23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

The Creditor, 500FASTCASH500 PAYDAY LOANS, has continued to call me requesting payment after I have legally proved that this is a, " Thief/Fraudulent Account! '' All, " XXXX Credit Bureau, especially XXXX Credit Report, " REMOVED/DELETED '' this account after I had to file XXXX police reports and verified that this account does not belong to me. All documents were also sent to this Creditor of 5OOFASTCASH500 Payday Loan Company twice and they still continue to harass me in wanting payments for an account that has already been, " REMOVED/DELETED from my credit reporting bureaus. If I remember correctly, XXXX was the first to remove them then XXXX Credit Bureau. Please inform this creditor that this account has been disputed legally with police reports and verifying documents that I proved this is, " NOT '' my account! 
Please inform this Creditor that I was a victim of Identity Theft /Fraudulent Activity, in which this is well documented with Credit Financial Protection Bureau , ( cfpb ), Federal Trade Commission , ( ftc ), and the credit bureaus! All disputes and documents, again have been legally filed with my local law enforcement. 
All documents have been submitted and recorded with the Credit Bureaus, and I mailed this Creditor all the information as was required by me. 
" 500FASTCASH500, should have, " ALL '' the documents that were mailed to them as well as whatever the XXXX XXXX XXXX had sent them when they removed this account from my credit files. ''
Product: Debt collection

Kohls calls all hours of the day and night from out of town numbers continually. I have proof that they call XXXX to XXXX times a day at innappropriate hours.
Product: Checking or savings account

I received a letter today ( XX/XX/2024 ) from TD Bank dated XX/XX/2024 and mailed on XX/XX/2024 stating that my checking account will be closed on XX/XX/2024. I called the customer service number XXXX and spoke to customer service representative XXXX at XXXX XXXX  today. She called the branch, which was open at the time, but no one answered. XXXX said the account does not have any notes on it, so she wasn't able to provide any reason. XXXX transferred me to supervisor, XXXX at XXXX XXXX. She called the bank too, but no one answered. She said that there are no notes on the account. XXXX transferred me to another department, but the call was disconnected by the system, since I was not given an extension number. 

My wife and I drove to the XXXX XXXX branch, which is the branch that sent the letter, and only two tellers were in the branch. We spoke to XXXX at XXXX XXXX. She said that XXXX XXXX was on vacation and the issue is a management issue and no manager will be available until Monday, XX/XX/XXXX. XXXX said that she doesn't have access to any notes in the system, so nothing can be done.
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS COMPLAINT REGARDING UNAUTHORIZED CREDIT INQUIRIES THAT HAVE ADVERSELY AFFECTED MY CREDIT REPORT. ENCLOSED WITH THIS LETTER IS A COPY OF MY DISPUTE AND FTC REPORT. THESE INQUIRIES ARE NOT AUTHORIZED AND INITIATED BY ME. THIS IS CLEARLY A VIOLATION OF MY RIGHT AS PER Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. THESE ARE THE INQUIRIES THAT I HAVE LOCATED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WOULD LIKE THE CONSUMER FINANCIAL PROTECTION BUREU TO INVESTIGATE THESE UNAUTHORIZED INQUIRIES PROMPTLY.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect Name : - XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX  Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries are in violation according to the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately. 
15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX. A REPORTING AGENCY I DO NOT KNOW i did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX , EXPERIAN XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION ALSO AS AN INTERNATIONALLY PROTECTED PERSON PROTECTED UNDER THE XXXX XXXX 18 USC SUBSECTION 112 MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND FURTHER FEDERAL ACTION IS IN ROUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan and purchase contract is going to a breach because Equifax decided to put a fraud alert with a decades old number on my credit file. All alerts were removed and my personal information updated when I started this mortgage process. Of the 3 bureaus this incorrect information only reappeared on Equifax. Depsite overnighting the written request and ID to remove the friUd alert and update the telephone number to XXXX Equifax continues to loop me around when I try to call in
Product: Credit reporting

A " paid '' Judgement was placed on my Equifax credit report which never should have been there. I began disputing this item XX/XX/2017 with the Circuit Court and then on XX/XX/2017 with Equifax . Equifax disregarded my letter ( s ) and updated my credit report to show a " Balance " of {$930.00}. I did have an account with XXXX XXXX but that account was paid in full and it was never taken to court. I want this inaccurate information removed from my credit report immediately.
Product: Checking or savings account

Over the past couple of months Bank of America has let my account be hacked 4 times. Now they are holding {$400.00} of mine that was stolen from a fraudulent transaction and now I cant pay my bills until they give it back. At first they told me Id be refunded in 24-48 hours and its well past that time frame. Now say they will not give it back until XX/XX/XXXX. This is putting me in a tough position and my phone is going to be shut off unless I get the money. Why do you let these people run over the little people like this? {$400.00} is nothing to them but its causing many problems for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX  {$120000.00} ( late payments ) 2. XXXX XXXX XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXXXXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized hard inquiries To whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On multiple dates ( over 5 ) my paycheck was held for 7 or more days, after contacting the Bank I was told they would look into it, and that no fees would result from this. But nothing has be resolved and I have now received over {$500.00} in fees because of autopay bills. Now I can't get ahold of the corporate office and people at my local branch just tell me they will look into it but never call me back.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the Alleged debt, nor therefore any such debt. In fact therefore exists XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  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 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

On XX/XX/XXXX, a formal letter was sent to XXXX and Equifax requesting verification of a bankruptcy appearing in my credit file. I received a letter back on XX/XX/XXXX, from XXXX indicating this bankruptcy was verified as accurate. 
On XX/XX/XXXX, I contacted the credit bureaus and spoke with a representative about the " alleged '' bankruptcy and was informed that they would reopen the investigation. 
On XX/XX/XXXX, I contacted XXXX and Equifax again to inquire about the resolution to the " alleged '' bankruptcy and was informed by XXXX XXXX at XXXX in XXXX that the bankruptcy was " verified '' by a 3rd party professional entity and that the " alleged '' bankruptcy would remain. I requested a copy of the signed " alleged '' bankruptcy petition be sent to me or whatever documents XXXX and Equifax used to verify " alleged '' bankruptcy ( because XXXX, XXXX XXXX, and XXXX are not reporting the " alleged '' bankruptcy ) and was advised they did not have actual verification documentation they could send as proof of verification. 
On XX/XX/XXXX, I mailed another letter to XXXX and Equifax requesting a copy of any documentation used to verify " alleged '' bankruptcy as this is my right as a consumer according to the FCRA Section 609.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer report and noticed inaccurate accounts reporting on my consumer report. XXXX and Equifax are in clear violation of the law under 15 USC1681B. The account in question is XXXX  XXXX # XXXX { {$200.00} }, which reflects as paid with the original creditor. 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 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. Due to the company 's inaccurate reporting, I have been denied continuously for credit cards, and apartments. I have suffered from XXXX  XXXX, due to the increased housing market and several denials of providing shelter for my family. 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: Checking or savings account

I had XXXX unauthorized charges from XXXX ran with my debit card ending in XXXX on XX/XX/XXXX for XXXX $ and XXXX XXXX I opened a claim ( claim # XXXX ) with Wells Fargo via telephone immediately as soon as I noticed the transactions and they cancelled my card. XXXX business days later on XX/XX/XXXX Wells Fargo informed me that they determined an error did not occur. 

I called XX/XX/XXXX to see if I can appeal and I was told no. They told me to call merchant to ask for refund, I called target on XX/XX/XXXX and they said they couldnt see the transactions I was talking about so I then filed a complaint with better business bureau and I am currently waiting for a response.
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 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Over the past couple of years, Wells Fargo has charged my account numerous overdraft fees using the 'highest to lowest ' method of accounting. With my account not having a sizable financial cushion ( as my family live on limited means ), this practice has caused serious financial distress. Every now and again, they will refund a portion ; however, they are viewing this as 'giving ' me money back. The last set of overdraft fees was on XXXX/XXXX/2016 : a direct deposit was scheduled to go into my account, but some drafts we presented the same night. Per my online statement, the dates for the transactions were the same, but the deposit was accounted for LAST. The deposit was more than enough to cover the incoming drafts with a little to spare ; but because of the way the accounting was handled, they charged me {$140.00} in overdraft fees. Over the past 18 months, I have been charged over {$4200.00} in overdraft fees! Some of these fees include {$12.00} per transaction when money is transferred from a " Way To Save '' account that is linked as an overdraft account to my primary checking account. The purpose of this overdraft account is to prevent ... OVERDRAFTS! But yet, I have been charged {$12.00} per transaction to use this service! Unfortunately, the last time I called the customer service line at Wells Fargo, I was pleading with a CSR to see if anything could be done to reverse some of the recent fees. While I was mid sentence, he transferred me to another department, without saying a word, adding insult to injury!
Product: Debt collection

Protofolio Recovvery Associates LLC keep sending me a debt acct # XXXX I sent them a letter asking them to verify the debt which they have been unable to provide me with what i have ask. They have also refused to remove it off my credit report.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau Official, Red :  XXXX with American Express I submitted a credit application for an American Express credit card. On three occasions they called me by phone indicating that I should send documents to validate my address. On three occasions I sent a copies of recent personal documents such as a receipt for the water bill, a receipt for the electricity bill, and a receipt for the internet bill. In all of these documents my address was fully verified. However, they were again demanding more documents to make a decision. I have been in this direction for more than 15 years and I have an excellent credit history and I have an empirical of more than XXXX points. 

I have Credit cards from XXXX XXXX, XXXX and others principal US baos for many years, all in good standing. 


I am sure that this is a situation of pure discrimination because of my XXXX  condition.