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.
Product: Checking or savings account

On XX/XX/2023 I noticed a transaction that I did not do. I looked at my account history and found out that they had been doing it since the middle of the month previous. I called Wells Fargo and submitted a claim of fraud totaling {$11000.00} over 39 transactions. Wells Fargo fraud submitted the claim and said it could take a while to process. Later found out that I was a victim of identity theft, the person or people involved cloned my phone accessed my XXXX had access to both of my banks. Credit cards, debit cards, XXXX and XXXX XXXX accounts. This person or persons drained my XXXX account sent it to my Wells Fargo account and then sent it to my XXXX XXXX account and then sent it the money to themselves. All of the money through XXXX to accounts that don't exist anymore. They maxed my credit cards and drained my other bank account as well. Those have been fixed and reversed but not Wells Fargo! I filed the The claim through Wells Fargo. And then I went and filed a police report as well. Got a message from Wells Fargo denying my fraud claim and said that it was not fraud. I tried to explain to them that yes it definitely was fraud because my phone was cloned and I had to get it completely reset and lost all of my information that they did not just drain Wells Fargo. But they drained my other accounts and credit cards and that I filed the replace report. The fraud specialist told me well. The decision is final and there is nothing that we can do. Your claim has been closed and can not be reopened. I was very mad about how I was treated so I filed a complaint that complaint took me to executive and I filed a complaint there as well. Still to this day they are saying nothing can be done.
Product: Bank account or service

I was charged {$140.00} in uncollected fees on my checking account over the XXXX XXXX weekend by PNC Bank
Product: Credit card

I am a new Macy 's card holder. I made XXXX purchase for {$92.00}. My husband made XXXX payment. The balance was {$58.00}. I am diligent about our credit, we are saving for a new home and want to keep me credit score strong, so I paid the balance online on XXXX XXXX (? ), early. 

I received a phone call from Macy 's yesterday, saying my account payment did not go through and now the payment is late, late charges, interest and returned check fees adding to over {$200.00}. 

I was devastated! They did refund the late fee and interest fee but would not remove the returned check fee because it was an error on my part. Clearly, I was trying to maintain my account by paying early. Why could n't they call me sooner? 

I paid the balance of {$58.00} and {$130.00} in returned fees over the phone and vow to never shop at Macy 's again! 

This is a disgrace! 

XXXX XXXX
Product: Debt collection

Today approximately XXXX I had a missed call from an unknown number. 3 min later a family member called to notify me of an important documents needing to be served and to call XXXX with reference number XXXX. At XXXX I was having lunch with my children, whom overheard the entire conversation. I was on the phone ( for 37 min. ) with a person who called themselves XXXX XXXX from XXXX XXXX. He had quite a bit of information on me, claimed I was " part of a lawsuit '' with US BANK for an unpaid amount of {$3.00}, XXXX and they were going forward with it. He said he could contact someone on my behalf to see if they will accept a payment, since I hadn't been served yet. He had me on hold a few times with back ground music. He claimed they accepted my settlement offer and that I had two options. I could either make 3 monthly payments of {$1.00}, XXXX, or pay one settled lump some of {$970.00} today. I felt panicked, scared and under pressure. I felt i had no choice to pay the XXXX out of fear. He got my debit card information and had me sign some documents via email through an online signature website. It wasnt until I got home to over look the confirmation emails and realized the full amount of the " amount owed '' was different than what he told me. 

I have two emails from him, both different accounts with two different names used. Ive gathered some information on him and previous scams that describe this exact situation with the same people via XXXX They claim to be XXXX XXXX, with no address or phone number. Only a fax number of XXXX XXXX XXXX XXXX. The " personal '' email address he claimed was his was XXXX. The email he used to collect my signatures was from XXXX XXXX at XXXX. They used XXXX. 

The other phone number of XXXX XXXX is XXXX. 

According to other reports, another business number is XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX other names used were XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report these unauthorized, unverified hard inquiries on my credit report. I have called Equifax and sent letters, and they have not responded to these unconfirmed inquiries with certifiable evidence as demonstrated per US Code 15 U.S.C. 1681 ET SEQ. Section 604 of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have submitted multiple requests to XXXX XXXX XXXX XXXX, Experian, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either Experian or XXXX as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my Experian and XXXX reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to Experian and XXXX for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both Experian and XXXX will not correct the reporting of these two months. All Reponses state that both Experian and XXXX confirmed with XXXX XXXX that the payments were reported correctly. Experian and XXXX completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, XXXX changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX SC XXXX TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION
OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING TH
E CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE XXXX XXXX XXXX
Product: Debt collection

this is the third debt collector that has contacted me regarding a loan discharged in bankruptcy. I sent the requisite letters and they have reported it to XXXX, XXXX, etc, where I have then disputed the claims. The debt was discharged in 2012. The continued reopening of this debt is very tiring and I am saddled with chasing it down each time. 

The company this time is Weltman, Weinberg and Reis, XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

This complaint to TRANSUNION for allowing fraudulent inquiries and fraudulent information on my credit report. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate information are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX.
Product: Debt collection

I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports.
Product: Checking or savings account

I filed a dispute with my bank ( XXXX  XXXX XXXX XXXX , XXXX. ) about a person who scammed me out of {$100.00} and they filed the dispute over the phone on XX/XX/XXXX and then 3 days later sent me a letter saying that the dispute has been resolved. This transfer was NOT valid and I told the several customer service reps that it wasn't and that it should be reversed. I'm very disappointed with PNC as this is the 3rd or 4th time they just resolve disputes without any investigations and/or figuring out that their customer was scammed out of money. This is not the kind of bank I want to have my money with and/or do business with.
Product: Checking or savings account

On XX/XX/2024, I tried to close my account twice and had to pay {$100.00} each time to have the account closed because Cadence Bank kept accessing {$100.00} for their legal fees knowing that there was no money in the account. Each time that I thought the account was closed, {$100.00} would appear each time for their legal fees, creating a negative balance, so I had to pay the money to close the account. I want my money refunded and I want it mailed to the address below, since my account is now closed. I also want CFPB to investigate this bank regarding these kinds of deceptive practices. How do they expect consumers to pay the bank 's legal fees? 

Please mail my {$200.00} refund to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX reporting immediately remove or block XXXX XXXXXXXX XXXXXXXX reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge
Product: Credit reporting, credit repair services, or other personal consumer reports

this alleged collection agency Capital Accounts never sent me any letter or notice of medical debt yet they continuously report it on my credit report they Will does not send me Original Contract or 1099-OID Original issue discount or any contract showing them as a beneficiary of any debt in case of default, shows a balance and past due balance and its in the collection which is a violation and multiple inconsistent statuses dates Furthermore after pulling my report on 3 different bureaus the alleged collection account reports wrong on each on no respect to the Metro 2 reporting standard. I want this dispute forwarded to member os the Metro 2 Task Force so they can probably see The Credit Bureaus Failure recognize this alleged collections inaccuracy and verifying it even though its obvious no investigation took place.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent, please remove them from my credit report. 

XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX XXXXXXXX XXXX ( XXXX  ) XX/XX/year> XXXX XXXX  XXXX XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XXXX XXXX  2024 XXXX XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX  XXXX ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened. The colection agency continues to add interest to the fraudulent debt.
Product: Debt collection

I have a writ to garnish wages sent to my employer to garnish my wages for debt in the state of Virginia in the amount of {$6100.00}. I will start being garnished in two weeks. i have not lived in Virginia in 20 years. this does not show on my credit report and I have not made any contact with them or any contact from them.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXXXXXX  XXXX  XX/XX/XXXXXXXX  XXXX  XX/XX/XXXXXXXX  XXXX  XXXX XX/XX/XXXXXXXX  XXXX  XX/XX/XXXXXXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

This case is a charge for medical services resulting from a traffic accident on XX/XX/2018 so these medical expenses entered into a dispute between the insurance companies and my lawyer so that until I had the entire case resolved my lawyer had not made the payment.
Product: Credit reporting or other personal consumer reports

I went to check my credit score and saw there was XXXX hard inquiries on my credit report that I did not permit nor recognize and I than filled out a ftc report that I am now reporting to you. 
XXXX  XXXX Bank Capital one XXXX Bank XXXX XXXX BANK Capital one XXXX Bank None of which I permitted my credit be used or ran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has flagged my account as Collections on XX/XX/scrub>XXXX XXXX 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, KS XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$740.00}
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 HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX