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

XXXX and Experian are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Checking or savings account

1. Closed account XX/XX/2019. Cashed cashiers check XX/XX/2019 from Wells Fargo. I was forced to have a inhereded IRA with Wells Fargo. 

2. I continually receive emails on account. 

3. Wells Fiasco has 43 indictments. Number of data breaches. From a privacy standpoint I would like all data and info deleted from their computers of my association. 

4. Called 5 times. Talked to over 15 neophites and no one know how to delete account information.

5. Called MN state AG. Well Fiasco sent a form letter no resolution. Called complaint company and they did not return call. The tape said they would return call in 24 hours.

6. Do I have the right to have my data and information deleted under the privacy act? I'm concerned that the data can be breached and I will lose my identity. Doesn't the consumer have the right to have his data and information removed?

6. Solve the problem. Sending the complaint to WF will get no where. What authority do you have and what are my rights to have my information removed?

7. WF created false new accounts from consumers. Now WF is keeping closed accounts open.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these people my information has been given out without my consent.
Product: Debt collection

a car was surrendered XX/XX/XXXX and sold in XX/XX/XXXX so the debt was settled when they accepted the money for the car. I feel iI should n't have this on my report. it should have been gone when the car was sold in XX/XX/XXXX.
Product: Debt collection

I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX  XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR XXXX ext XXXX
Product: Credit card or prepaid card

On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges. <P/>On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges. <P/>On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies. <P/>In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account. <P/>It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.
Product: Payday loan, title loan, personal loan, or advance loan

Was led to XXXX  by One Main employee that the life insurance was required to get the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report maintained by XXXX, TransUnion, and XXXX. I have been affected by multiple data breaches, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and most recently, another incident on XX/XX/XXXX. 

These breaches have significantly compromised my personal information, leading to fraudulent charges on my credit cards and unauthorized access to my bank account. Consequently, I have had to open a new bank account to mitigate the damage. Despite my efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, including items that I have disputed as fraudulent. 

Specifically, I am seeking guidance on how to rectify the inaccurate items on my credit report, as I believe that the data breaches are directly linked to these discrepancies. I am willing to provide proof of the fraudulent charges and the impact on my bank account if needed. 

It is crucial for me to have an accurate credit report, and I respectfully request your assistance in addressing these matters. Thank you for your attention to this pressing issue. I look forward to your guidance on how to resolve these inaccuracies. 

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

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry XXXX XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The inquiry was not authorize please delete asap. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap.
Product: Checking or savings account

I opened a TD checking account in XX/XX/2019 because of a promotion they were running for a TD Beyond Checking stating only two direct deposits above {$2500.00} total were needed to qualify for a {$300.00} introductory bonus. After fulfilling the requirements well over the amounts and direct deposits required I waited 3 months and did not receive anything. I began to message them on their secured message server and separately confirming the promotion via their customer service representatives on the phone. Every time I called the representative assured me I would be receiving the bonus in the next week, and that I should call again in 7-10 days. After repeating this process 6-8 times and receiving different answers to why I havent received the offer a representative and manager told me they could no longer find the promotion running during the period that I opened the account ( which was the entire  reason I chose this bank other than ATM fee reimbursement ) Today I have emptied the account and I am submitting this claim to see if there is any hope in keeping the relationship with the bank. Hopefully someone at the CFPB can help
Product: Checking or savings account

Deposited XXXX into personal checking with chase bank XXXX XXXX branch zip XXXX. 
Branch manager XXXX XXXX confirms availability by voicemail on XX/XX/23, in addition I called customer service to confirm which they did. The check was written for XXXX check XXXX and chase called me to confirm validity which I did, they bounced the check payable to my XXXX XXXX account at XXXX XXXX. I went to chase branch above, they wired it out. I called fraud while sitting in the branch, they wire they said was sent. XXXX that evening, still pending, I called and they sent me to fraud despite verifiying in person and via phone with their etf dept. They said ok, its all good. The wire was delayed 2 days, I have still no explanation why my original check was returned. The branch manager declined to speak with me directly. Sad this was my first ever bank account with positive longstanding deposit history. 

I am demanding a bank letter of error for the bounced check. And {$8.00} fee I received from XXXX. 

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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 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 or 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: Debt collection

I contacted Freedom Mortgage in XXXX many times over the past 4 years about their faulty practices. In fact I have sued them before and they settled. I contacted them in XX/XX/XXXX about my home they wrongfully and neglectantly closed on. I have sent them the letter that they sent me stating that they were not legally able to foreclose on my home until XX/XX/XXXX, because it was protected under the SCRA. When I contacted them concerning the matter They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did in fact send me a falsified documents and documents were different from the original deed that I possess. 
Freedom Mortgage just needs to be shut down period. They are a thorn and a causes great harm to our veterans and other Americans who have worked hard to secure the American Dream. I truly do not see how the government allow companies like this to remain open and thrive, and also give them bailouts with taxpayers dollars. I have the SCRA paperwork they previously sent me and it has been forwarded to my attorney I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Product: Student loan

Sallie Mae balance was XXXX in XXXX Last attended school in XX/XX/XXXX Navient balance XXXX
Product: Checking or savings account

A check I mailed via the UPSP was stolen and someone altered the check significantly-wrote over the name of the original payee which was a business-and changed it to an individual 's name and also altered the dollar amount from {$550.00} to {$5500.00}. When I noticed the discrepancy via my online banking access, I contacted my bank-Chase-who submitted a claim on my behalf. I was told the check was negotiated at Bank of America. The alteration was so blatant, I could not understand how the bank negotiated the check. I also submitted a claim with the US Postal Service. My bank told me that I would have to wait up to six ( XXXX ) months for Bank of America to process the claim and there was no guarantee it would be reimbursed. I can not understand why I must wait that amount of time for Bank of America to reimburse funds for an error created on their end. I am a small business owner and the amount taken from my account is creating a financial hardship. It is unacceptable that I have to wait that long a period of time to have my funds reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN Under 15 USC 1681 b -permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave XXXX XXXX XXXX XXXX EXPERIAN any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts linked below as a consumer demanding deletion of these accounts. XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/2020 My National Insurance number is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2017, I received a letter from Mendelson Law Firm - XXXX, stating that a creditor, XXXX XXXX XXXX, had referred a debt to them for {XXXX from XXXX XXXX XXXX XXXX ( USA ). I responded with a debt verification request on XX/XX/XXXX ( the day of receipt ). On XX/XX/XXXX, I received another letter with an Order attached to the general sessions court in my county. They are supposed to VERIFY the debt and allow 30 days. It 's fishy because I have never heard of XXXX XXXX XXXX XXXX XXXX XXXX. What is this " XXXX ''?

When I checked on XXXX XXXX XXXX XXXX website, it shows they hire a third party, XXXX XXXX XXXX, to handle all accounts as well. Who do I officially owe this money to? I do n't remember any {XXXX} credit card from XXXX XXXX. No one is acknowledging my correspondence.

I have cc : 'd all correspondence to the XXXX XXXX XXXX in my county as well. Not sure if it will help, but I 'm a single mom of XXXX. Why pick XXXX to start rattling cages.

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

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX