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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section XXXX ( XXXX XXXX. XXXX ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( 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 a account without my written instructions
Product: Debt collection

I have sent Weber & Olber , PLC two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to validate this debt as it belongs to my father who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have either send inadequate information or ignored my letters.
Product: Debt collection

In a single day I am getting 8 calls and all for a person that I do not know and are now harassing me and want this unlawful behavior to stop. This is a mobile phone.
Product: Credit card or prepaid card

XXXX was supposedly sent out in XXXX of XXXX and between XXXX of XXXX the card was charged the full amount of credit. I never received this card nor approved of this card nor apply for this card. I was not notified of any charges on this card until XX/XX/XXXX when I received a late payment notice in the mail I called synchrony bank that is when I was told that there was a credit card that was approved and sent out to me the year prior and charged up. There was also an email attached. To this card, so XXXX assuming that is how they were getting statements nothing was sent to my house until they missed a payment as a paid XXXX months of payments. I have tried to resolve this issue since in the bank statements from my bank account for all the months that somebody made payments I have also sent in a police report to show that Ive never received this payment. These charges were not made by me. They continue to state that I am liable as Ive benefited from the use of this card which is not true I have never even received this card. I have also had to deal with other identity theft issue since then, but I have had XXXX who has helped resolve and have been able to put a seven-year continued lock, on my credit reports, I am asking them synchrony bank remove this off of my credit as I was not responsible for any of these charges I have sent them documentation to show that I did not use this card. They have made no real effort to help resolve this in the right way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a complete pack of information to XXXX. They stated they could not find my file. They sent a letter asking for a hole bunch more of information. They are refusing to open an investigation into my identity theft. I have sent them a copy of my Driver Lic. Police Report, SS card, Identity Theft Victims Complaint and Affidavit, Identify Theft Report, State of SC Identity Theft Report, Birth Certificate, Pay check stuff, Lease, Utility bill.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

XXXX XXXX Morgan Stanley froze my checking and brokerage account for no apparent reason. Both of my checking and brokerage accounts have not had any activity in months and have had minimal activity in the last year. When I reached out to inquire about why my account was frozen, they did not state that I had any unusual activity, but they stated that they needed some answers from me to comply with their KYC ( Know Your Client ) requirements. They then proceeded to ask me personal and invasive questions about my family, my travels overseas, my parents and what properties may parents own..etc. 

When I opened my account, I provided Morgan Stanley with all the identity verification information required, my SS #, my employment information, my address, drivers license and everything that they requested. 

I answered some of their KYC questions, but when the questions started becoming more personal, I informed the agent that I no longer want to do business with Morgan Stanley and wished to close my accounts. They refused to close my accounts and stated that their " compliance group '' needed to authorize the closing of my account. 

As of this time, they refuse to close my account and my account is still frozen and I can not get my money out. I have approximately {$36000.00} in cash and approximately {$2500.00} in stocks for a total of {$40000.00} that I can not withdraw. 

Morgan Stanley has illegally confiscated my money without cause and refuse to close my accounts. 

Please help me get my money out of this bank.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was called the XXXX of XXXX by a number that matched the chase fraud department ( XXXX ( XXXX ) XXXX ) i was told that i had a few transactions that needed to be reviewed of potential fraud and needed to xfer funds from my account because some one logged into my bank app from a different state and was trying use XXXX  at the same time getting notifications that matched up. 
i was very hesitant becuase I know not to share info, but after repeatedly checking the phone number online, i was convinced i was speaking with a chase agent. they also knew a lot of my personal information already which made it even more believable. 
i was asked to share a code sent to my phone so they could transfer to my " new account ''. i saw or did nothing but share code sent to my phone with the person on the phone. 

I then got another text saying the transfer is flagged for fraud and will be on hold until i call or will be cancelled on the XXXX of XXXX. 
at this point i called back the SAME NUMBER and was connected with the REAL chase service line and they told me the transfer had already gone through.. before the XXXX. chase allowed this to go through before speaking to me and now are denying my claims of fraud. this was almost my entire checking account. i have nothing left. 3 years of savings ... how will i pay rent!? my dog is scheduled for XXXX on the XXXX ... my life has turned upside down. please help me.
Product: Mortgage

I received a solicitation from Quicken Loans for a refinance, which grossly misrepresented the facts, and was basically a lie.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted a dispute to Experian. XX/XX/year> I got a reply stating that the " incorrect account with XXXX XXXX XXXX '' has not been changed and " will remain on my credit report. '' According to the FCRA, Experian is supposed to conduct a thorough investigation and provide me proof that the account does belong to me, or delete or make corrections to my report to reflect accurate data. The investigation took less that 24 hours, no reason given and no documentation provided to me to justify keeping the account unchanged and to remain on my credit report. I also told Experian on my dispute that action would be taken with " Consumer Financial Protection Bureau '' if proper action wasn't taken. 

Attached to my complaint I have provided : 1.When dispute was submitted 2. Copy of errors and mismatches between Experian, XXXX and XXXX XXXX. Reply from Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED EXPERIAN NOT TO SEND ME A PRE-MADE LETTER STATING THEY VERIFIED THIS BANKRUPTCY WHEN THEY DID NOT SO NOW I AM EXERCISING MY RIGHTS REQUESTING A METHOD OF VERIFICATION/VALIDATION TO THIS INVESTIGATION. I RECENTLY SENT THIS CERTIFIED ONLY TO GET THE SAME PRE-MADE RESPONSE. PLEASE READ THIS REQUEST INTEL AND SEND ALL OF THE INFORMATION THAT I AM REQUESTING FOR THIS METHOD OF VERIFICATION BELOW : RE : METHOD OF VERIFICATION EXPERIAN : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s )  arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I '' m Making a complaint because I want Citi Bank to remove 2 hard inquiry '' s from my credit report. Because I did a pre qualify application and it said it wont effect your score. So the application passed through my credit twice any way as a hard inquiry '' s on the same day twice and I only applied once. This is the link I used for the application process XXXX XXXX XXXX XXXX. Which was XX/XX/2018. Under the fair credit act if they wont remove this from my credit I will sue.
Product: Debt collection

In XX/XX/XXXXI was sued by a bank for a loan that I was alleged behind on. Later ( I believe it was a few months ), I was sued again by Portfolio Recovery Associates, but for a higher amount for the same account. 

I contacted Portfolio Recovery Associates in reference to this account, and they are saying I owe them for a XXXX credit card from the original creditor. I never had a credit card with the original creditor, only a loan. I have requested the proper paperwork from them, and Portfolio Recovery Associates has failed to provide the proper paperwork validating that there is a valid debt. They are failing to abide by both Federal Law as well as Texas State law. I have phone recordings from my phone calls with Portfolio Recovery with evidence that they do no have the correct information regarding the account. 

This all goes back to the consent order issued by the CFPB in XX/XX/XXXX where Portfolio Recovery Associates was fined for suing people knowing they would not show up for court, as well as not having proper paperwork on debts. 

This information needs to be deleted off of my credit report because it is apparent that Portfolio Recovery is in violation of the consent order from XX/XX/XXXX.
Product: Checking or savings account

I was scammed and sent a fraudulent check for a job I thought I was being hired for. I deposited the money into my checking account and {$400.00} was available initially on XX/XX/year>. The full amount was available on XX/XX/year>. Wells Fargo ok 'd the check and put the full amount of the check into my account on XX/XX/year>. I was told to XXXX the amount of the check to someone else for the job, thinking this was for a job I was getting hired for. I discovered that this was a fraud on XX/XX/year> and reported the incident the day after ( on XX/XX/year> ) to Wells Fargo at a branch close to my home. Wells Fargo did some checking on their side and told me that this was fully my fault, the check was blocked by the other bank, but Wells Fargo still put that full amount of the check into my account. I was working with the claims department back and forth, and also with a broker at the Wells Fargo bank close to my home. The claims department was not helpful at all, did not do enough research, and some of them were very rude, I ended up generating over XXXX complaints because no one ever reached out to me to let me know of the status of my case. Wells Fargo wants me to pay them back the entire amount of {$4600.00} of that fraudulent check. They also want me to go to XXXX to retrieve that amount of money from them. I can not get to speak to anyone at XXXX, instead, I have to type a complaint via their online form and hope to hear from someone. I have been a customer for over 20 years with them, never bounced a check, and my own bank can not even back me up. I reported this crime right away to the bank after I discovered it was a scam. Wells Fargo put an alert out that I can not open up a new account at any other bank until I pay them back this full amount of money. I am being labelled as a risk. This is absolute XXXX.
Product: Debt collection

I just checked my Credit Report and noticed an account from Capital One ( that has late payments ) that does not belong to me. I do not have any Capital One accounts. Please see attached screenshot. Please communicate in writing only. I have also previously disputed these items with the credit bureaus and yet Capital One continues to disseminate this information to the bureaus month after month.
Product: Credit reporting or other personal consumer reports

Exeter XXXX account is over XXXX XXXX XXXX and will not come off of XXXX XXXX report. XXXX  tried to dispute it and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

dispute a company that wrongfully keep reporting on my credit without my permission they have also been sold to a third party without my permission i need them removed it has been a data breach in my information i will like all negative items and hard inquires removed
Product: Credit card or prepaid card

I have had three different credit card companies tell me that someone is trying to open a credit card in my name.
Product: Credit reporting or other personal consumer reports

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

2. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

3. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts listed below is in violation not reporting 100 % accurate.

1. XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Update this account to paid on time. 

3. Delete this unverified and inaccurate account. 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

4. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

5. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

6. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

7. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

8. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

9. Delete this unverified and inaccurate account. 
XXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

XXXX. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

11. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

12. Delete this unverified and inaccurate account. 
XXXX  Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX  XXXX XXXX Balance : {$2000.00}
Product: Checking or savings account

XX/XX/year> - Commerical checking account 's debit card was cancelled unauthorized without notice. Available funding and advantages of the account were restricted access on a after hour basis of the bank 's availability financial and ATM services.
Product: Debt collection

It Shows From Experian that the verizon account was removed XX/XX/2021 and it was put back as a collection.
Product: Credit reporting or other personal consumer reports

A company called XXXX XXXX XXXX is being reported on my credit report as a collection account that is not mine. I have no knowledge of what this or why its there
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to SHELLPOINT MORTGAGE for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.