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

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX - XXXX ) as evidence supporting my identity theft claim. As peXXXX XXXX XXXX XXXX XXXXpon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX {$2700.00} XXXX XXXXXXXX # XXXX {$2400.00} XXXX XXXX XXXX NA # XXXX {$600.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX {$14000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX  Date Opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$570.00} **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
Product: Prepaid card

On XX/XX/XXXX, my XXXX account hacked and there were two on unauthorized transactions debited from my account from fraudster in the amount of {$76.00} and {$21.00}. I called ( Comerica Bank ) XXXX XXXX processing Services to file a dispute. I called again twice again and submitted documentation via email ( XXXX ) non XX/XX/XXXX with proof that I was hacked and had to redo my profile with XXXX to assist with the claim. In XXXX, I received a letter dates XX/XX/XXXX stating the claim was approved and the provisional credit will stay posted to the account. I logged into the account as directed by the letter and seen a provisional credit was issued on XX/XX/XXXX and debited the same day. I spoke to a representative a week before XXXX who escalated the issues after confirming I was indeed entitled to the funds approved. on, XX/XX/XXXX, I checked the account online to see if the funds were issued and seen they not been issued. I called Comerica XXXX XXXX via XXXX @ XXXX and was on the phone for XXXX our and spoke to XXXX people whom no one could give me an answer to why the funds were not issued, again, the last rep I spoke to stated she will escalate the escalation that was not resolved in XXXX and I can call back in a month if i have not been issued the funds. The service request number she provided was XXXX. Its been more than 120 days since I filed the claim and it's still not resolved. This is a violation of XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2021, I found a series of 24 identical unauthorized charges for {$4900.00} to my debit card made overnight. I immediately called Chase Bank Credit Card Services to report the unauthorized transactions while they were still marked " Pending ''. My card was cancelled and I was promised that the funds would be restored " in one business day ''. 

Two days later, when no action had been taken, I called and was informed the " transactions were under investigation ''. I went to the local Chase Bank Branch and spoke with the Branch Manager. He had an assistant review the account with me and we found other suspicious transactions. Together, we filed a second claim to dispute those charges, asking for a detailed list of the items supposedly provided as goods or services. 

The second claim was honored and some {$480.00} of the disputed items were returned to my account. I was informed that some of the items claimed in the second claim were over 60 days old and would not be honored since the window for claims closes 60 days after report on a statement. 

Since that time, Chase has sent me a series of confusing messages, none of which detail either the transactions disputed, denied or actually being reviewed or investigated. 

I have been contacted by telephone by several different organizations from Chase that have given me conflicting status reports of the several investigations, none of which are comprehensive. 

What I have been told by Chase Fraud Investigation is that my claim for return of the {$4900.00} is being denied because fraudulent claims by the same vendor began more than 60 days prior to my XX/XX/2021 claim and it is all part of the same fraud, therefore I am responsible. 

Chase continues to charge my account for charges from the same company ( XXXX-XXXX ) even though I have stopped payment after XX/XX/2021 A much more descriptive summary is attached with documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated for XXXX XXXX on XX/XX/ that I did not do. I have no more information about the account. I got that information from my experian credit report. As well as XXXX XXXX Consolidation that I did not inquire either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX date, XX/XX/XXXX Last payment date, XX/XX/XXXX Paid in full in settlement. 



Inaccurate credit reporting. The above debt has been settled at a previous date as outlined on current credit report. This debt needs to be taken off my report immediately due to the detriment it is bringing to the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Why must I suffer as a consumer just because your company chose to ignore and neglect all my concerns about these unverified accounts. Not only is it XXXX  on my XXXX XXXX, but also a violation of my rights as a consumer.
Product: Credit card

The president has been removed for violations of the XXXX XXXX XXXX and XXXX and XXXX bank has to cancel this debt or loan any debt or loan by this has to XXXX annulled the staff at m and t bank gave me a XXXX XXXX recipient a loan they now he could not pay by XXXX XXXX XXXX XXXX a XXXX XXXX recipient gets all state assistance m and t bank is state government and they can not make a sssi ssa recipient pay a debt by XXXX XXXX rule XXXX XXXX XXXX section XXXX is a right for all XXXX XXXX recipients XXXX code a ssa ssa recipient can get a loan from any bank and not have to pay XXXX XXXX recipients are not suppsed to be given loan but only grants that they do not have to repay by giving XXXX XXXX recipients loans they are defrauding the government XXXX XXXX XXXX can not be taxed used to pay a debt as a doj XXXX this is fraud to close my account t to give XXXX my XXXX who has committed fraud by not giving XXXX XXXX recipients all state assistance when they signed the XXXX XXXX XXXX prerelease agreement which XXXX was convicted of and XXXX overpayments the are caused by no police reporting or social worker reporting in institutions a person in any institution can get full benefits but the m and t bank women who disouted this to this can not get any XXXX XXXX benefits or this theft of my filing m and t bank does want me to pay this debt because they do mot want me to have an account also tell m and t bank do not lay in my emails and calls or petition for me in nothing or boycott me in XXXX bank they are in defraud of the XXXX XXXX XXXX benefits can not be taxed now if m and XXXX bank wants me to pay this debt then send me a new card or if not waive the debt also I did not ask m and t bank for the XXXX credit limit that is entrapment also order m and t bank do not keep calling XXXX XXXX telling them do not increase my pay and give overpayment settlement in XXXX I have been working at from since XXXX as doj XXXX of lost benefits where I reported that XXXX would not give the XXXX XXXX prerelease agerment of section XXXX and All-State assistance to all XXXX XXXX recipients that were released in XXXX and were entrapped by them taking over a XXXX bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections XXXX and XXXX, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I already talked to the bank and they approved to repair of the account in my file. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

i was XXXX zand my account became overdrawn now i am in XXXX and can not open an account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report per XXXX.
Product: Checking or savings account

approximately XXXX XXXX  worth of deposits not reflected in account and duplicate transaction for the amount of XXXX that left my account in the negative. Called XXXX times, waited a total of XXXX hours in total for XXXX  and XXXX  customer service agents who tried to XXXX  me about my issue
Product: Credit reporting

I called Equifax to dispute some information and as I was speaking to them my credit score went down and they said when I dispute information my credit score will do down. So I canceled the dispute and then they stated it will not go back up.
Product: Debt collection

Since XXXX, several attempts have been made by me and by different credit repair company 's to dispute inaccurate collection accounts on my credit report by Midland Credit Management. I have disputed and contacted the aforementioned debt collection agency, yet, they continue to provide inaccurate and altered documents to show that a debt is still owed. In XXXXXXXX XXXX XXXXXXXX, upon calling the agency to clear up the inaccurate collection accounts, the agency stated that they no longer show or have any accounts associated with my name or the alleged account numbers, yet the accounts have remained on my credit report causing me to be denied approval for loans or offered extremely high interest rates. After pointing out inconsistency in documents sent to me by the agency, they still refuse to remove the debt and have since ceased to discuss my account with me stating that I have an attorney involved, which I don't, that prevents them from speaking with me. I would like for the collection accounts to be removed from all credit reporting agencies data, as it is inaccurate and causing negative impacts, thus violating my fair credit reporting rights.
Product: Credit card

Citibank issued me a credit card ( I believe it was in XXXX or XXXX ). Marketing campaigns enticed me into balance transfers. Credit limits were increased. Fees compounded. I was employed until XXXX when I lost my job XX/XX/XXXX due to XXXX safety dispute with employer, I tried to resolve a hefty {$18000.00} balance through XXXX that ended badly. Actual debt was significantly less and most of balance was Citibank fees. Unable to regain employment, I entered early retirement. Communications with Citibank resulted in little progress because Citibank charged off the debt XX/XX/XXXX. Citibank then sold the account to a debt collector in a bulk sale with many other accounts. The debt collector sued me in Supreme Court XX/XX/XXXX for non-payment. I never argued I didnt owe the account for items purchased. I argued marketing deception and exorbitant late fees and compounded interest on what I had purchased. The practice of allowing debt collectors to purchase charged off accounts with this type of activity only exacerbates the underlying deception. I am now on fixed income and unable to work, sinking further into an inability to dig out from under the cloud of debt. When lawsuit was filed with all three credit bureaus, any opportunity to restructure my financial profile vanished. Credit scores went from XXXX to XXXX where they will likely remain till my death. Something has to be done to allow an individual to find hope in recovery. There are so many XXXX when a company, like Citibank, can use a charge-off to better their financial profile while the individual account holder loses their ability to stabilize. My particular financial profile has suffered a domino effect to other outstanding loans and recent loan modification that increased term from 25 years to 40 years and decreased principle payments $ XXXX. I literally had no other options available and this loan modification created another layer of hardship but kept me from foreclosure. Yes, I believe it all began with Citibank.
Product: Payday loan, title loan, or personal loan

LoanMart continues to report payments to the all 3 major reporting agencies inaccurate. The purpose of this is to renew the delinquency date of the loan. I have never made a payment to this company and have emailed them to inform them I will be handling this legally. There has been a numerous amount of incorrect information being reported. I have contacted this company since XXXX of XXXX giving them ample time to fix this issues. 

Currently they are falsifying payment receipts to all 3 credit bureaus. I have never paid this company any monies as they continue to report receipt of payments. 

The key was lost to the vehicle resorting in escalated fees while the tow company attempted to reach LoanMart. They were unsuccessful, although I was still charged for the lack of response resorting in the XXXXow yard having to break the lock. 

In addition, LoanMart has never received a payment due to the disagreement regarding this account. They continue to report false payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2015 I opened an Eagle Loan of Ohio account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay Eagle loan and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though Eagle never responds to my direct validation requests?
Product: Credit card or prepaid card

I applied for an American Express XXXX card about a year ago, and there was a sign up bonus of XXXX points for spending certain amount. I met the spend requirement, but never received the bonus points. I reached out to Amex at least 5 times, and spoke to multiple managers. Over the phone I was given several different version of story, but all of them told me that I will get the points soon, and it was either computer system glitch that they will fix soon, or no thing to worry about, the points will be credited to my account in the next few weeks. That is why I wait and wait for months after months, but still no points.
Product: Checking or savings account

Follow up to answer received for complaint XXXX TD responded to our inquiry where we asked if TD misdirected incoming deposits for our XXXX income tax refunds. 

TD stated : " In your comments, you mention that your federal and state tax refunds for tax year XXXX were sent to your account at TD Bank, but the funds have not been credited to your account. We have reviewed our ACH records and we were unable to locate any incoming deposits matching your name or account number for the amounts you provided. '' New question : Did TD receive income tax refunds from the following banks for deposit in XXXX? 
Company Name XXXX XXXX XXXX XXXXXXXX ID : XXXX Bank of Origination Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Company Name : XXXX XXXX XXXXXXXX Company ID : XXXX Bank XXXX XXXX Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

XXXX : Southeast Toyota Finance VT XXXX as Trustee of World Omni XXXX of XXXX Additionally : XXXX XXXX, XXXX XXXX, NJ, sent a notice XX/XX/XXXX We returned our XX/XX/XXXX leased XXXX at the end of our lease on XX/XX/XXXX to XXXX of XXXX. They inspected it, declared it had no damage, and took possession of the car. On XX/XX/XXXX we received a bill from Southeast Toyota Finance claiming that when they inspected the car on XX/XX/XXXX, XXXX days after the car was out of our possession, there was damage in the amount of {$350.00}. 
We have no way of knowing what happened to the car during those XXXX days. 

Background : A week prior to returning the XX/XX/XXXX leased car, I went to the dealership and chose a new XX/XX/XXXX XXXX to lease. A few days later, someone identifying themselves as a XXXX representative called ( my wife got the call ) and said that, as our lease was about to expire, they would like to set up an appointment to inspect the car. My wife explained that we had an appointment with the dealership to return the car and lease a new XXXX in a few days. The person on the phone said that was fine, then, and did not schedule an inspection. 

What followed : For a year and a half, we have been trying to settle this dispute. There have been innumerable phone calls, emails, and letters. We have been shuffled back and forth among the XXXX of XXXX, Southeast Toyota Finance, World Omni XXXX, and now XXXX. We have contacted every person they 've asked us to, which has been a significant number. The number of hours we 've put into this is abhorrent. 

Additional information : Our payment record with Toyota Finance has been perfect, both for the XX/XX/XXXX lease and for the XX/XX/XXXX lease. 

Present : We have done everything we know to do to protect our rights. It 's time for the harassment to stop.