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

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Debt collection

Credence Resource Mana XXXX XXXX unaware of this debt and I did not receive proper notification. If you believe that you provided proper notification then please provide certified Mail receipt with my signature on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get help removing some hard inquiries that my older brother has made impersonating me using my information and my social
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

My loan servicing company received my loan in XX/XX/XXXX from the seller of my loan. The new company is XXXX servicing being serviced by Loancare, A service link Company, XXXX XXXX. On XX/XX/XXXX My homeowners insurance was canceled due to nonpayment. I spoke with Loan care on XX/XX/XXXX and they advised they did not get an invoice from the insurance company and therefore did not make a payment, but they refunded me money because my escrows were overpaid. When I spoke with Loancare they advised they would send the payment in that week. XX/XX/XXXX I received a letter from Loancare wanting proof of homeowners insurance. Weird because they paid my insurance. No not weird they never paid my homeowners insurance that was being escrowed. When I called in they advised I never notified them who the insurance company was so this was my fault. The information was with the mortgage company that sold the mortgage to them, I would think that all necessary information would transfer over to the new company. Per Loancare the information does not transfer over and it is the homeowners responsibility to be burdened with this matter. I demanded to speak with a supervisor or manager and they said I would only get a call back from one in 24-48 hours. There is never a manager available to speak with at this company. After two days on the phone and quite a few hours my homeowners insurance has been cancelled for 45 days and the loan servicer has my money that was designated to make this payment from my escrow account. The worst part is this is the second time I have had to request they make this payment in the 45 days and is unacceptable that it was not done as required by contract.
Product: Credit card or prepaid card

I have a current complaint with company and the company responded said they are having trouble locating our account which is a lie they keep trying to circumvent the situation and it has been on going for months. I could not see where to add additional information so I am starting this second complaint to respond. 
The complaint info : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 My XXXX account and XXXX Play account is under email : XXXX the account they say they can not find. However they keep responding to me on. I have attached a pdf of the transactions and dates but they say they can't see them. Again the are avoiding and circumventing trying to resolve this issue. The Last four of the credit card used was XXXX. They have all this information and here is even on transaction ID and denial from them to do anything and they can locate all the other transactions using this as a reference : Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Transaction ID GPA.XXXX Just to list a few of the incessant charges and they can find my information by accessing these charges as well as reference.
Product: Checking or savings account

I opened a checking account on XX/XX/2020 with a balance of $ XXXX at the M & T Bank located at XXXX XXXX XXXX XXXX XXXX XXXX , VA . When opening the account, I asked that the bank rep, XXXX order me an expedited debit card. She said she would. I went to the branch on the following Saturday, XX/XX/2020, to send a bank wire, and the branch manager flat out refused me this service, because she said my funds needed to be investigated because she did not believe I had conducted business as I told her, in order to receive the wired funds. She told me flat out that the whole thing was suspicious to her, and that she was going to place a hold on my account until further notice. I was insulted and left. I called the branch when I returned home, and the manager, XXXX told me that XXXX was not available for phone calls and could she help me with something. The branch closed at XXXX  and I called the branch and spoke again with XXXX. XXXX had me on speaker phone, and I am certain that both she and XXXX were listening to what I had to say. I asked XXXX if my account being placed on hold was due to the branch managers personal discretion, or whether it was the banks security policy. She assured me it was the banks security and back office that had placed my account in a frozen state. 

XXXX called me on Monday, the XXXX of XXXX, to tell me that she had not yet received word about the investigation that was going on and that she was trying her best to expedite the process. I asked her at this time to verify that she had in fact ordered an expedited debit card for this account. She assured me she had. 
I called M & Ts customer service XXXX number today, XX/XX/2020, and asked the rep to verify that an expedited debit card had been ordered for my new account. The rep assured me that it had NOT been ordered, that it had been ordered regular delivery. The rep then phoned the branch and reported back to me that XXXX told him ( the rep ) that either she or XXXX would call me by Monday to let me know the results of their research. 

I know there are laws about unreasonable holds on consumers deposits, but I feel it is now time to file a complaint because not only did XXXX lie to me twice about ordering my debit card expedited, but this leads me to believe that she could be lying about other things as well, associated with my account opening. Furthermore, my M & T online banking shows an available balance of $ XXXX. 
Please get to the bottom of this. I felt personally insulted by the branch manager and XXXX lies, and wonder whether this is common practice in the banking industry to treat customers this way. Thank you. 

I might just address this matter with the media if I am not satisfied with the outcome.
Product: Credit reporting or other personal consumer reports

I am requesting for the removal of unauthorized credit inquiries on my credit report. There are credit inquiries that I didn't approve on my latest credit report.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized purchase for the amount of XXXX $ was charged to my debit card. I noticed this transaction within the same day and immediately contacted customer service to file a claim. I informed the representative that I had never authorized a purchase for any amount to anyone at the time of the transaction and that the only viable conclusion I could come to was that my information was stolen and used. so the representative filed my claim, canceled my old card and took the necessary steps to send me a new one. Today XX/XX/XXXX, I recieved an in app notification that my claim was denied as an error did not occur which is incorrect. My updated online statement shows the purchase was posted on XX/XX/XXXX including a new international purchase transaction fee of XXXX $ stemming from the unauthorized charge.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXXXXXX XXXXAccount Number : ** XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several times 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 an alleged fraud or XXXX. 
XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

since XX/XX/2022 i have recieved XXXX  and worked at XXXX XXXX part time while still looking for work keep that in mind. starting XXXX i went into washington federal and asked for a possible fraud check written out to me.by a company claiming to be XXXX XXXX XXXX XXXX  written to the amount of XXXX to be placed on a hold or destroyed so not to mess with my account. in which Washington federal bank placed the wrong hold on the check releasing the funds in my account and i didnt notice till XXXX and forgot to inform the bank.7 days later the check bounced and i had to pay back XXXX that spent living my life cause the rest of the check was safe in my saving .which the bank was able to go in an take .when reporting to their boss i was called a female but im male .But i payed my account even on XXXX and was told my accounts would be fine XXXX early morning my account was forced closed do to suspected employment benefit fraud so i went into the bank at XXXX. they check with unemployment and my job i had did nothing wrong but they closed both checking and saving accounts. and now wont let me open back up a new checking knowing i had asked for protection and had done nothing wrong.so i went in XXXX to try and open a new account the voted no.
Product: Checking or savings account

On XX/XX/XXXX I went to the ATM at Wells Fargo Bank to make a withdrawal. When I tried to make the transaction I found I didn't have the money I thought. So I tried to make an overdraft which was approved but I didn't get the money. As a result of this I was charged for overdraft and the money that I didn't receive. In XXXX ( XXXX and XXXX ) I was charged with the same amount but I didn't even attempt to do an overdraft. So that was {$500.00} plus NSF charges three times ( NSF charges of XXXX dollars a pop ).
Product: Student loan

I made four separate payments to my Mohela student loan totaling {$980.00} that Mohela has fraudulently deleted from my loan balance. 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$350.00} ( confirmation number # : XXXX ). 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$300.00} ( confirmation number # : XXXX ). 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$190.00} ( confirmation number # : XXXX ). 

On XX/XX/XXXX, I made a payment to my loan in the amount of {$130.00} ( confirmation number # : XXXX ). 

I have confirmation emails from Mohela for each of these payments that Mohela sent me at the time that I made these payments, and I have attached these to this complaint. This should sufficiently show that I made these payments. If necessary, I can also go into my bank account history to provide further evidence that these funds were debited from my bank accounts for these respective transactions. 

Nonetheless, when I review my entire Mohela student loan transaction history, for the entire history of my loan, it does not reflect any of these payments. 

I want Mohela to immediately apply the {$980.00} I've previously paid toward the principal balance of my student loans. Their conduct here is nothing short of fraudulent. I made the payments to my loan balance in reliance on the fact that these payments would reduce my total balance. I relied on this to my detriment, as Mohela effectively says that I still owe them an additional {$980.00} that I have already paid. 

I received confirmation emails at the time of each of these payments were made. I had no reason to believe that they would not be applied toward the balance of my Mohela student loans. This is disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 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 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 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
Product: Credit reporting or other personal consumer reports

Again, I am requesting to remove the fraud alert to my file.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus which were XXXX of my concerns of fraud and still yet to be removed. I contacted them immediately upon receiving mail to my home on the same day. I have a fraud alert on my report since XXXX but it apparently has stop certain people from doing this. I expressed I don't know or recognize any of these companies as I haven't given permission to pull or run my credit report. These inquiries are unauthorized. Here is a list of these inquiries I would like removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX any amounts. 
XX/XX/2020 XXXX XXXX  I was on an 18 minute call w/EQUIFAX to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX XXXX  I received an email from Equifax stating the dispute was completed. I called Equifax and was told the collection verified but no legitimate proof was ever provided by XXXX XXXX XXXX or Equifax to verify their false claim. Equifax is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with Equifax and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX  on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to Equifax with no justified resolution. 
XX/XX/2020 XXXX XXXX  I was on a 21 minute call with EXPERIAN to dispute XXXX XXXX XXXX and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX  online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX  I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX  failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX  with no justified resolution. 
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation or verification was ever provided by the collection agency to the credit bureaus.
Product: Debt collection

Fix the mistake on my credit report for XXXX XXXXL within 10 days, or I'll file a complaint with the FTC. Respond within 15 days as required by law, or you may face fines up to {$1000.00}. Don't make me escalate this comply with my request to avoid further action.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance {$300.00}