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

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I am a victim of identity theft. On XXXX sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 7fraudulent addresses ( # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, # 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 3-    XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, # 4- XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 5- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, # 6- XXXX XXXX XXXX, XXXX, XXXX  XXXX, # 7- XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and6fraudulent accounts ( # XXXX XXXX XXXX XXXX XXXX   XXXX  # XXXX XXXX # 2 XXXX XXXX XXXX # XXXX, # 3 XXXX XXXX XXXX  # XXXX, # XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) . Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Equifax is in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXX  has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

signed up for transunion thinking it was a free credit report. 

they ask for personal information like name date of birth ect. 

when i got to the bottom it asked for my credir card info. 
i was timed at first to put it in and then i XXXX why does transunion want my credit card it stated it was for further verification on my personal info like if the adress was matching ro my and so forth so i entered my card number. then i got to checking my account to see if my previous activity i made on XXXX went through and XXXX sure enough i was charged {$26.00} from transunion!!!!!!!!!. i tried calling both them and my bank but being XXXX. no one is open at the moment but i plan to call my bank first thing and stop that XXXX payment. 

these people are a rip off and scam artist. and these people need to be stopped!!! 

during covid-19 of all times. my imcome is limited and yes i just ordered off XXXX. but i purchased tires and head light bulbs for my highlander so i can see at night and not blow a tire with a XXXX in my car. i make decent decisions with my finances and being on unemployment at the moment that {$26.00} they STOLE from me could have went to diapers or wipes or any countless other things. im glad i caught it off the get go and cancled the " subscription '' that i never even agreed to immediately. 

stop these XXXX crooks this happened on XXXX
Product: Checking or savings account

My account is not being updated. I use a app called XXXX XXXX and the bank is n't updating my information. It 's saying my account is negative but it 's not.
Product: Credit card or prepaid card

On XX/XX/2022, I have purchased gas from the XXXX gas station located at XXXX XXXX  XXXX XXXX, XXXX, PA XXXX. The transaction was made at the pump, and I purchased about 14 gallons of regular fuel, at {$3.00} per gallon, for a total of roughly {$53.00} ( the actual quantity was just slightly less than 14 gallons ). 
After the transaction was completed, the pump did not give me a receipt and a gas station attendant told me that their systems are down, and they can not give me a receipt. 
Following this transaction, on XX/XX/2022 a charge in amount of {$170.00} was posted on my Chase Freedom Credit Card, for the purchase described above. 
The difference between the charged amount of {$170.00} and the actual purchase of {$53.00} is fraud and I contacted Chase Bank to raise this issue. 
Chase Bank rejected my claim though because I was not able to provide a receipt, which I claimed was at the very least irrational since usually people do not give receipts for fraud. 
As such, I believe that Chase Bank is not meeting its obligations of fraud protection.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing this dispute because XXXX XXXX reported I missed XX/XX/2022 payment when in fact I made the payment on XX/XX/2022 and funds were available. XXXX XXXX XXXX advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX XXXXustomer service advised me to contact a local Branch Manager to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXX Bank XXXX XXXX XXXX in XXXX, Texas for XX/XX/2022 with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX. XXXX XXXX ( Branch Mgr ) provided XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Monarch Recovery Management Inc XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Subject : Request for Debt Validation Dear Monarch Recovery Management Inc, I am writing to request validation of the debt you claim I owe. The account in question is XXXX, which is listed on my credit report as owed to XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request and receive proper validation of this debt. 

In the case of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of providing consumers with accurate and sufficient information to validate the debt. Therefore, I request the following information : 1. The amount of the debt. 
2. The name of the original creditor.

3. Verification and documentation that I owe this debt.

4. A complete payment history, starting with the original creditor.

5. Any agreement that bears my signature and shows I agreed to the debt.

Please treat this letter as a formal dispute of the debt and a request for validation. Until you provide the requested documentation, I will consider the debt to be invalid and expect that you will not report this debt to any credit reporting agencies, or if it has been reported, that it will be removed. 

I appreciate your prompt attention to this matter and look forward to your response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Mortgage

We want to know why Wells Fargo started the foreclosure process in a letter dated XXXX/XXXX/13 when we completed the list of requirement and promptly returned phone calls and made additional calls to XXXX XXXX of Wells Fargo. 
Why have n't all letter been sent to the Consumer Financial protection bureau especially the completed RMA 's with all additional information that XXXX XXXX of Wells Fargo requested, information that we have sent to Wells Fargo between XXXX 2013 and XXXX 2013, and a letter dated XXXX/XXXX/2013 that stated that Wells Fargo has referred our mortgage to their foreclosure attorney and the foreclosure process has begun. 
We would like to know why we needed the help of Congressman XXXX office to contact Wells Fargo despite our tireless effort to contact XXXX XXXX and Wells Fargo Between XXXX 2013 and XXXX 2013.
Product: Credit reporting

I have demanded authentication from Equifax pertaining to the multiple negative postings on my credit bureau. XXXX XXXX, a public utility without authority to even post accounts on consumer credit reports has consistently moved XXXX account into another, thus creating a total of XXXX trade lines, all negative. Equifax has not completed a reinvestigation properly to show that XXXX account ties into the other. This abusive reporting process should be heavily scrutinized by the Federal Trade Commission. Currently, there is no ties of the Fair Credit Reporting Act to public utilities, as all utilities are governed by state public service commissions, not the Fair Credit Reporting Act. Equifax must show an actual connection by written proof of a contract between the parties before a trade line can be set on a credit report. This can not be the case for a public utility like XXXX XXXX.
Product: Debt collection

account resolution services XXXX bought " my '' credit file from XXXX XXXX Florida XXXX XXXX. they call XXXX XXXX XXXX times a day they mail bills and in doing so they are asking for full amount owed due to emergency room visit that are XXXX over the original amount there are XXXX collections on my XXXX and XXXX report, the problem is XXXX XXXX  waived the dept because of income except for XXXX of the XXXX amount meaning that XXXX of the XXXX had a XXXX $ balance that is now XXXX $ XXXX per claim against me. further they on my credit report change the date to the current date every month making it impossible to ever fall off my record. I am in dispute status with XXXX and with XXXX over these XXXX claims but the results were that they were valid and this can not be because the dates are changing plus the forgiveness of dept in the first place by the hospital. also XXXXXXXX XXXX said Florida physicians charges as well but that this is the problem when you go the ER at XXXX XXXX you don't see a doctor ( physicians ) you see nurses practitioners so why a separate bill to see a doctor when you never saw a doctor. these XXXX injustices need to be removed from all 3 Major credit report agencies and ARCS should be fined for date changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit card

I am currently in the process of refinancing my home. To improve my credit score, I paid off a number of outstanding credit card balances including one for American Express. When my mortgagor requested for me to obtain a XXXX balance letter from AMEX, I thought this would be easy to resolve. I contacted AMEX on XXXX/XXXX/2016, made my request and they stated it would be faxed in 48-72 hours. No problem. By Monday, XXXX/XXXX/2016 at XXXX, the letter had not been received. I called back and made the request again. I spoke with XXXX in the XXXX balance area. She and her supervisor prioritized my request ( I thought ) and she stated the letter would be faxed within the hour. 
As of XXXX on XXXX/XXXX/2016, the letter had still not been received. I called back ... again ... this time I am informed that my account has a bal- ance of {$11.00}. I resolve this balance and am then told I have to wait another 24-48 hrs!!!!! Explain to me why I have to continue to wait when my requests could have been and should have been honored anytime between XX/XX/XXXX to XX/XX/XXXX?? Especially since I had closed my account as well ... it 's not like I could make any additional purchases!!!! 
This was poor client service ... and I work in client service. I was very disappointed that AMEX could not have reached out to me if they could not honor the request after they had guaranteed it. As a person that works in customer service, I am not impressed by AMEX ' customer service. I am thankful for the fact that I did close this account and do not have to deal with their lack of service further. Now let 's see how long it actually takes to obtain the zero balance letter.
Product: Credit reporting or other personal consumer reports

I obtained my full credit reports from the credit agencies TransUnion, XXXX and XXXX and noticed that my reports were incorrect or were missing some information about my credit card charge account XXXX available credit limit. My XXXX XXXX Account has reached out to all credit report agencies and have stated they sent in information but have not been given the correct and proper assistance with reporting the accurate information for my credit card account. 
All credit reports for my XXXX account should be showing a balance of {$16000.00} as the credit limit of 1 year and 4 months of credit age. XXXX has notified me that the credit report agencies are not cooperating with their company on reporting accurate information they have sent out and reached out to the three credit report agencies. 
I have attached the proof of emails from XXXX about this matter as well as proof of the credit limit and information for this credit account. 

This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history. 

The following incorrect information being reported currently as followed : XXXX is not reporting any information currently for this account at all after confirming with XXXX that the information I have listed above is on my credit report when it is not. TransUnion are currently reporting a credit limit of {$0.00} with only one month on time payment even though the account is two years old this information is incorrect. XXXX has also stated they have been having problems with their data issue with reporting files but has yet to get back in contact or give an update to me or XXXX account. XXXX is lastly reporting a credit limit of {$12000.00} when the credit limit is {$16000.00} and credit age is 1 year and 4 months. 
This account called XXXX account number XXXX current credit limit is {$16000.00} total and needs to be updated on all credit report agencies also the payment history should show one year and 4 months of positive payment history.
Product: Credit card

Ref. XXXX - XXXX - {$5000.00} I am facing a issue with AMEX, where I have sent in every possible thing I can relative to a dispute over an item that was not successfully delivered. 

I placed an order with a XXXX, that was apparently shipped by a 3rd Party Seller in the amount of {$5000.00} dollars for a XXXX XXXX XXXX. 

This item was shipped with Signature DIRECTLY to buyer and NOT to be left out at all.

That did not happen, prior to the delivery when I kept up with the tracking, the tracking kept saying " business closed, redelivery scheduled for the next day ' which did not make any sense as I lived in an apt unit not a commercial residence. 

ON THE TRACKING ON XXXX WEBSITE THE TRACKING HAS A NAME DIFFERENT FROM MY NAME - AMEX HAS SEEN THIS AND FOR SOME REASON DECIDED AGAINSTME THERE IS AN EMAIL I RECEIVED FROM XXXX THAT SHOWED THAT THE ITEM WAS SUPPOSED TO BE HAND DELIVERED TO ME AND THAT DID NOT HAPPEN BUT THAT INSTEAD THE ITEM WAS LEFT OUT AND THAT WAS NOT SUPPOSED TO HAPPEN - I PRINTED THIS EMAIL OUT AND UPLOADED IT AS SUPPORTING DOCUMENT TO AMEX AND AMEX STILL DECIDED AGAINST ME ON THE SHIPPING TYPE, SHIPPING SAYS DIRECT SIGNATURE- I DID NOT SIGN FOR THIS NOR DID NO ONE AT MY RESIDENCE, I LIVE ALONE. THERE IS NO VIDEO OF ANY DELIVERY TO MY DOORSTEP AT THE MARKED TIME OF DELIVERY. I STATED ALL THIS TO AMEX AND YET THEY STILL DECIDED AGAINST ME I AM EXTREMELY DISSAPPOINTED WITH HOW THIS HAS BEEN HANDLED. THIS IS {$5000.00}. I DO NOT HAVE THE ITEM, AND THE MERCHANT THAT IS SUPPOSED TO BE THE VOICE OF REASON IS LOOKING AT EVERY FACT I HAVE UPLOADED AND YET SOMEHOW THEY ARE CONCLUDING THAT I SHOULD BE RESPONSIBLE FOR THE CHARGE. 

ALL THIS INFORMATION IS VISIBLE ON THE XXXX TRACKING AS WELL AS THE AMOUNT OF DOCUMENTATION I HAVE SENT IN TO AMEX THERE IS A LACK OF COMPETENCY BEEN SHOWN AND MY ONLY REGRET IS THAT I DIDN'T PAY WITH MY CHASE SAPPHIRE. EVEN XXXX WOULDN'T HAVE SIDED AGAINST ME WITH ALL THE EVIDENCE I UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX