23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a transaction of {$2000.00} removed from my account. I never authorized this transaction and Ive called Wells Fargo & told them this multiple times and they have yet to resolve my issue. 

According to XXXX policy as well as Regulation E for a transaction to be determined as fraudulent, it must be : An unauthorized transfer for example, if someone steals your phone and accesses your XXXX account. 

Ive already stated that the transaction was not made by me and Wells Fargo has still not issued me a credit. I received that money through my University in the form of a refund check as a means to cover other school or financial expenses. I have spoken with Wells Fargo multiple times and they keep saying it was an authorized transaction which it was not. Clearly if it was I wouldnt be calling them so much asking about my money. This process has been ridiculous and unfair and Id like a credit issued to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. COLLECTIONS XXXX {$520.00} COLLECTIONS XXXX {$100.00} COLLECTIONS XXXX {$59.00} COLLECTIONS XXXX {$61.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit card or prepaid card

To whom it may concern I am writing to formally complain about Citi bank and their disregard for what is happening to their clients. I have a Citi credit card with a balance and have been seeking assistance from Citi.I have never missed a payment and have perfect credit. I was asking for interest deferral to buy some time to pay down the card .I am self - employed and have lost all of my work and income. I do not want to differ payments as the interest will still accrue, that really doesnt help. All of my other banks, car payments, other credit cards and loans have all stepped up and deferred payments and interest. 
Someone with the authority to look into their practices need to ask them why they need to collect interest when people are a couple months away from losing everything. It is a shame that Citi cant come up with a better solution. 
Please help with this matter in any way you can as I am sure there are thousands upon thousands of people being bullied and strong armed by Citi .Shame on them for not being better corporate citizens, obviously they are not concerned with anything but their interest earned on hard working people who desperately need assistance in theses unprecedented and difficult times. 

Thank you for your time and consideration.
Product: Debt collection

Sunbit keep calling and trying to get a debt where I added to my bankruptcy
Product: Money transfer, virtual currency, or money service

I can't access my bank account through XXXX. I am told that pnc does not give me access
Product: Debt collection

I called Harris & Harris LTD XXXX- Stated the payment was made on XXXX. Harris & Harris stated they bought the collection on XX/XX/year> after the payment was made. They told me to call XXXX TX XXXX XXXX XXXX. XXXX TX tollways said that they have not received my payment even though it was REMOVED from my account on XXXX {$38.00}. I asked to speak to a supervisor, I was placed on hold for about 2 mins then the rep came back said that I was unable to speak to the supervisor and that the bill is still owed of {$40.00}. I called back today XXXX and the call was hung up on.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely, ENCLOSED ARE THE FOLLOWING TWO DOCUMENTS THAT VERIFY MY IDENTITY Social Security Card Inquiry made by : XXXX OF XXXX, XXXX XXXX NA, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX CARD
Product: Debt collection

NCP Finance Limited Partnership have called me several times pretending to be someone coming to serve me papers about a debt I supposedly owe. I have voicemail messages to verify this. They have also called my grandmother, pretending to be a judge with my casefile looking to discuss my case with me. The one time that contact was made, I was spoken to very aggressively and in a condescending manner. I was never told the details of the alleged debt, as they were too busy trying to scare me into making a payment right a way and threatened to sue me if I did not.
Product: Debt collection

I have never had dealings with XXXX XXXX XXXX XXXX. This is a fraud collection & this agency needs to be investigated. Searching this agency up will show numerous others dealing with the same issue. Under the FDCPA I need full breakdown & verification of debt. I want this false collection deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting a late payments against me. My credit report shows a late payment was reported during the month of XX/XX/XXXX. I was a loyal customer to XXXX ever since received my auto loan in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX for the month reported as late and I scheduled my payment to be withdrawn from my bank account on-time for that bill. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the month reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payment was not posted when I logged into my online XXXX account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payment had successfully been transferred to XXXX. I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any payment as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for over 4 years due to the late payment on my record caused by XXXX. Since this late payment is not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX  to remove the late payment during the month of XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Product: Credit reporting or other personal consumer reports

I have never banked with with this bank every time I attempt to open me an account at a branch. There is an Old consumer report coming up with a collection that I have no knowledge about. I have contacted the identity theft and fraud department in relation to these collections that I have no knowledge of. somehow the bank allowed someone to open an account in my name has not sent me any letter or knowledge in regards to this. This account has affected my personal life. I am clearly victim of identity theft and have taken the steps to support that yet this account has not been removed.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries deleted because I did not authorize these companies to use my credit that is fraudulent.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate XXXX Account Verification Dear Equifax Dispute Department, I am writing to formally dispute the verification of an account on my credit report that Equifax recently reviewed. Specifically, the XXXX account ( Account # XXXX ) was marked as " Verified as Reported '' in my dispute results, yet no proof of account validation was provided to me. Furthermore, the contact phone number listed for XXXX on the Equifax report ( XXXX ) is disconnected and no longer in service. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proper validation of this account, including a copy of any documentation that proves I am legally responsible for this debt. Since Equifax has stated that the account has been verified, I request the following : Documentation proving that the original creditor ( XXXX ) has verified the accuracy of this debt and my obligation to pay it. 

The method by which Equifax contacted XXXX and obtained their verification. 

The correct and up-to-date contact information for XXXX. 

Since the phone number listed for XXXX is disconnected, I question the legitimacy of the verification process conducted by Equifax. If proper validation can not be provided, I demand the immediate deletion of this account from my credit report, as reporting unverifiable or inaccurate information is a violation of the FCRA. 

Furthermore, I would like to reference the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax for failing to properly investigate consumer disputes. The CFPB has taken legal action against Equifax in the past for similar violations, highlighting the companys history of non-compliance with federal consumer protection laws. This precedent further supports my demand for a proper reinvestigation and removal of unverifiable data from my credit file. 

Please conduct a proper reinvestigation and provide me with the requested information. If no sufficient proof is presented, I expect this account to be removed from my credit report immediately. Please respond in writing within 30 days of receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax on numerous occasions to fix this problem but they keep insisting the information is accurate and have been verified by the collection agency. The 7 year drop off date differs from what is on my XXXX and XXXX credit reports. I believe they have re-aged these accounts for the sole purpose of prolonging the impact on my credit report. The accounts in question are : 1 ) XXXX XXXX XXXX XXXX, 2 ) XXXX XXXXXXXX XXXX XXXX, 3 ) XXXX XXXXXXXX XXXX 4 ) XXXX 5 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with one of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email.
Product: Credit card or prepaid card

I keep getting charged for interest charges at a high rate because of alleged one missed payment a while back and the interest rate does not match the amount I am paying. I would like to dispute that missed payment
Product: Credit reporting or other personal consumer reports

This account must be deleted as the status is not correct. The amount is not correct. 

Here information XXXX XXXX XXXX
Product: Checking or savings account

I have a business account with chase bank that was recently opened the beginning of XXXX. I am a XXXX XXXX XXXX  and my first XXXX submitted their first payment to me on XX/XX/XXXX. Chase immediately froze my account, has closed the account has said that they are no longer doing business with me, and will not provide an explanation or a reason. They also did not notify me that this was happening. I noticed it when my payments from that account were being rejected and now I have return check fees. Chase is currently holding tens of thousands of my dollars that I can not access. They let me know I can still make deposits but no withdrawals. Feels like I was robbed.
Product: Credit reporting, credit repair services, or other personal consumer reports

midland credit acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reportXXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
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 reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX  - XXXX
Product: Money transfer, virtual currency, or money service

I reached out to zelle for fraudulent activity on account and nothing was able to be resolved.
Product: Credit reporting or other personal consumer reports

Subject : URGENT : Dispute of Fraudulent Accounts and Request for Immediate Action Dear Transunion, I am writing to formally dispute multiple fraudulent accounts that have been opened in my name without my authorization or consent. These fraudulent activities have caused significant distress, and I demand immediate action to resolve this matter. 

I have reviewed my credit report, and I was shocked to discover that [ number ] accounts, all of which are marked as fraudulent, have been opened under my name. These accounts were clearly created without my knowledge or permission, and I categorically deny any involvement in their opening or management. This constitutes a clear case of identity theft, and I am fully prepared to take legal action if this issue is not resolved promptly. 

The following accounts are the ones in dispute : Account Name/Number : XXXX XXXX XXXX XXXX XXXX Account Name/Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Name/Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect the following actions to be taken immediately : Investigation : A full and thorough investigation into these fraudulent accounts, including the verification of the identity of the individuals who opened them.

Account Closure : The immediate closure and removal of all fraudulent accounts from my credit file. 
Written Confirmation : A written statement confirming the resolution of this issue, including details of the investigation and the actions taken to address the fraud. 
Accountability : If the fraud occurred due to negligence on your part, I expect an explanation of the steps you will take to prevent this from happening again in the future. Additionally, I demand that these fraudulent accounts be reported as fraudulent on my credit file to prevent any further damage to my credit scor
e.
Product: Mortgage

We requested to pay our mortgage bi-weekly. We were told they would mail the forms and we should mail them back. We did this. However, two weeks after mailing them we were told they had no received them. We were then told we could email them, which we did. Two days after we were told they had still not received them either via mail or email. This caused us to miss the window to start bi-weekly payments that month and we have still been unsuccessful in getting them to acknowledge receipt of our completed forms.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just received a copy of my credit report today and I found those XXXX fraud inquiries that shall delete from my credit report. 

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

Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor XXXX XXXX  HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You