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

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$200.00} The following account was never late, and I request Equifax to remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$960.00} This account is not mine, and I request Equifax to remove it from my credit report. 

Account Name : XXXX XXXX ( Duplicate Account ) Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$5400.00} This is a duplicate entry of the above-mentioned XXXX XXXX account. I urge Equifax to remove this duplicate account from my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Product: Credit reporting or other personal consumer reports

I am at the age where I am shopping for my first car. About 3 months after shopping around and receiving a few denials I decided to call Experian and get a copy of my consumer report. I checked my records across all three bureaus and found fraudulent records in each of my reports. According to the 15 USC 1681 law, there should be no damages on my report.
Product: Credit card or prepaid card

I have a Home Depot Credit promotional card that I use. in XXXX, I paid the balance of {$450.00}. Apparently, they found that the balance still owed {$1.00}. Unknown to me, they sent me a bill which included interest payment of {$250.00} + Interest payment of XXXX and plus interest charge of XXXX. 

Practically all the money in the balance is penalty for what they said was unpaid {$1.00}. 

You can't allow a big corporation to use its power again an ordinary consumer like and scam me of {$280.00}. 

Please help. This has made me sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put RECEIVABLES PERFORMANCE MANAGEMENT , LLC, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
RECEIVABLES PERFORMANCE MANAGEMENT , LLC XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so | May review to see if this is actually an account that belongs to me Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name : have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,/ presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I noticed inaccurate accounts on my credit report tonight, and I have no idea why this is happening. I regularly check my report, but this time, unexpected discrepancies appeared out of nowhere. I tried refreshing my browser, hoping it was just a malfunction, but the errors remained. Because of this, Im requesting a detailed review of the documents Ive submitted so that I never have to worry about this again.
Product: Checking or savings account

On XX/XX/2022 I received a letter ( scanned attached ) with an inactive account to my company name. I did recall creating an account a few years back and I was under the impression it contained XXXX and there were no charges for the account. I called the bank and the person said they can send me to a business person to obtain my fees back since I was unaware the account did not contain the minimum balance ( they claim it XXXX which I do not recall and have no idea why ) and have never received anything in the mail outside of this letter so I was unaware they were charging me fees every month for the last few years. 

As a small businessperson I open all my mail and save everything including every bank statement I receive. Yet I never received any bank statements from Wells Fargo. 

I received a call from XXXX XXXX and I called her back. We connected on XXXX where she informed me of her efforts to contact me and she research everything by reading me her mail and declared that the bank sent me statements every month and even notified me of a change of account where these charges started? Yet - I again said no one loses every single piece of mail. I have never received anything outside of the letter attached. She recommends I call the post office since they may have my mail- only Wells Fargo mail was held- not? Sorry but there is clearly an error on the bank side. I dont think anything was mailed and if I received a statement, I would have corrected the problem immediately. 

In addition, 5 days ago I received an email ( also attached ) an automated email saying my account was changed to mail. I read this to XXXX XXXX and she proceeded to say it was not from her- but it was the day she emailed me and her email was rejected rendering my email account as invalid since she makes no errors. Hmm all the other Wells Fargo emails were received, none said contact us or there is a problem, and my email was valid enough to receive the notice attached but again they make no errors? 

I escalated and it was reviewed by XXXX. Since the post office did not return the mail to Wells Fargo ( these imaginary statements ) the bank feels they did their due diligence. 
They had my address, email address and my phone number ( none changed ) and waited until they took over XXXX in fees for a XXXX account before notifying me and rendering the account inactive ( and even after I contacted them they continue to take fees from the account even though they stated it was inactive ). 

I went to the bank and they did not understand why Well Fargo wasnt returning my fees and recommend I leave it open. That they understood that if I received a statement or any notification, I would have removed my funds or changed the account to avoid service fees. That no one loses 4 years worth of mail or gives their bank XXXX out of XXXX intentionally. They are not a charity. 

This is fraud. They had many ways to contact me and I swear that I thought all along that it had XXXX in the account and it was safe it is in a bank. I can show 8 years of bank statements from all my financial institutions and no statement from Well Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing was done it's been 32 days and i need this information remove! 

All Hard Inquiries and soft Inquiries as well XXXX. Names XXXX. Address XXXX. SSN Variations XXXX. Employes XXXX. Other Records
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The city paid my lawyer, and my lawyer issued me a {$13000.00} check on a XXXX XXXX Chase Bank account. I presented this check to Chase Bank, 4 Chase Metro Tech Center, XXXX, XXXX on XXXX XX/XX/2023. The teller refused to cash the check citing the " account owner has a restriction '' that doesn't allow for anything over {$2500.00} to be cashed. I called my lawyer on the spot and he said, yeah, that's XXXX, he has no restrictions and in fact, has had many clients cash much larger amounts from this exact same account. I asked to speak with the bank manager who again refused to cash the check drawn on his bank. He suggested I " go to a check cashing business to cash the check '' and warned of the roughly {$1300.00} fee I'd have to pay as a lead up to selling me a bank account at Chase by way of pressuring me with a huge financial loss if I didn't buy a Chase Bank account. Which begs the obvious question : would Chase then refuse to honor their own check when Pay Day Loan and Check Cashing presented it to them as they are now refusing me? How does THAT work? As a XXXX veteran who is not that far removed from homelessness, I feel totally abused, almost like being violated. I went three blocks down the street and tried again at a different Chase, thinking it was just a fluke ; a one-off weirdo predatory manager, but it's Chase as an institution that is predatory. I was forced to open an account with Chase, including mandatory overdraft protection ( {$40.00} fee per overdraft ) before Chase would grant me access to my money drawn on their bank. This second Chase ( XXXX XXXX XXXX XXXX Bank 's manager was much more civil and wanting to help, but the best he could do was for me to ask my lawyer to re-issue me multiple checks of {$2500.00} or less, and that he could cash them with a {$10.00} service fee per check. Nice. And while paying {$60.00} to Chase for Chase to cash a Chase check from a Chase account is better than {$1300.00} fee elsewhere, it feels dirty and illegal, like extortion.
Product: Credit reporting

This is written notice to Experian that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the legal right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, and phone numbers, and erroneous credit information, which have been illegally displayed and continue to be displayed on my credit file, be verified, and if verification can not be made within 30 days time frame allowed to Experian by law. the disputes listed in my original complaint must now be completely removed from my credit report ( Experian has now legally exceeded the time frame allowed by law ). 
Experian legal staff will agree that compliance with this request under the laws of the FCRA and Colorado and Federal statutes. 
The law requires compliance with the terms and conditions of the Fair Credit Reporting Act ( FCRA ), within 30 days or complete withdrawl in writting of any claim. 
Experian has failed to remove this inaccurate personal information, and the disputed accounts outlined in my original disputes. this inaccurate personal information should not be associated with my credit report and Experian has failed to legally verify this information in the time frame allowed by law. 
in the event of noncompliance, i reserve the right to file charges and /or complaints with appropriate county, state & Federal authorities, the BBB and XXXX XXXX associations for violations of the FDCPA, FCRA and Federal and State Statutes on fradulent extortion. 

XXXX XXXX XXXX XXXX XXXX Co, XXXX is the only address that should be legally associated with my credit report, I have never lived at the other address that have been associated with my credit report, as I also do not have a phone, this phone number should not be associated with my credit report ( XXXX ) XXXX, please remove this inaccurate information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS SUPRESSING MY CREDIT FILES AND THUS CITI BANK IS UNABLE TO DELETE 3 ACCOUNTS.
Product: Debt collection

BEEN SEEING THESE FRAUDULENT ACCOUNTS EVERYTIME I WAKE UP. 
PLEASE SEE AND CHECK POSSIBLE ACTIONS TO MAKE THESE PERMANENTLY REMOVE.
Product: Checking or savings account

I had a account With TD Bank and when I would get My check Direct deposit some of my check was missing things did n't add up. When I spoke to A Representative t try a straighten out no one was no help.I was of money my rent was back up because of it that happening to me. Then they said I had a lot of drafts which I did n't. So I stop using TD Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. Well over 30 days have gone by, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I've recently checked my credit report and noticed some inaccurate information and accounts on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ATTACHED ARE MY ID AND SOCIAL TO VERIFY IDENTITY AND FTC POLICE REPORT
Product: Mortgage

I am writing because i was again harassed by the last bank representative who responded to my case. She called me today XXXX to state that her response will not change and her resolution is the same. She claimed that she listened to a tape recording where I asked to borrow {$20.00} therefore there was no predatory involved. This was an absolute lie because I was severely harassed because they tried to force me to borrow {$100.00}, then {$75.00}. I was told the only way I would receive the loan was to borrow far more than the {$10.00} that I requested. After being threatened and harassed, I agreed to {$20.00} under duress. The first response from Wells Fargo admitted that the loan representative did try to get me to borrow more money but he only did that to save me money on the closing cost. When I explained that we never discussed closing cost, the bank decided to refer my case to another representative. The bank representative response today bolsters the fact that Wells Fargo uses COOKIE CUTTER RESPONSES TO RESOLVE COMPLAINTS. They hardly ever admit wrong doing that is obvious to the customers being harmed. My recent complaint was for Wells Fargo 's lack of investigations and writing nonsensical excuses for their discrimination, harassment, and racist tactics. Since this bank representative told me that the bank is not going to change their responses, I requested an HONEST BANK REPRESENTATIVE who will truthfully investigate my case and not send me the same lies that they have been sending me for over one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?
Product: Mortgage

Our loan was recently sold to a new company : International City Mortgage. It has been impossible to set up automatic payment through their website ( the only way they have to set up automatic payment ), despite receiving confirmation emails from them that we successfully registered for their automatic payment system. We have had to pay late fees for a few months while trying to resolve this. Phone-based customer service has been completely unhelpful and was unable/unwilling to set up automatic payments. Customer service told us that receiving confirmation emails from them, stating that we had set up automatic payments, did not prove we had set up automatic payments and therefore late fees could not be waived. Automatic payments are taken out the day before late fees are assessed, so there is very little time to send a payment if things go wrong with their system ( which, in our experience, happens frequently ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I requested a dispute the debt listed on my credit report under the account XXXX XXXX as provided by XXXX. The request served as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c.

I requested the following documentation and information : Full Payment History : I request a detailed record of the payment history associated with this account, including all payments made, amounts, and dates.

Original Contract Agreement : Please provide a copy of the original contract agreement bearing my signature that demonstrates my agreement to this debt with the creditor.

Insurance Claim : Indicate whether there is any insurance claim associated with this debt. If there is, please provide the details and documentation supporting the claim.

Chain of Title : Provide documentation that establishes the chain of title for this debt, demonstrating that the agencys had legal right to collect on this debt.