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

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. REPAIR or CORRECT these items that caused me so much stress. 

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

Please remove the following inquires that were NEVER AUTHORIZED by me XXXX XXXX : 1.XXXX  XXXX XX/XX/2022 2. XXXX  XXXX  XX/XX/2022 3. XXXX XX/XX/2022 4. XXXX XXXX XX/XX/2022 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Debt collection

After requests for verification and validation of alleged debt, Carmax XXXX XXXX XXXX has yet to provide requested necessary information to validate alleged debt and threatening to steal my property, as well as continuing to furnish and report false, inaccurate, and defamatory information to third-party consumer reporting agencies without my consent,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  Account XXXX XXXX Amount : {$24000.00} OPORTUNPROG Account XXXX  XXXX : {$0.00} Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

A collection agency continuously seeking an astronomical amount of money that I had already paid down before I was XXXX on XX/XX/XXXX for 15 months of XXXX I was just released on XX/XX/XXXX and now I'm being bill by this agency for more than the amount of the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to XXXX. 

XXXX XXXX XXXX {$1000.00} Account XXXX XXXX XXXX XXXX XXXX {$1400.00} Account XXXX XXXX XXXX XXXX XXXX {$790.00} Account # XXXX XXXX {$3500.00} AccounXXXX XXXX XXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to XXXX and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the XXXX claims form. 

I would like these accounts deleted off my credit reports.
Product: Debt collection

Hello! I have a collections debt from The Bureaus on my credit report, it has been there since XXXX, I have asked them to validate my debt over the course of a few years to no avail. Ive never heard from them nor even know what the debt is for, I had emailed them as well over 45 days ago to no response. So I would like them to validate the debt they have with original paperwork and whatever I may have signed to prove that this is my debt and my account because I am certain it is not.
Product: Credit card or prepaid card

Its been three weeks and I have been trying to log into my account and pay my bill they arent answering there phones still cant get on and now its going against my credit this is bread financial under comenity
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.
Product: Checking or savings account

USAA FSB ( USAA ) failed to process my disputed transaction with XXXX XXXX, which was submitted on XX/XX/2022. XXXX XXXX ( XXXX ) failed to deliver furniture items that were promised to be delivered in XX/XX/2022, after I purchased items online XX/XX/2022. XXXX was informed in XX/XX/2022 that I wanted to cancel the order and I requested a refund. An XXXX representative confirmed my request, but stated additional time was needed in order to process my refund ( 7-10 days ). To date, XXXX failed to process my refund and that lead to me filing a dispute with USAA. USAA is negligent because it failed to process my dispute. I called USAA on XX/XX/2022, requesting an update on the disputed transaction. The representative did not have any updates on the dispute which lead me to believe nothing was done. Later on that day, I received alerts from USAA informing me that a temporary credit was issued. Simultaneously, USAA sent a settlement letter informing me that the dispute was closed because the " required time frame '' had elapsed. USAA 's actions appear to indicate no work was done in good faith to process my dispute. Rather, USAA simply sent a generic explanation regarding its failure to process my dispute.
Product: Debt collection

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account. 

XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

This is a follow up complaint to one filed on XXXX XXXX. I have consulted legal counsel to bring resolution to this matter, as I am exhaustind dealing with Bank of America I have been the victim of identity theft and have had two fraudulent credit cards opened in my name. I received another credit card in the mail with a credit line on {$27000.00} two days ago. This is all despite the fact my credit is frozen with all three credit bureaus, and I have no credit inquiries from Bank of America. I called the BoA fraud line on XX/XX/2023, to report that I had received notification via email that I had been approved for a BoA credit card. I was also informed that a credit card application was submitted on my behalf on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was given a Complaint Reference ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed and constantly have XXXX  attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Text message received : # XXXX ; Two ( 2 ) lnstances of Fake ACTlVITY has made your, ONLlNE RATlNG ( XXXX XXXX ) ; FlX immdiateIy : XXXX STOP to end Phone number attached : XXXX
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

XXXX XXXX  - app and website always says invalid login but it's impossible because it's automatically saved on my phone! I've called months to inform them of all these issues and nothing has been done. 

XXXX present -they have my ssn incorrect in which I've said on every call and it's not been fixed. 

XXXX These people have suspended my account and holding my funds when I have bills due. My car was getting repoed if I didn't pay yesterday in which that's how I found out my account was suspended! It's illegal for them to hold my funds due to their mistakes. There is no fraudulent activity on my account. They suspended my account saying unusual activity but I'm on XXXX and don't have money to acquire extra charges. Then they stated that wasn't the problem but they have to be in compliance and some accounts need documentation to unsuspend accounts like mine. This is highly suspicious because I've been banking with them for several years. I've repeatedly sent the documents over and over again and they keep asking for the same things even though it's documented they have them. I've called a hundred times with no results! Please help because they aren't saying anything nor complying! I need my account unsuspended immediately because there is no reason for this!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to conduct a XXXX transfer in the amount of {$2000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX ) checking account to my Bank of America ( BoA ) saving account. The money never arrived in my BoA savings account. 

I have called BoA and XXXX multiple times starting on about XX/XX/2022 in attempting to find out why the {$2000.00} was never received by BoA. I learned that there was an incorrect account number entered when the initial online XXXX transfer was attempted. In fact, there was a 2-digit error in the account number I entered, but the routing number was correct. 

When I provided BoA with the full account number ( including the correct routing number ) that I used to make the XXXX transfer, they informed me that no account number existed with the account number I entered ( via XXXX XXXX XXXX ). 

I submitted a claim to the third party XXXX vendor that XXXX uses on XX/XX/XXXX. I have contacted BoA multiple times and have been told : * They can not follow up to investigate this matter any further until they have a formal claim from XXXX. * BoA claims that they do not have an account for the account number to which the funds were sent. 

I am at a loss to understand why, if the account number I entered was incorrect, the {$2000.00} did not bounce back to XXXX. I also do not understand why BoA said that a claim by XXXX ( using their third party vendor ) has not yet been submitted. 

I believe that in fact, BoA has the {$2000.00} I attempted to transfer. They have it because it was indeed sent to the BoA tracking number. BoA has done virtually NOTHING to help me. They have my funds and have no interest in finding my funds in their system. I believe BoA has my money! This is legal theft! It should not be legal to keep someones money because of a typo. This is not a case where the money went to someone elses account. BoA has it!
Product: Student loan

I am a new VA employee enrolling in the federal education debt repayment plan ( EDRP ) for my medical school loans. To enroll, I need my loan servicer ( EdFinancial ) to complete form VA XXXX in a 120 day deadline. This type of request is not an option for uploading documents to their portal. I sent multiple portal requests at the end of XXXX for how to complete this and they did not respond for over two months. When I responded to their message, no one replied. In XXXX and XXXX, I called multiple times to see if they could provide me instructions. They said that they can't help me over the phone and recommended I mail the form. I mailed it and two months later have still received no response or assistance and I have a deadline to complete this form for the EDRP. I called again today and they had no idea if my form had been received. The said " it's hit or miss to mail things '' even though that is what they instructed me to do. They had me upload the form under " military orders '' as no option fits my request ( even though I am not a member of the military ). I am coming up on my deadline and they are not sure when they will have my form completed ( they said hopefully XXXX ).
Product: Credit reporting or other personal consumer reports

The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of BirthXXXX XXXX XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of XXXX XXXX  to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information XXXX XXXX XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following personal information that is showing for me which is incorrect Incorrect Address * XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.
Product: Mortgage

We applied for a mortgage loan with Ever Bank for our new home and they are asking us to pay {$5000.00} as a deposit to lock in the rate without even giving a loan estimate with proper closing costs in writing. We shared our details with the loan officer including our XXXX 's income information and details of the property we are in contract with. We asked to pay {$5000.00} to lock in the rate without giving a proper loan estimate with details of the loan as per TILA laws/disclosure guidance as per XXXX Details of loan officer. 
XXXX XXXX Loan Officer T. XXXX C. XXXX F. XXXX XXXXXXXXXXXX XXXX ID : XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand to address my formal dispute regarding an unauthorized hard inquiry on my credit report.
Product: Debt collection

Without a written notice or a judgement, 1st choice money center contacted my employer to engage in wage garnishment.