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

CFPB complaint for Elan Financial Services violating your Fair Credit Billing Act ( CFPB ) rights : I am filing a complaint against Elan Financial Services for violating my rights under the Fair Credit Billing Act ( CFPB ). 

Identify the account number associated with Elan Financial Services. 
Im having issues with Elan Financial Services is not responding Elan Financial Services or violating specific CFPB violations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( b ) ). 
Ive requested a 1099C and that Elan Financial Services following the CFPB guidelines, I sent out a dispute letter on XX/XX/year> Elan Financial Services has not responded to my dispute within the required 30 days allotted by Law and i haven't received any communication regarding the investigation. 

Briefly state what you would like the CFPB to do to help resolve the issue. 
You can request the CFPB to investigate Elon Financial Services ' handling of your dispute and ensure they comply with the CFPB Thank the CFPB for their time and assistance. 
5. Attach Documentation I am filing a complaint against ELAN Financial Services for violating my rights under the Fair Credit Billing Act ( FCBA ). My account number is [ XXXX ]. 
On [ XX/XX/year> ], I disputed [ XXXX XXXX # XXXX ] with Elon Financial Services in writing. I believe this violates the FCBA sections 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( b ) as the charges are inaccurate. 
To date XX/XX/year>, I have not received any response from Elan Financial Services regarding my dispute, even though it has been more than 30 days since I submitted it. 
I request that the CFPB investigate Elan Financial Services ' handling of my dispute and ensure they comply with the CFPB Thank you for your time and assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Here is a time Line of the Wire that was sent and activity since. 
Parties involved include XXXX XXXX XXXX XXXX XXXX XXXX ( owned by XXXX XXXX ) and XXXX XXXX XXXX ( representing XXXX XXXX ) 1. On XX/XX/20 XXXX received Wiring instructions from XXXX XXXX ( Exhibit # 1 ) XXXX XXXX XXXX sends over Wire Instructions via email 2. On XX/XX/20 XXXX/XXXX wired {$150000.00} from XXXX XXXX ( Exhibit 2 ) XXXX XXXX XXXX is wired $ XXXX from XXXX XXXX. EX # 1 & EX # 2 are highlighted in green to show they match On XX/XX/20 XXXX XXXX confirms wire is Well received ( Exhibit 3 ) 4. On XX/XX/20 Randomly XXXX XXXX, XXXX XXXX XXXX, confirms they received the funds. ( Exhibit 4 ) 5. Between XX/XX/20 and current we have been communicating with the XXXX XXXX, our bank ( XXXX ) on a resolution to correct this matter. Well Fargo will not correct. XXXX states that they are not going to correct. $ XXXX sent to an account that does not belong to recipient. 

6. On XX/XX/20 XXXX XXXX Communicates to me via phone that they, nor Wells Fargo, should be liable in this instance and that we have the Wrong Wiring Information ( EX # 5 ) Wells Fargo is not communicating, nor are they returning the funds to our account. They are supporting this fraudulent activity.
Product: Money transfer, virtual currency, or money service

PayPal has inexplicably " restricted '' my account and can no longer " do business '' with them without any reason provided to me other than " Some of your products or services are in violation of the PayPal Acceptable Use Policy. As a result, you can no longer do business with PayPal. '' To start off, I do not sell products nor services. I have sent emails to PayPal asking for explanation as to why my account has been banned and they have not responded. The only thing I can think of is that they are punishing me for initiating a chargeback through my credit card company earlier this year when PayPal sided with a seller who scammed me out of approximately {$100.00}.
Product: Credit reporting or other personal consumer reports

I've made a formal request for the elimination of these inaccuracies. It's legally binding that they are promptly removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a copy of my credit file stating that my name was reporting correctly but it's not it still reporting wrong last name on my credit file under the last XXXX, my only name is XXXX XXXX not XXXX please remove all other names that doesn't belong to me I have attached documents to show who I am and what my last name is please correct the error. 

Experian is reporting a last name on my credit file under the last name XXXX, XXXX XXXX is my only name please remove all other names that's reporting on my credit file and Experian is reporting an address which is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX I have repeatedly express to them it is not my address I do not reside there, and I do not receive any mail at that address I have sent in documentation with my address were I receive mail and reside Experian is willing fully leaving this address on my credit file after receiving documentation that I do not reside at that address.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

RE : NOTICE OF INVESTIGATION As the Authorized Representative of this account, over the past 4 years I have made subsequent attempts to have the accounts reasonably investigated in accordance with the FCRA, FDCPA and GLBA, which have all been ignored. Your violation of willful non-compliance has injured my credit reputation and caused me harm, stress as well as put me in grave danger.

NOTICE : REQ PROOF OF AUTHORITY Due to it being apparent that EQUIFAX is in possession of the consumers personally identifiable financial information aka non-public personal information and reporting unlawfully and without permissible purpose. I am conducting a FULL investigation on EQUIFAX, and therefore I require that EQUIFAX respond and provide the following proof in the form of a signed affidavit sworn under the penalty of perjury by an officer that has the authority to execute this affidavit on behalf of EQUIFAX and to bind the same to its provisions of the following ; ( outlined in the attached affidavit ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentia

lity under 15 USC 1681. 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, credit repair services, or other personal consumer reports

I have filed several disputes to EXPERIAN, XXXX, AND XXXX, and have received no answers to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unresolved issue with a Macy 's charge that is impacting my credit report. I have been a loyal Macy 's customer for over XXXX  years, and I have never had a late payment or any issues with my account. 

I ordered items from Macy 's, but I never received the items. Despite this, I was still charged, and I was not notified about any issues. I received a letter in the mail informing me of this charge, and upon contacting Macy 's, I was told it was an error on their end. Macy 's confirmed that they would reverse the payment and take the charge off my account. However, they failed to remove this from my credit report, which is severely impacting my credit score.

When I reached out to Macy 's for assistance in correcting the matter, I was advised that they could not help further. This situation is preventing me from moving forward with important financial decisions, including purchasing a home. 

I kindly ask that you investigate this issue and assist me in resolving the impact on my credit report. I have always maintained a responsible payment history, and this issue has been caused by a mistake on Macy 's part. I would greatly appreciate your prompt attention to this matter to ensure that my credit score accurately reflects my true creditworthiness. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

I am writing to dispute a charge of XXXX to my XXXX account in which I have been disputing with Barclays XXXX and the XXXX  XXXX, since XX/XX/XXXX. The merchandise I received from XXXX  XXXX  was inspected by a XXXX XXXX store in XXXX XXXX XXXX, in XXXX VA on XX/XX/XXXX, XX/XX/XXXX, and by The XXXX  on XX/XX/XXXX. On all three dates it was determined the merchandise I received is indeed fake. 

I ordered the item on XX/XX/XXXX. The seller XXXX XXXX XXXX  has a FAST SHIPPING | 7 DAYS MONEY BACK GUARENTTEE policy on their webpage. I received my led to believe authentic XXXX XXXX handbag merchandise 15 days after purchase ( see attachments ). When the seller shipped this led to believe authentic XXXX XXXX XXXX, they only valued the bag to be worth XXXX dollars. 

Their web page states all products are 100 % authentic and once you receive your merchandise you can get it authenticated. On XX/XX/XXXX ( one day after receiving ), and XX/XX/XXXX, I was told verbally it was fake by a XXXX XXXX sales associate. XXXX XXXX will not offer authentication services in writing because it will damage their brand history and many years of expert craftsmanship. I believe XXXX XXXX knows XXXX XXXX will not offer authentication services in writing and that is why they state to get it authenticated by a XXXX XXXX retail store. On XX/XX/XXXX XXXX XXXX did send me an email after my 2nd visit stating this. 

On XX/XX/XXXX, Barclays XXXX requested that I get a 2nd opinion document on letterhead from another licensed or qualified merchant in the same line of business to support my claim. I reach out to The XXXX. The XXXX XXXX XXXX is an online and brick-and-mortar marketplace for authenticated luxury consignment. Due to Covid-19, my appointment was schedule for XX/XX/XXXX. On this date it was determined again this merchandise is not authentic. 

A senior valuation manager for XXXX XXXX inspected the merchandise on XX/XX/XXXX and discovery the colorway throughout the dust bag, the date code tab shape, date code font, the inferior quality materials throughout, logo tab, colors and fonts used throughout collateral ALL INCORRECT XX/XX/XXXX, Barclays XXXX has closed my case ( XXXX ), due to too much time spent.
Product: Credit reporting or other personal consumer reports

Experian has failed to update me on the investigation of my disputes, as well as keep inaccurate information on my account. The disputes took place last year and my credit has been affected causing my denial for housing and financing.
Product: Mortgage

I refinanced my mortgage with United Wholesale Mortgage on XXXX, XXXX. In XXXX I contacted them and asked them if I should pay for the county property tax. They said yes and they will start paying taxes starting XX/XX/XXXX installment period. I then paid my county property tax. However UWM also deducted {$4400.00} in XXXX from my escrow account. 

I have contacted the county and they said they only received my online tax payment. They don't show any double payment. I contacted UWM many times and as of today they still have not refunded my escrow account. Their customer service keeps saying wait 2 weeks and it has been over 3 months.
Product: Debt collection

I had a debt with XXXX and i paid it. I have since incurred a duplicate amount on my credit report from a company for XXXX. I have told them that this has been paid but not had any success. Please help me to get this resolved.
Product: Debt collection

This new collection appeared on my credit file which I do not have a new XXXX collection. I have fought this same thing with a prior agency and now it appears again with a new company. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the XXXX XXXX. You do n't get to be the reason credit information gets stolen and also charge people XXXX $ to free their credit! This is madness!!!
Product: Checking or savings account

The regions bank don't show the movements complete for the account and I don't know what happened with my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX XXXX XXXX  and they recommended to file this complaint here
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Equifax keeps verifying inaccurate information on my credit profile. Equifax is violating my rights under the Fair Credit Report Act. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX reporting a past due and late payments each month this is violating my rights and I have disputed this account with Equifax on multiple occasions and they keep saying it is verifying inaccurate information and did not properly verify.
Product: Debt collection

XX/XX/XXXX received unavailable call so answered that was my food deliver a man ask you XXXX XXXX and said who calling haven't used that name in over 25 years then he went on stated a summon for appearance in XXXX County courts but he was a mediator his name was XXXX XXXX and as mediator I needed to call XXXX and give complaint XXXX called got a lady ask if check n go she said yes and gave her complaint number she stated we are walking into XXXX County courthouse on fraudulent checks etc. I said what you talking about I been a victim of identity theft last five to seven years so what is this now? She said it you and went in your checking told her no my checking two of them was identified with identify theft and watch your accusing if I owe I pay. Then she never gave memorandum this is a debt any and all information obtained will be used for that purpose so it didnt seem right this call and they call me after finishing my school work for XXXX XXXX XXXX was tired a little. I then proceeded to call Ohio and ask for financial serive and collection department she ask for last 4 of my  social I gave as she was gon na check see if I had anything she said this is attempt to collect a debt ma'am XXXX we had a outstanding balance but we sold that debt to XXXX XXXX XXXX XXXX and for these threatening callers had my maiden name and married these were collectors not following the third party Federal Trade Laws no threstening customers they bad debt collector using force with this company and they bought this debt now for upsetting me and scaring a elder XXXX lady with police and court etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

The bank account was sent to the estate department at B of A, and the dispursed the funds to someone else, without proper probate papers ...