23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am sending this to express deep dissatisfaction with the ongoing presence of fraudulent item on my credit report. After reporting this identity theft, I contacted the company linked to this fraudulent account. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent account would be swiftly removed. 
XXXX XXXX XXXX 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify this account when the other bureaus have already removed it. I urge you to remove this account from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Product: Checking or savings account

Close my checking account and give my remaining money as a check! {$500.00}! Your customer service is abysmal! Nobody wants to waste time with phone calls when emails, secure messages, and live chats would do the job! No excuses! Youre a big bank and your competitors willingly do what you refuse to do! I dont about your excusesclose my account and give me my {$500.00} ASAP!
Product: Debt collection

An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.
Product: Credit reporting or other personal consumer reports

I have disputed and requested inaccurate information to be removed but it continues to show up
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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 scammed by a phone caller on XX/XX/2023 who made me believe he was with American Express. I contacted American Express immediately after hanging up with the caller. 
He made purchases without my permission as we spoke. I never gave him my card information because he already must have had it. American Express is holding me responsible for charges of over {$4300.00} made in XXXX. I've been with American Express for over 50 years and never travelled out of the country, including XXXX. They never contacted me by phone to check on the charges being made. I was not protected by American Express as they claim I would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unauthorized information on my credit report, including a fraudulent medical collection account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and multiple unauthorized inquiries. The medical collection violates federal law, including the No Surprises Act, which prohibits reporting certain medical debts. Despite prior disputes, the account remains derogatory and unresolved. Additionally, the following inquiries were conducted without my authorization, violating FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries have caused undue harm to my credit profile and must be rectified immediately.
Product: Checking or savings account

On XX/XX/XXXX someone hacked my credit karma spend account and my credit karma save account. The person first deposited {$9.00} into my account and when they realized that the transaction went through they then withdrew XXXX out of my savings and over {XXXX} out of my spend account. On my bank statement it says a withdrawal and those amounts and sent to the account cash app XXXX XXXX. I filed a local police report with my local police station to get my money back. Credit karma told me they was going to deposit my money back into my linked bank account on XX/XX/XXXX on XX/XX/XXXX the only deposit I got to a link bank account was XXXXXXXX XXXX  from credit karma. When I called credit karma they told me that they didn't deposit any money into my account.but it shows that they did. Credit karma credit karma told me they going to mail me a check and wanted to verify my address when I gave them my address they wanted me to upload documents. Every time I upload documents credit karma tells me there's something wrong with them and they make me do it again. All they're doing is give me the runaround they do not want to refund my {XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several dispute with XXXX, equifax and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX XXXX XXXXXXXX reporting inaccurate missed payments. 
I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. 
My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in XXXX. 
I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX we attempted to move XXXX GBP from our XXXX bank account ( XXXX amount XXXX USD ). The money was taken out immediately but not paid into the XXXX account. 

XXXX XXXX, the recipient bank, told us that the payment was rejected immediately due to mistakes in the sender details ( specifically extra commas at the beginning of the sender name which caused the transaction to fail ). The money was not returned to our XXXX account however. 

Wise still claims that XXXX XXXX has not rejected the payment and will not release the funds back to our XXXX account. It's a he said/he said situation where both banks claim to not have the money. 

Wise did send us an email on XXXX XXXX asking for more details about the transfer ( this was 3 days after XXXX XXXX says they rejected it ). That email ended up in my spam. They gave us 2 days to respond but I didn't see it until after that 2 days when I got another email saying they were still waiting for a response. The questions were confusing, having questions about the reference we added ( not the payee, or the payer ), XXXX. 

If XXXX '' refers to an entity please provide : - Country of incorporation/registration of transfer - Full ( legal ) name of transfer XXXX XXXX was simply the note we used to identify the incoming transaction, it was not the legal name of either the payee nor the payer, both of which we confirmed were correct ( as were the bank details ). 

We have since requested on XXXX occasions to receive a call from a manager to try and sort out what is going on and where the money is. At first we were promised a call from a manager within 3 working days, but there was no call. A follow up request didn't result in a call but asked us when would be convenient, so I listed some times and received another pledge to get a call from a manager, which again was never received. 

As it stands right now, we are missing nearly {$3800.00} USD from our XXXX account, with no money deposited to the XXXX account and Wise unable to tell us where our money is, or to have a manager or someone with the details to call us back to explain. 

We have been asked several times to go to the recipient bank directly ( presumably to clean up Wise ' mess ) and received the same news each time that the payment was rejected immediately on XX/XX/XXXX We obtained an interim statement on XX/XX/XXXX that shows that the money was not deposited into the account on or after XX/XX/XXXX, and uploaded this to the transaction details in Wise, only to be told that no such documentation had been uploaded. 

As it stands, I believe that XXXX XXXX did reject the payment, and I believe that it was because the payer details were incorrect on the request Wise made to them, but I can not see the actual request made by Wise to XXXX XXXXXXXX so I am unable to confirm that. Wise can not tell us anything about the money other than XXXX XXXX has not rejected it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state. 

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. 

I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney XXXX XXXX. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> my Mercury checking account was put on hold when I tried to transfer funds out of the account. I was told to email them, which I did, and then after an hour they emailed me saying they will be closing my account will RETAIN all the funds. Mercury is an online bank using XXXX XXXX XXXX 's banking. I have over {$68000.00} in my account and they are holding it hostage for infinite amount of time.
Product: Checking or savings account

I am writing a file against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX was reinserted Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ], they where required to notify me in writing within five business days of any reinsertion, they did not!

Initially disputed this account it was blocked and removed without verification uoubskkiwed the creditor to re report this account but this time as a charge off which is also a violation of my rights Once you successfully dispute an account and it is removed or blocked, the FCRA [ 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ] requires that : 1. The credit bureau can not reinsert the information unless the credit
or provides certified evidence of its accuracy and legitimacy.

2. The credit bureau must notify you within 5 business days after reinserting the information.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

CONSUMER NOTICE OF RECISSION OF AGGREEMENT IN ACCORDANCE WITH TITLE 15 USC 1635 ( A ) ( B ) Please receive this letter as my formal RESCISSION ( pursuant to 15 US code 1635 ( a ) ( b ) of contract stock number 36804506 for 2019 Charger VIN number XXXX that was finance at XXXX XXXX XXXX on XX/XX/XXXX. 

I hereby release BUYER and CO BUYER of ALL obligations to perform on this contract and request that all monies, property and SECURITY INTEREST received be returned to me. 
LISTED BELOW ARE CONSUMER LAWS YOU HAVE VIOLATED In accordance with 15 US Code 1635 ( a ) you must provide the consumer with two forms of cancellation explaining cancellation and my rights to cancel at the inception of the agreement, which you have failed to provide.

There is a misrepresentation as to the material facts concerning the identity of the persons involved and the credit extended 15 USC 1692 812 ( a ) You failed to inform me of the finance charges and my rights to the payment of total amount financed to secure this account. 15 USC 1605 ( a ) You have failed to give me full discloser which has caused me ( XXXX XXXX XXXX XXXX XXXX ) to become surety for a United State XXXX  suffering damages as a consumer and natural person due to your neglect
Product: Credit reporting or other personal consumer reports

Hello I sumitted a complaint for unrecognized inquiries on my report. However, they have yet to be removed. I have not applied for any credit with wells fargo orJpmorgan. Please remove this inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed i have fraudelent accounts. please remove these account as they are stopping me from receiving credit.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Over the course of 2 years, I have been going through the proper channels to repair my credit. I have requested for XXXX, Equifax and XXXX to remove an account that was mislabeled as a foreclosure. After XXXX XXXX made the mistake of reporting the account incorrectly, the bureaus took over a year to do the proper investigation. I have requested that XXXX XXXX supply me with supporting documents and they have failed to do so and it has costed me my livelihood for my family and I. I have requested a re-investigation every 30 days since XX/XX/2022. 

I also have tracking numbers for certified letters. XXXX XXXX  will not respond and I have already lost my patience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been currently disputing accounts on all three of my credit reports since. XXXX ... .Equifax and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a XXXX I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX   XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX is reporting false accounts on my report and I haven't been able to open a bank account. I have been a victim of identity theft and my character is being assassinated and defamed. Someone stole my information and opened bank accounts. XXXX  is reporting identity theft and fraud on my name by having this accounts on my report. 
SunTrust, XXXX, XXXX, XXXX XXXX financial institutions have been reporting balances owed, I never opened accounts with them.
Product: Credit reporting or other personal consumer reports

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT. IT HAS HOLD ME BACK FROM AQUIRING NEW CREDIT, PLEASE CONDUCT A REINVESTIGATION INTO YOUR CREDIT REPORTING INACCURACIES.
Product: Student loan

XXXX XXXX XXXX sent a request for validation of debt to XXXX XXXX XXXX, XXXX and XXXX of Navient Solutions Inc via certified mail on XX/XX/2024. There has been no response to this request as required by 15 USC 1692 g.

Instead Navient Solutions has sent an email to XXXX XXXX XXXX stating that this loan is to be transferred in XX/XX/2024. This company violates 16 CFR 313.7 as they have never provided consumer opt out notices for disclosure of non public information to third parties including reporting agencies. 

Furthermore, this company continues to call XXXX XXXX XXXX for payment for an unvalidated debt. 

UCC-11 search results and certificate for the name XXXX XXXX XXXX state that XXXX XXXX XXXX is not a debtor. 

Should Navient Solutions Inc be collecting Federal Reserve notes for a debt that can not be validated this company is in violation of 15 USC 1692 e ( 2 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated.