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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of XXXX, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Checking or savings account

I closed my deceased mother 's estate account at Chase Bank, for which I am the executor, by phone on XX/XX/XXXX, and asked a check to be mailed to me. I never received the check, and started calling to have a new one sent at the end of XXXX, on the date Chase said I could officially request a new check. They never told me I needed to file a form to stop the check, and only found out a few weeks later after multiple phone calls. I filed a lost check form by email on XX/XX/XXXX and can not confirm that it was ever received. Chase customer service has been denying me status updates on where my check is for 2 months now. I can not access any details of my account with any level of customer service and have filed multiple complaints, the last being on XX/XX/XXXX, and I was promised a call back this week, which I did not receive. Customer service claims they have no access to that level of account detail, but can not connect me with anyone who does, and can not give me any status updates. I literally have no information, despite how many hours I have spent trying. Many times after being passed to multiple representatives and on hold for a long time, the call will get simply cut off. By the time I get to the top representative that I'm told can help me, it's always the same answer : they can only send a message to the " back Office '' and I must wait for a response. There has not been a response in " the system '' yet. No amount of escalations, case numbers or complaints will get me any answers to where my money is. I'm filing this complaint because Chase Bank has failed to send me the money from my own account for since XX/XX/XXXX, and their customer service is unacceptable and worrying. No one who lost a parent and is trying to close their estate account should have to go through this.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




US BKPT CT NJ XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion offer of free credit monitoring through XXXX. Never received credit report but got a lot of email advertising for credit cards. Then suddenly saw a debit pending on my bank account for {$21.00} from XXXX. I did not sign up for a membership and did not authorize this charge. Called them to demand they remove this charge and also called bank to dispute. I found in my research of consumerinfo.com, this has been a common practice with them and were actually fined by the FTC in XXXX for this very thing
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, this Fraudulent XXXX Account ( XXXX ) REAPPEARS on my credit report after it was removed back in XX/XX/XXXX. I DO NOT have ANY SIGNED accounts with XXXX. I DID NOT sign any accounts with them. Furthermore, EXPERIAN removed the account from my credit report back in XXXX of LAST YEAR after they DID THEIR INVESTIGATION in XX/XX/XXXX. So, again, this is MY FINAL ATTEMPT BEFORE I SUE EXPERIAN because they violated the Fair Credit Reporting Act by NOT notifying me before RE-INSERTING an account they removed almost a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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

I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust Bank is reporting a balance of {$580.00} on a closed account and FP ( failed to pay ) from XX/XX/XXXX until today, XX/XX/XXXX. The last payment on my settlement was paid and received on XX/XX/XXXX.I have a letter stating " your account is settled in full and your obligation to us and the above named creditor is now satisfied '' referencing this date. I have disputed with the credit bureaus and Suntrust, after every investigation Suntrust refuses to update per the correct information contained in this dispute.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with XXXX XXXX XXXX under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to XXXX, XXXX, and Experian. 

XXXX XXXX has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from XXXX, XXXX, and Experian the open date is still showing XX/XX/XXXX and XXXX.Since you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.
Product: Student loan

I make payments under the IBR plan. I submitted documentation for recertification in XXXX, but was denied. I was single when I filed taxes, but I am married now ( we plan to file separately ). I was told to put " can not reasonably access spouse 's income '', but was still told to submit my spouse 's income. I was then told to submit another application and have my spouse include his income, but before pressing submit the form stated that they should only submit, if they have student loans and plan to file jointly. So, that was also denied. 

My recertification period is almost up and interest has been capitalized on my loans AND my payment is at its standard level. 

How can this be fixed? I have followed the instructions of multiple customer service representatives at FedLoan Servicing and nothing has worked or been " fast tracked ''.
Product: Credit card or prepaid card

My wife and I have a Chase Bank XXXX XXXX XXXX   Card. On Sunday, XX/XX/2018 my wife contacted Chase Bank via phone XXXX and spoke to a Chase Bank representative to apply accrued purchase rewards to a XXXX gift card. On Tuesday, XX/XX/2018 while reviewing our Investors ' Bank checking account online ( linked to Chase Bank ), we found an unauthorized statement payment of {$4800.00} to Chase Bank resulting our Investors Bank checking account to have a negative balance resulting in overdraft fees. We immediately contacted Chase Bank to refund the unauthorized payment to our checking account at Investors Bank. The representative agreed. We were informed this would take 3 to 5 business days. Any overdraft fees would need to be handled through a separate complaint with Chase Bank. Why would Chase Bank allow their employees to process unauthorized payment transactions that would eliminate all funds from their customer 's linked checking accounts?
Product: Mortgage

My house is up for foreclosure sale initiated by Mr. Cooper. The sale should have never been started. I was in the midst of working with Mr. Cooper on getting government aid to save my home. Mr. Cooper, after I complained to CFPB, said they would cancel the sale when I sent in my divorce decree. Turns out they lied to me and CFPB. And now on top of all this Mr. Cooper is not even my lender any longer. They need to call their attorney and cancel the sale. I contacted the attorney and they said that Mr. Cooper needed to call them to cancel the sale date. I e mailed Mr Cooper but of course got no response. I want to be done with Mr. Cooper. Hopefully this is my last complaint against them.
Product: Credit reporting or other personal consumer reports

Please remove Public Record Bankruptcy filed on XX/XX/year>. It has been XXXX ( XXXX ) years please remove this item from my credit report reported only through Equifax. 

Please remove charge-off from XXXX XXXX due to identity theft and data breach reported only through Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft all my Information has been Hacked.I Have different crisis where my XXXX was stolen and use to file a fraudulent Tax Return, XXXX XXXX, Identity, and Name
Product: Bank account or service

On XX/XX/2016 at around XXXX I attempted to make a deposit of of {$380.00} in cash and a {$90.00} check for a total of {$470.00} at the XXXX 's Huntington Kiosk inside XXXX XXXX in XXXX Ohio. I counted my cash three times before I handed it to the teller who did n't count it in front of me and proceeded to put it in the bill counting machine, which I 've now since learned is called the discriminator. I told the teller the amount I was depositing before he took it to the discriminator. To my dismay and concern he came back insisting I had made a deposit of {$120.00} less than the amount I had referenced. I was incredulous. However, my ire was n't raised until the second banker came over and said he was there to help me. Instead of asking me what my experience was or listening to it, he simply reiterated what the other teller had said and insisted that while he may have dropped a bill or XXXX it was impossible to drop more. He looked down at the floor as he said this. At no time did either try to get my side of the story, or offer to count down the drawer. Instead they both repeated the amount that they insist the discriminator counted. I said that I would never return to this bank branch and that I would go ahead and withdraw my funds and put them in a credit union, as many I knew were doing this. At this point the teller insisted I leave and pointed his finger at me to do so. the next Tuesday morning I went to my Huntington branch and I filled a grievance and was told that now they are discouraged from counting cash back in front of you as it takes too long. I was not offered the possibility of making a report. I had to suggest it and then insist. While the teller was very helpful with the details and did finally ask for descriptions of both tellers, initially he seemed reticent to take the report. I see this as a warning to anyone who intends to deposit it this branch. I believe the XXXX tellers were running a scam at the point of deposit and believe they played on my weak spots to make me question what happened. I was also incredibly concerned at the less then concerned response I was initially met with at the branch banks as well.
Product: Checking or savings account

My account was closed in XXXX of XXXX it is now XX/XX/XXXX 7 months later & i still have not received my closure check of {$7200.00}. Which I believe there was roughly XXXX more in my account but since Chime locked me out of my account I have no choice but to just go by the statement they sent me which i had to request at the time of closure. Any time i call to find out where my check is they give me a run around saying they dont know why i havent received it yet but will mail another ( which never comes of course ) OR they hang up on me. I want my money. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes and lost funds in the light of CFPD lawsuit highlighting significant issues. Zelle failed to investigate my claims and informed me that funds were impossible to recover after reporting any discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX In accordance with the Fair Credit Accordance these accounts has violated my rights 15 U.S.C 1681 section 602 A1 States I have the rights to privacy 15 U.S.C 1861 section 2 1602 A section B a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a email as of today XX/XX/22 stating I applied for a loan with them and they were unable to grant the loan to me because of my credit. I never applied with this company I tried to call them and continue to get the voiclemail.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute unauthorized hard inquiries listed on my Experian credit report. After reviewing my credit report, I noticed hard inquiries from " XXXX XXXX '' dated XX/XX/year>, and " XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX I did not authorize these inquiries, and I am concerned about their impact on my credit score and the possibility of fraudulent activity on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate these inquiries and remove them from my credit report if they are found to be unauthorized or inaccurately reported. 

Details of the Disputed Inquiries : Inquiring Organization : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Organization : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I affirm that I did not initiate any credit applications or authorizations that would necessitate a hard inquiry from either " XXXX XXXX '' or XXXX XXXXXXXX XXXX XXXX Service. '' These entries appear to be mistakes or the result of fraudulent activities. 

Enclosed are copies of documents that support my position and highlight the unauthorized nature of these inquiries. 

I kindly request a prompt investigation into this matter. According to the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. Should these inquiries not be verified as authorized by me, please remove them from my credit report and provide me with written confirmation of their removal. 

I appreciate your immediate attention to this matter and look forward to the resolution of my dispute.
Product: Debt collection

I recently had XXXX collections placed on my credit report both medical bills that have reduced my Credit Score by XXXX points. As per the new rule enacted by CFPB medical debts are not allowed to reduce credit score or show up on credit report. I submitted a complaint to the credit agencies and this has not been removed.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries or collection accounts. Collection company or inquires can not provide information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date of Inquiries : XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian XX/XX/XXXX -Experian Date of Inquiries : XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX of Inquiry XXXX XX/XX/XXXX -XXXX I am unaware of these Inquiries on my credit report XXXX
Product: Debt collection

I requested that Medical Revenue Service validate my debt of {$3800.00} with XXXX XXXX XXXX. The date on their statement was XX/XX/2021. Medical Revenue Service provided a breakdown of my charges and the treatments I had done. My personal information has been compromised to a third party and my HIPPA laws have been violated. This is very disappointing and concerning. I need for Medical Revenue Service to remove this from my credit reports for all XXXX  credit bureaus. This is very damaging in more than XXXX way. If they refuse to delete, I will have to seek legal representation.
Product: Debt collection

Item was placed on my credit report with no knowledge of debt. I have never been contacted by Wakefield and associates or received any validation of debt.