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

This is my final demand for the immediate removal of the fraudulent account you have reported under account number XXXX, allegedly associated with XXXX XXXX  and opened on XX/XX/year>. I previously requested validation of this debt, and you have FAILED to provide any documentation proving its legitimacy. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1692g ( b ) ), you are required to cease all collection activities and verify the debt upon request. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be promptly deleted from credit reports. Your failure to comply with these legal requirements leaves me no choice but to DEMAND the immediate and permanent removal of this fraudulent account from all credit reporting agencies. 

This account is fraudulent. I have no knowledge of its origin, and I am NOT LIABLE for this debt. I require confirmation that this account has been completely removed from my credit profile and that you have ceased all collection efforts. 

Should you fail to comply with this demand, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Furthermore, I will consider pursuing legal action to enforce my rights and hold you accountable for any damages caused by this inaccurate reporting. 

This is a serious matter, and I expect your immediate action. Confirm in writing that this account has been removed, or be prepared for further consequences.
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 has violated my rights. 

15 U.S.C 1681 602 A. States I have right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it  takes time but I submitted the letters on the second of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.
Product: Debt collection

I paid XXXX XXXX in a debt validation program {$450.00} from XXXX to XXXX to get rid of XXXX XXXX  XXXX XXXX of a they were in communication with me for XXXX  years I never heard anything from any creditors until now i received acollection letter from Midland credit management from XXXX XXXX  that i owe {$1600.00} from XXXX and i can not locate XXXX XXXX they have gone out of business I paid over XXXX for there service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the XXXX date breach. Please resolve this in a timely matter. I will be attaching my original disputes.
Product: Vehicle loan or lease

I want to take out some products and services and they told me it was too late to change it but they never help me with that.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed LVNV FUNDING, RESURGENT a notice to remove furnished collection account information placed on my consumer reports after my opt out request under the Gramm Leach Bliley Act 15 USC 6802. 

They did not respond to my notice or remove the collection reporting. 

It is now XX/XX/2023 more than 30 days since delivery.
Product: Debt collection

I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name XXXX XXXX I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

experian 1. XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. 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. This was already included in my prior XXXX XXXX and I'm including it again. Please adjust the following items immediately : 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

In XXXX of XXXX I began inquiring into why I cant pull my transunion score or get a free credit report. They stated I had fraud reported on my account 10 years ago, and they couldn't unlock it they had to send in a ticket to get it unlocked and would send me a paper report. I have called no less then XXXX times to get this fixed.. and I still cant pull my own report online anywhere, nor have I ever received a paper copy! This is discrimination and is in violation of the fair credit act. I need this corrected immediately.
Product: Mortgage

If you would please be so kind and review my previous complaint with Wells Fargo, it would be most helpful. You will understand the whole complaint. They never resolved anything with me, nor were they helpful. They dismissed my complaint and foreclosed on my home. It was heartbreaking and devastating.
Product: Credit reporting or other personal consumer reports

Un-authorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX  XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN
Product: Credit card or prepaid card

Spoke to a customer service representative named XXXX on XX/XX/19 to lower my interest rate was refused the option even though I have never been late since I had my credit card Explain to several representatives that I was having hardships and explain what the problem was, and still, I was told to call back several times, I closed my account on XX/XX/19 and I was told that I would still have the option to pay my bill online, but Citi bank disable my account and refuse to send out paper statements so I can pay my bill. 
Sent out a hardship letter the beginning of the month asking for a couple of months to pay a certain amount until I could start back paying my regular payment and was not given the options by representative XXXX was told to call back. Made my last attempt to make arrangements on my credit cards and spoke to XXXX XX/XX/19 and she had to start all over with the process of qualifying me for a program with Citi Bank to make payments. 
I went online XX/XX/19. To pay my bill and my accounts had become disable and I was unable to do so. Vice president sent me a general letter requesting me to call customer service and the Credit Card company has made it impossible to work with them. If they are going to disable my account where I can not pay them online, which was convenient for me, I should have been told that when the arrangements were made today by telephone by XXXX.
Product: Money transfer, virtual currency, or money service

Hello XXXX, I have taken all paperwork to the bank and they still stated that they can not help me get the funds back to the and account. 
They are legally not allowed to go into another bank account and retract funds. 
They stated that this should reclaimed back from where the funds came from and that then re-disbursed. 
I will also be letting the Financial Consumer Protection Bureau, know the outcome. 
I would like to get more help with this until it is resolved. 

Can they reclaim it and send out a paper check? 

Thanks XXXX XXXX Sent from XXXXXXXX XXXX  for XXXX On Monday, XX/XX/2023, XXXXXXXX XXXX, Advocacy - XXXX XXXX XXXX wrote : Good Morning Thanks for the reply, I sent you the XXXX statements on your Way To Go card. 

Respectfully, XXXX XXXX XXXX XXXX XXXX Way To Go XXXX XXXX Program Tel : XXXX XXXX XXXX XXXX  Program From : XXXX XXXX XXXX Sent : Saturday, XX/XX/2023 XXXX AM To : Advocacy - XXXXXXXX XXXX XXXX Subject : [ XXXX ] - Re : Way To Go Immediate Attention Required This email is from an external source. Use caution responding to it, opening attachments or clicking links. 

Hello XXXXXXXX XXXX XXXX  waiting on the statements we talked about in our conversation. I need these papers to be able to go to the bank and get my funds back. 

Please send. 
Thank you Sent from XXXX XXXX for XXXX On Wednesday, XX/XX/2023, XXXX AM, Advocacy - XXXXXXXX XXXX XXXX wrote : My name is XXXX and Im a Cardholder Advocate with the XXXX program. We recently received your inquiry, which was forwarded to us by our partners at XXXX, regarding your Way2Go Debit MasterCard. We attempted to contact you before with no results. Please provide a good telephone number where I can reach you. You may also reply to this email to contact me so I can assist you with your escalation request as well. 

Respectfully, XXXX Advocate XXXX Advocacy Group Way To Go Debit Card Program Tel : XXXX XXXX Debit Card Program Here is the interaction that was done with this program. I went to bank as asked and have again been told that they can not legally go into another bank acct and retract funds. That the the funds need reclaimed and resent. The manager also said that they can send a paper check. 

So I am making new complaint to keep this escalate
Product: Bank account or service

On XX/XX/XXXX and XX/XX/XXXX at Chase Bank, someone pretending to be me presented fraudulent checks and asked for the money to be given to them immediately. The checks of course bounced and the bank withdrew the money from my account. The checks were for {$1500.00} and {$1900.00}. None of this seemed suspicious to the bank. They initially denied the claim for reimbursement. They claimed that the information matched what was on file and that the signature matched. I have seen the endorsement of the checks and the signature clearly does not match. I also do not believe they verified the driver 's license number, nor did they ask for the debit card. My wife threatened to sue and they reopened the case. They claim that they have 30 business days to investigate. This sees extremely unfair to me as they gave my money to someone who is not me, expect me to be without the {$3400.00} because of there mistake, and expect me to wait 30 business days for money that I need to pay billls. Also, I am sure that be looking at the security camera footage at the bank it should be easy enough to prove that it was not me that the gave the money to. With the way that the bank has been treating us throughout this process, I have no confidence that they will refund the money. Please help.
Product: Credit reporting or other personal consumer reports

XXXX Customer Data Breach ( Case XXXX ) I have been impacted by XXXX XXXX Breach, XXXX ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. 

My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The derogatory information reflected in my credit report maintained by Trans Union under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Trans Union XXXX XXXX XXXX that the accounts below are fraudulent. 
Account Name : Credence Resource Management : Account Number : XXXX : Balance : {$1000.00} : Opened : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$7000.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$320.00} : Opened : XX/XX/XXXX Account Name : Dept XXXX XXXX Account XXXX XXXX XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX Trans Union routinely and XXXX XXXX the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Trans Union has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes, and has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it. Prohibition on Reinsertions ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Information that has been previously deleted as a result of a dispute can not be reinserted into the consumers report unless certain stringent requirements are met. Trans Union has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline ; Notification of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Upon completion of the investigation, you are required to provide me with a detailed written explanation of your findings and a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- Equifax- Several inquiries reported last year in XXXX that were not authorized, I submitted a letter in writing but was unable to get any resolution.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple unresolved issues with the information on my credit report in TRANSUNION, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, TRANSUNION is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect TRANSUNION to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Debt collection

They did not send me any emails or letters in the mail to the correct address to verify the attempt to collect debt.
Product: Credit reporting or other personal consumer reports

XXXX keeps on flagging the credit bureau that I'm more XXXX late when this vehicle has been return since XX/XX/year> at the XXXX XXXX XXXXXXXX XXXX the sales XXXX took possession of the vehicle. Also, my information was entered incorrectly so I have involved the XXXX XXXX XXXX along with legal action are already in place.
Product: Credit card

I rented a car in XXXX from XXXX XXXX on XX/XX/ and the plastic fell off my mirror And I had insurance through the AMX credit card and XXXX XXXX took XXXX for the damage And then I called AMX and told them everything and they asked for XXXX XXXX photos and in the end they didn't send anything so AMX threw the ball at me and they simply caused the damage to my account Now I'm appealing to you to do the right thing and oblige AMX to refund me the full amount plus a tip for the great injustice they did to me instead of returning the money immediately from XXXX XXXX and paying them from the insurance I have on the card only after XXXX XXXX sends them the photos, they caused me great damage I would like the money back immediately and to add the interest for the entire time the money was in AMX 's hands
Product: Credit reporting or other personal consumer reports

I recently applied for a credit card and I was denied. After reviewing the email Capital One sent me explaining the reasons why I wasn't approved, I realized that some of the statements on that letter were not accurate. I called capital one and I was advised to call XXXX about this matter. XXXX recommended me to call the agency that has my info about some unpaid money and that placed me on collection. After I called that collection agency, I was explained that they have someone with the same name as mine in a different state. The date of birth did not match and when they ran my social and address there was no record of me owing money. I am very frustrated and confused with all this because I'm planning to buy a house this year and I'd like to get my credit history cleared.