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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Subject : XXXX and XXXX XXXX 's Account Number XXXX This letter is to dispute the correspondence dated XXXX XXXX, 2016, where XXXX XXXX with Wells Fargo Recovery Group determined our account was handled appropriately and he found no errors in servicing our account. 
I respectfully, XXXX XXXX can in fact prove without a reasonable of a doubt that Wells Fargo Loan Mitigation department and the assigned loan modification rep, XXXX XXXX, misplaced legal documents needed on our account and ignored numerous incoming phone calls / voice messages requesting confirmation on the requested documents needed to proceed with my loan modification request. 
I am asking this denial be over turned and reopened as well as all phone logs/records to show I did in fact call multiple times and left multiple messages on XXXX XXXX voicemail of which all were ignored. To refuse to reopen this matter is wrong and would amount to predatory lending practices and a violation of the lending laws. 
Please advise as soon as possible if you are agreeable to rethink your denial letter in getting back our home and to avoid further legal action here on our part. We have done everything asked of us and in a timely manner. This was my second time to request a loan modification with the first time being fully completed with no issues or missing documents. In addition, I have all backup paperwork sent in to Wells Fargo and phone logs recorded on all conversations that were answered and not answered by XXXX XXXX. I look for your response soon and If you need anything further, please contact me at XXXX or email me at XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did notconsent to, authorize nor benefit from any of the following inquiries block and remove them. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Debt collection

I am compelled to address the concerning actions of Helvey & Associates. It has come to my attention that they have neglected to provide me with proper notice or a dunning letter, affording me the opportunity to contest or validate the purported debt. Instead, they have swiftly proceeded to list the alleged debt for collection. This conduct blatantly infringes upon my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I assertively demand the expeditious removal of the tradeline from my consumer report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate ChexSystems Reporting by XXXXXXXX XXXX Dear XXXXXXXX XXXX and Chexsystems, I am submitting this formal dispute against XXXXXXXX XXXX  XXXX regarding the unlawful reporting of a business account on my personal ChexSystems report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file. 

Disputed Account Details : Bank Name : XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> XXXX/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report.

Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which U.S. Bank has failed to do.

Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information.

Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate.

Requested Resolution : Immediate removal of this illegally reported business account from my personal ChexSystems report. 
Written confirmation of its deletion. 
An investigation into XXXXXXXX XXXX unlawful reporting practices. 

Noncompliance may result in legal action. 

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

In accordance with the Fair Credit Reporting act, the following XXXX Account has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX unauthorized transaction {$8.00} XX/XX/XXXX XXXX -XXXX  XX/XX/XXXX unauthorized transaction {$66.00} I have been with chime for 2 years. I am so sick of telling this story but I am filing wherever I can because this bank is treating me like my business is worthless. 
I keep my life savings at this bank and it was fine until last saturday someone stole my debit card and used it at XXXX gas stations in another city. I immediately recieved a notification and called chime. I wanted to stop the pending transaction obviously because I didn't authorize it and I cancelled my card. Chime told me they had to let my payment post before they could issue a credit. I should have seen this as the scam that it was and asked for a supervisor immediately but I was trying to do what I thought I should do. Now here we are on Monday I called I filed a very detailed dispute and they refused to refund the money from these illegal charges even after me reporting them. So basically they aided in the theft of my money I am guessing to protect the merchant instead of helping me as a consumer that banks with them. 

I have asked them several times in several ways to give me my money back but they wont help me. I am a mother of XXXX boys I go to school and work full time and my rent increased I need that money back I have never reported anything before I am not being dishonest but they don't care. I really think this bank is a scam. I tried to dispute the charges before they posted and it wouldn't let me then I called and asked for a XXXX and they sent me to someone in another country with kids screaming in the background who told me that she couldn't re-open my dispute. Then we I emailed support they basically told me I have to find these random XX/XX/XXXX stores and beg the merchant to return my funds... I feel like this isn't even legal and I feel like im being robbed by my own bank. I went ahead and created another account with XXXX hoping that I can invest in a better institution but I know this situation is some kind of a scam and I am not going to stop reporting what happened to me. I just want my money back for the transactions I didn't initiate. If that had happened I wouldn't even be considering another bank. I just think I have been scammed by this bank. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not accurate. 

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

information repotting on my Equifax 0n XX/XX/20 from XXXX says I have 39 serious delinquency. this is absolutely incorrect. I have never been delinquent on my accounts. and if it shows delinquent it was cuse of Identity thef not any doing by me.
Product: Credit reporting

I disputed accounts with the credit furnisher XXXX XXXX on XXXX occasions via certified mail as well as with the credit reporting agency, Experian. On the first occasion the furnisher reponded to my dispute contradicting my dispute with their evidence that was intended to support my ownership of this debt and requested that the credit reporting agency preserve this information on my credit report. I responded with a second dispute including legal documentation that validated my dispute, contradicting the evidence they presented with me as the owner. After the second dispute via certified mail with the furnisher I received no further correspondence, with evidence disputing my legal documentation. However, they contacted the creditor without investigation and asked that they keep this information on my credit report.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX Fifth Third Bank is who I have done banking with for 3 years and while I am sitting at work one day with my debit card in my hand, I logged into my account online and my money had gone from {$410.00} dollars ( which was part of my rent money ) to XXXX dollars and the charge said XXXX I have no bills I pay to XXXX for any reason whatsoever. I reported this immediately to my bank and they shut that debit card down. It states in the cardholder agreement that with-in 10 business days they will credit my account while they complete their investigation. It has been 30 days and I still have not received my money back I even called XXXX and they looked into it and told me I was a victim of gift card fraud. The criminal who created this crime got away with getting my money out of my account to purchase a gift card and then cashed it. If I can not receive that money back by the XXXX of XXXX My daughter and I will become homeless with no place to live because the bank did not honor their agreement they sent me a paper to sign told me I could email it back I did the same day and still nothing no money. If I become homeless where is my protection I am scared to death and someone needs to be arrested for this crime. I was a loyal member for years and this is how I am treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXXXXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit
Product: Credit card or prepaid card

I applied for American Express Every Day Credit Card on XX/XX/XXXX and was approved for XXXX Membership Rewards Points after spending {$2000.00} within 3 months as welcome bonus. Now after 3 months I didn't receive my welcome offer even though I've met the spending requirement. I tried to talk to American Express and they said my welcome bonus was declined with no reason. During the application process, there was no pop out window reminding me I would not eligible for this welcome bonus offer. I hereby request American Express to investigate my case and grant me the welcome bonus.
Product: Debt collection

I received at phone call to my cell phone number XXXX at XXXX from a gentleman whom claimed to be calling to collect a debt from XXXX XXXXXXXX in the amount of {$410.00} he advised he needed to verify the last four of my ssn which he was correct, he then proceeded to say how can we take care of the balance i advised him that i would like a letter sent to me he advised he would do it through email and asked for my email address, when i received the email it came from XXXX there was a phone # to call XXXX also a letter attached, on the letter its not signed by corprate office or anyone from that company it does not disclose any options to dispute debt just states federal law requires we notifiy this is an attempt to collect a debt by a debt collector any any information obtained will be used for that purpose. states creditor is XXXX XXXX orginal creditor XXXX XXXXXXXX orginal acct # XXXX ref # XXXX. i then called the place where i took out the loan at XXXX at XXXX spoke to XXXX whom advised that there is no debt owed that it was XXXX and company paid it she then advised me to call there corp office so i did that at XXXX XXXX XXXX XXXX the woman i spoke with advised me that she has same system as XXXX so if XXXX is not showing a balance then there is no balance owed. she googled the ph # and info regarding Advanced Captiol Solutions and she advised it was coming up as a fraud ph # and to file a complaint with the CFPB, which i am doing now.
Product: Credit reporting or other personal consumer reports

I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income.

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

XXXX XXXX and XXXX XXXX XXXX, in concert with XXXX XXXX XXXX, are violating the FCRA.
Product: Debt collection

There is a collections account on my credit report by Portfolio Recover XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied other than a useless bill showing a previous balance but no other information. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, complete history showing payments, charges, interest and fees to support the amount of debt you claim is owed, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Please cease and desist all collection attempts and remove this erroneous information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard time providing any information to anyone pertaining to updating my personal information on my reports and have hard times proving who I am to banks and financial institutions making it difficult for me to get verified for very important things that I need to take care of
Product: Credit card or prepaid card

I applied for a credit card with Discover Bank and was denied in the pre-approval process. I have been discriminated against and there was an adverse action taken against me. As a consumer, I know that they will gain financially by using my personal information. Also, the corporation will use my application as a valuable instrument to profit as well. I feel that I should benefit from this consumer transaction as well.
Product: Credit card

CITI Bank cancelled our XXXX XXXX credit card alleging that given our income we could meet our credit obligations. They say they based their decision on " secret '' guidelines and mywife 's credit report. The latter does not contain income data and our income and payments arejoint. We have been meeting all our credit obligations on time including finishing recently longterm payments on both a mortgage and a car loan. Because they are acting unfairly and in anot transparent way we have concluded that CITI is discriminating against us because of ourage.
Product: Checking or savings account

XX/XX/XXXX  I deposited two checks. Both checks were held because they said the signature on my check was irregular. I might believe that with one check but not with two. I called the bank and asked for help and they refused to release any funds even though I had proof that both checks had cleared the banks they came from. Wells Fargo has once again proven that they believe they can do whatever they want with no recourse. Holding funds for 10 days is not fair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

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

I called the company Zwicker & Associates that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for XXXX XXXX and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.