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

I am writing to formally request the removal of an account listed under your organization on my credit report. The account in question reflects a balance of {$1400.00} and was dismissed under Rule 3-506. 

Despite the case being dismissed, the account continues to appear as a derogatory mark on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and updated information on my credit report. Since the case has been dismissed, the continued reporting of this account as derogatory is both inaccurate and unjustified. 

I kindly request that this account be removed from all credit reporting agencies immediately to reflect the true status of the case. I have attached supporting documentation for your review. 

Please confirm receipt of this message and advise when the necessary corrections will be made. Should you require additional information to process this request, do not hesitate to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. 
olved Parties Information Plaintiff Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Ive been having trouble with my American Express credit card applications. The card gets immediately approved but then, according to their customer service, gets stuck in production due to a System Glitch. On XX/XX/XXXX, I applied and was immediately approved for the XXXX XXXX XXXX. However, I didnt receive the card until 6 weeks later because the application even though approved, needs to be finalized by a team member. 

Ive been a member of American Express since XXXX, thiss not how they, any other bank in the US, operate. When you apply for a card, your application gets approved, denied, or go pending. A card thats immediately approved does not require further processing that takes 4-6 weeks. 

This also happened to my XXXX XXXX card application submitted on XX/XX/XXXX and currently, my XXXX XXXX XXXX card application that was submitted on XX/XX/XXXX.
Product: Mortgage

I just received a phone call from  Wells Farg o. This is in violation of Bankruptcy law.   At   XXXX   XXXX  ., I received a phone call from this phone number :  XXXX . A woman, who initially did not identify herself as from  Wells Fargo , asked to speak with  XXXX   XXXX . I replied affirmatively that this is  XXXX   XXXX . She then identified herself as being with  Wells Fargo . I was shocked. I said that I am in active Bankruptcy, and that  Wells Fargo  is not supposed to contact me. She replied, Yes I know, that she understand s ( i. e., the Consumer Law ), but that they (  Wells Fargo ) have a right to contact me to respond to a complaint I filed to the Consume r Protection Bureau. She also notified me that the line was being recorded. She wanted stated her name, and said she wanted to give me her contact information.   I said that I have requested that  Wells Fargo co ntact me via written correspondence only. At that point, I asked her name. She stated,  XXXX   XXXX   XXXX ,  Resolutions Specialist. I asked her what the status is of Consumer Protection Bureau  complaint ( on  XXXX   XXXX , I demanded tha t Wells Fargo  halt active foreclosure proceedings ).  XXXX   XXXX  stated that she did not have an update, and did not know the status. She stated that she needed to research it.  XXXX   XXXX  stated she was contacting me to provide me with her direct contact information. I said that I do not want her contact information. I asked  XXXX   XXXX  to mail me a statement regarding the status of my complaint. She replied that she would.   End of conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Ive found multiple unauthorized accounts on my credit report. Please remove these fraudulent entries immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Equifax consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with Equifax but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. 

I have tried to explain to the Equifax representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. 

I tried calling XXXX XXXX XXXXXXXX myself but I have not been able to have them help me because this account has information that does not match mine. Equifax continues to report this account on my credit report.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

XXXX is on the Wells Fargo bank app and pays to use wells fargo, I was scammed through XXXX, they told me to file a complaint with Wells Fargo, Wells fargo refuses to help, I wanted to stop other transactions from coming in so I won't be over drawn, they wanted to charge me fees and I would be overdrawn, I don't have money for XXXX until payday and Wells Fargo refuses to return my XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently opened and maintained. I've contacted the company and communicated that. They keep calling with promotional offers for existing members.
Product: Student loan

Sent written and email letters which I have proof of an ongoing conversation with myself and Navient about the predatory agreement I was forced into. Asked for an income driven repayment plan and they actually raised the amount that I owed on the overall balance and hiked up the interest rate. Also they dont and said they will not help me any further for repayment plans and they dont offer XXXX XXXX XXXX any grace. XXXX arent paid good but I love the job and it helps me feel good helping other, but I shouldnt have to choose pinging my credit and missing out on a meal to eat due to I have to make unruly payments with the little money I received with paying rent. Please do a deeper search especially in my case I will hand all communication from both parties myself and Navient about how unjust they truly are.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I requested VALIDATION of the debt which was not provided. It is absurd that this company put something like this on my credit file. I found that to be odd because the credit bureau is to report nothing but accurate information about me. So how are they supplying information to the credit bureaus about me when they have not provided me with validation. 

I am requesting the following ; Show me how you calculated what you say I owe. 
Copies of signed documentation that show I agreed to pay what you say I owe. 
What bounds me to you? 
What kind of business dealing have I done with you? 

As a reference, please see the below accounts in question that must be REMOVED : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX - Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Debt collection

I was contacted by CareCredit ( Synchrony Bank ) in regards to a debt that I owe on my Credit Card with them. After advising them that I was unemployed and working to get the debt taken care of, they started calling me from blocked/private numbers in order to get me to answer the phone. I was also called multiple times a day and left more than 1 voicemail on some occasions.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA all the following accounts has violated my rights. XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX 
15 USC 1681 section 602A. My rights to privacy 15 USC 1681 section 604 A section 2. Consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1681a ( 2 ) ( a ) ( i ). EXCLUSION consumer reports does not include information solely as to transactions or experiences between consumer and the person making the report. I sent a written request for the credit bureau to address the violations.
Product: Checking or savings account

Chase is engaging in the practice of double deducting payments and double crediting deposits. I just tried to fix my last issue with them since they reverse a payment they were not supposed to causing my account to go negative. 

They gave me a credit on the double deduction, and a later realize that they double credit my account. Messing up my recordkeeping. 
This has happened at least 3 times in the last 6 months
Product: Debt collection

Team - I would like to report Identity Theft Activity. On XXXX XX/XX/XXXX, I was made aware of this activity by receiving an email from the XXXX Credit Bureau that my credit score had decreased by XXXX points. I went to the XXXX Credit site and saw on XXXX XX/XX/XXXX that the Enhanced Recovery Collection ( ERC ) Agency ( XXXX XXXX XXXX, XXXX FL XXXX ) was trying to collect a debt that was opened on XXXX XX/XX/XXXX for XXXX in the amount of {$1600.00} ( I never had any accounts with XXXX ). I did NOT receive any correspondence ( Mail/calls ) from ERC regarding this debt. I was a victim of the national data breach on XXXX Credit Bureau and I believe this is how my information was exposed. On XXXX XX/XX/XXXX, I filed an Identity Theft Report online with the Federal Trade Commission ( FTC ) and the local police department. I also disputed this activity with the ONLY credit bureau, XXXX that was reporting this fraudulent activity. What's strange here is I encountered this same fraudulent activity on XX/XX/XXXX by XXXX for the same amount of {$1600.00}, but it was trying to be collected by a different collection agency ( XXXX ). A clear giveaway that this data was fraudulent was the email address used to open the account : XXXX. I disputed this with XXXX and it was deemed to be fraudulent and it was removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or was opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$17000.00} DIGITAL EFCU XXXX Balance : {$52000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know anything about this account and would like if you can send me any type of proof or information which shows that I owe this money and who I owe it to? I want you to mark these account as disputed because I do not know anything about this account.
Product: Payday loan

I got a loan paid it off, and now the company will not close the account and wo n't talk to me. They cont. to tell me that they will look into it and call me back this has be going on for a month now and I cont. to call and they cont. to tell me the same story. They have been reporting to my credit report an amount that is incorrect and they up it in an amount XXXX month and not another, when I ask them about it they say theres nothing they can do.
Product: Vehicle loan or lease

My vehicle sustained minor cosmetic damage and the insurance released a check to myself and TD Auto Finance as the payee. I forwarded the check for endorsement to TD Auto but they refuse to send the check back saying the repairs must be completed. The purpose of the check is to pay for the repairs which makes this request ridiculous. I have forwarded a written request to them and since I have made every payment on time I want either the check released right away or a payoff statement so that I can end doing business with them forever. 

Holding the check is harmful to consumers and most likely used by them to float their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and notice to many hard inquires on my credit report from a car reporting agency they pulled my credit with out my consent I need them removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** Loan ) XXXX XXXX  with a balance of {$0.00} ( bank ) AXXXX XXXXXXXX XXXX  with a balance of {$0.00}, ( loan ) XXXX ( XXXX XXXX XXXX ) with a late payment XXXX ( credit card ) XXXX XXXX  with a balance of XXXX ( creditcard ) XXXX XXXX XXXX late payments XXXX **Personal Information : ** XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, La XXXX - SS # XXXX - DOB XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.
Product: Debt collection

I don't know this company at all and do not owe them any debt as I have NEVER done business with them. They aren't even licensed to collect in the state of Tennessee. They should have never contacted me at all trying to get my social for verification of debt they should be able to prove without a doubt if I allegedly " owe '' them.
Product: Debt collection

XX/XX/2019, Bank of America has reported to the credit bureau debt that does not belong to me. I have never submitted an application for a Bank of America credit account. Bank of America did not obtain my permission to access or use my credit. In addition, I was not notified that there was a problem until negative information was reported on my credit report. Bank of America is harassing me and ruining my credit to punish the account holder. The account is not my account and is not my debt. The account belongs to a relative. I received an alert from my credit monitoring service that Bank of America added an unpaid debt to my XXXX credit report. I have disputed the information with XXXX  and it was deleted. Then XX/XX/2019 Bank of America added the debt to my XXXX  credit report as a closed account. The tactics that Bank of America are using are unethical and illegal. 

In reference to the request below for contracts or reciepts, there are none because this is not my debt nor does Bank of America have a contract, permission, or approval with my name on it.
Product: Credit card or prepaid card

On XX/XX/XXXX I had a payment of {$5600.00} due but only paid {$3000.00} - the next day ( XX/XX/XXXX ) I paid the remaining balance of {$2600.00} and was charged {$43.00} in interest. The subsequent month ( XX/XX/XXXX ) I was again charged {$29.00} for additional interest on the previous late payment despite my balance being paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.