consumer reports

This debt collector has engaged in unfair activities that are prohibited by the FDCPA. They provided this account, which we did notagree upon, and I didn't sign an agreement with legal force that requires signatures of the XXXX partiesand XXXX from taking part in any of it. They failed to adhere to the correct XXXX Validation process. They obviously violated my rights and abused my privileges, and I am entitled to pay for these offenses under the FDCPA. I insist that this account be deleted right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, OH XXXX Subject : Request to Unfreeze Credit Report Dear Innovis Consumer Assistance, I hope this letter finds you well. I am writing to request the unfreezing of my credit report with Innovis. I had previously placed a freeze on my credit report for security reasons, but I now wish to lift the freeze to allow access to my credit information. 

Please find below the necessary details to process my request : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX Previous Address ( if applicable ) : same as above Contact Phone Number : ( XXXX ) XXXX Email Address : XXXX I kindly request that you lift the freeze on my credit report with immediate effect to grant access to my credit information. I understand that this request is subject to the appropriate verification process to ensure the security of my personal information. 

If any further documentation or identification is required to complete this request, please inform me promptly. I am prepared to provide any additional information necessary to facilitate the unfreezing of my credit report. 

I would like to take this opportunity to remind you of the importance of protecting consumers ' personal information and complying with the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I appreciate your dedication to safeguarding my credit information and ensuring the integrity of the credit reporting process. 

I kindly request written confirmation of the successful unfreezing of my credit report once the process has been completed. This confirmation can be sent to the address mentioned above or via email to the provided email address. 

Thank you for your prompt attention to this matter. I trust that you will handle my request efficiently and with the utmost professionalism. Should you have any questions or require any further information, please do not hesitate to contact me. 

I look forward to a swift resolution and the unfreezing of my credit report. 

Sincerely, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX XXXX XXXX immediately thanks.
Product: Payday loan, title loan, or personal loan

My identity has been stolen. Someone opened a line of credit with Tally Technologies in my name ( not me ) and have have charged {$5800.00}. I have reported this to the credit bureau agencies.
Product: Credit card or prepaid card

I submitted a payment in full to my XXXX XXXX XXXX for {$XXXX}. With the payment I submitted a copy of my statement. The check has my name and address that is on my account. The payment was received by XXXX on the morning of XX/XX/2018, and the funds were debited on XX/XX/2018. The payment however never posted to my account. I have contacted XXXX 's multiple times and they say they have not received a payment and opened up XXXX different cases to try and locate the payment. XXXX is calling/emailing daily that I am past due and assessed a late fee on XX/XX/2018. 

Today I called again and was told the payment went in to their " general ledger '' because they could not identify an account to submit the funds to. I was instructed I needed to submit a formal claim to get the money back since they couldn't apply it to my account. They asked that I send a copy of the original check. 

At this point XXXX has cashed the check as of XX/XX/2018, but they have neither applied the money to my credit card account nor will they refund the {$XXXX} so I can make a new payment. Please help!
Product: Bank account or service

I called Wells Fargo this morning since I was told last night I was sent to their Lost and Found Department. 
I was told my account is on hold. I was never given an explanation as to why my account was flagged in the XXXX place. 
I called and spoke with XXXX in the Executive Office Banker # XXXX of the Lost and Found Department. 
When I asked her what the problem was, and why my hold is on hold. She processed to read to me several times that Wells Fargo can terminate my account at any given time for no reason. She kept repeating the same phrase. She was unable to provide any direct examples, or point out any issues what so ever. 
XXXX, I get paid and get deposits. This has been the case for months. I have never been advised by Wells Farog that there is any issue. I attached copies of my current bank statement as of this morning. You can see my transactions, and there is no issue whatsoever. 
Why I am being discriminated against? 
Why can I NOT bank in peace like everyone else? 
Why is my account being flagged for no reason? 
XXXX has given me a hard time because she felt like it. So, who is advising her to do so? It must be nice for her to do as she pleases with my bank account. 
It seems to me this is being done so that I have financial hardship for no good reason. 

I have attached XXXX photos. 
1 of current bank statement with current purchases all of which are normal. There is nothing outstanding or strange on my end. 

2. A photo for which shows that I am directly blocked from accessing Wells Fargo Website. Why? Why am I being blocked from banking with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED 2 EARINGS FROM JCPENNY. RETURNED 1 TO STORE THE OTHER 1 WAS NEVER RECEIVED. i NOTIFIED JCPENNY. I WAS TOLD TO FILE A POLICE REPORT AND SEND TO THEM. I DID BOTH. NO RESOLVE. AFFFTER MONTHS JCPENNY HAS DOUBLED THE AMOUNT OF 1 EARING TO 2. Y CREDIT SCORES AT THE CREDIT BUREAUS HAS DECREASED OVER 170. POINTS. THEY HAVE RUINED MY GOOD CREDIT RATINGS. I HAVE NNOTIFIED THEM MY EMAIL MANNY TIMES AND HAVE WRITTEN TO THEM WITH PROOF. STILL HAVE NOT RECIEVED ANY NOTIFFICATION ONLY BILLING INCREASING THE AMOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of watertown now this XXXX thing is now from XXXX -- - origionally did give credit bureau of watertown the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX