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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. 


This is the third time IPlease accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
XXXX XXXX # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA.

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

I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. Experian and XXXX  have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and experian was experiencig some difficulties. This is very important, nerve racking and no customer service to assist you.
Product: Checking or savings account

PNC refuses to reimburse overdraft fees, despite repeated pleas and proof of significant income loss due to COVID. My account is now in the negative by over {$500.00} due to fees. I was given the Covid credit and verified with the bank that it was not going to be reversed. There were two communications via their online chat. On XX/XX/21 a representative wrote to me " Those credits will not be reversed. One it was discovered to having a Hardship due to Covid-19, PNC is able to issue credit to support you. '' OnXX/XX/XXXX I verified with another representative who wrote to me : " Happy to Help, I do not show notation that Covid Temporary Credit will be reversed. I show the funds will be available on XX/XX/21 ''. Instead the credits were reversed, another representative told me to go and read the " fine print '' of the Covid waiver, and, to date, I have been charged overdraft fees in excess of {$500.00}. Repeated attempts on my behalf to get this resolved have been futile. It is criminal what PNC is doing to its customers. Ethically and practically, there should be a moratorium on fees. Customers should not have to begging for leniency, only to be dismissed by customer service agents who have clearly been given a script by the corporate controllers. Shameful.
Product: Debt collection

A debt of {$1000.00} is trying to be collected from me from a company called MBA Law on behalf of XXXX XXXX. I have never used or heard of either of these entities and I owe no debts for any medical care. After doing research on this company, many people have complained of phone calls from this same company from multiple different phone numbers asking for debt to be collected. This is fraudulent activity that must be stopped. The only way I found out about this is through my credit score, I have received no mail and no phone calls about this fake debt.
Product: Vehicle loan or lease

Credit Acceptance of XXXX Michigan who was sued by multiple AGs stole my property, didn't inform me of the auction and sued me at the wrong address. I told them I moved but their crooked lawyers lied to the court and the CFPB. I want the lawsuit dropped it was an illegal repo.
Product: Checking or savings account

Wells fargo Fraud Claim Case # XXXX Dear Sir or Madam : I am writing to dispute fraudulent XXXX charges on my account in the amounts of {$5000.00} and {$5000.00} ( totalling {$10000.00} ), and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make these charges. On XX/XX/XXXX I called WellsFargo XXXXraud department and was told my claim was denied and closed. I am requesting this case to be reopened to provide further evidence. Police have been contacted, report to follow. Statement included on Identity Theft Report below. Furthermore, I request that you remove the fraudulent charges and any related finance charges and other charges from my account, send me an updated and accurate statement. on XX/XX/XXXX, I received text notifications from a wells fargo phone number that 2 recipients were added to my wells fargo XXXX account. i checked my account and they were indeed added. within seconds i received a call from a person claiming to be wells fargo fraud dept asking if i initiated transfer to these 2 individuals. i said no, they sent me a texting asking to verify my identity. i provided them the code in text. They said the charges are pending and would be returned by monday. They processed XX/XX/XXXX in a total of $ XXXX. i called wells fargo directly at this time. They denied contacting me friday. I also received a text asking if i was togging in from XXXX texas. i also received notice that my data was leaked in the change healthcare breach on XXXX. On XX/XX/XXXX wells fargo denied my fraud claim ... .See attachment for full text. 

on XX/XX/XXXX I received report that this case was closed and wells fargo not only refused to provide a copy of the investigative report. Wells fargo is currently under investigation by XXXX XXXX for their refusal to return funds stolen viXXXX XXXX I will continue to seek legal action. They closed the case immediately despite pending police reports and refuse to provide a copy of the investigative report. They also immediately closed case and told me that it will not be reopened no matter what evidence I present because it is XXXX related and they do not have to reimburse XXXX. I am shocked by this and will continue to fight for myself and others being affected by wellls fargo fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Debt collection

Even though thus debt is not mine I still paid it on the promise that the collection agency would delete it from my credit and they have not. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA I demand the following inquiries be deleted immediately : XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX  and Experian and XXXX  that all accounts I have requested to be deleted I have submitted, all identity theft reports and police reports to cfpb that close account and forward all information to FTC, i have contacted FTC about cfpb forward the identity theft reports that were uploaded to cfpb FTC stated that they have no info report from cfpb / I HAVE SENT CERTIFIED MAIL TO ALL 3 CREDIT REPORTING COMPANY XX/XX/20 TO DELETE AND REMOVE ALL THE FRAUD ACCOUNTS CFPB NEVER FOLLOW UP AND CLOSE THE DISPUTES. I HAVE BEEN VICTIMIZE AND CFPB NEVER MADE THE 3 CREDIT REPORTING COMPANYS REMOVE ALL DEBTS THAT ARE FRAUD AND FOLLOW THE CONSUMER RIGHTS NEVER FOLLOW UP WITH ALL CERTIFIED MAIL DATED 38 DAYS WITH NO RESPONSE..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Product: Credit reporting or other personal consumer reports

I sent a request to all three companies to investigate any negative reporting on my credit report that was not accurate and most of it has not had any resolution within 30 days. The requests were sent to equifax, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I called Equifax to remove inquires that I did not authorize. I spoke to a US rep who after explaining to him the situation he advised me that XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX would all be removed. After a couple days I checked my report and the items were still there. I called back on XXXX/XXXX/XXXX after sitting on hold for over an hour I was connected @ XXXX I spoke to a US XXXX XXXX in the XXXX XXXX XXXX by the name of XXXX XXXX who advise me that she wanted to apologize because the gentleman only placed these inquiries under dispute but seen his notes and would be sending my file to a specialist team to have the inquires removed since they were suppose to be done on XXXX/XXXX/XXXX because they were inquiries I never authorized and had multiple problems with getting the companies to send a Deletion Request sent electronically. On XXXX/XXXX/XXXX I received a letter showing that XXXX XXXX was the only one removed. That all the others were factional after I had been told now on multiple occasions they would be removed. I am extremely frustrated with this agency and ca n't believe how unprotected we are in consumers. That the agency who holds my life in their hands I literally can not TRUST. None of these agency had my authorization to pull my credit being the loan was suppose to be pre-approved.
Product: Student loan

I paid my student loans in full on XX/XX/XXXX  and everything was fine until my payment was reversed. The reversal only showed up on my account on Saturday, XX/XX/, conveniently when their offices are closed. I know 100 % that the bank information I entered was correct because the funds were removed on my account. Interest was charged to my account for each day after XX/XX/, despite having paid it in full on this day and no information being available to me regarding the situation so that I even *could* correct it. Now theyre back and unavailable to me until tomorrow, XX/XX/, so I cant repay it to avoid interest even if I wanted to. This has happened to thousands of others, not just myself. I believe EdFinancial is purposely reversing these payments in order to gain extra interest from each borrower. The wait time in order to receive assistance over the phone has been upwards of two hours for those who were able to call, and for others like myself, we cant call the offices at all. We just have to continue accruing interest on a loan weve already paid because EdFinancial wont help us. They are deliberately attempting to make more money off of us by leading myself and many others in circles.
Product: Checking or savings account

Requested account to be closed before negative status. Account is negative despite me not using the account. This is preventing me moving to another institution. I requested the account to be closed. 

Company continues to charge fees to a misleading free XXXX checking account. Request the balance to be deleted and be made hold for the inconvenience.
Product: Credit reporting

When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.
Product: Credit reporting

I am requesting permission to file a XXXX XXXX Dollar Lawsuit against Equifax for actual and punitive damages, Offense : Discrimination : Malicious malice of Discrimination ( race ), which resulted in : Serious injuries of mental, emotional and financial harm. 
I have requested the name of the person whom placed these false inquires and this mortgage on my credit file and as of today XXXX XXXX, 2015. I have not received the person name or address. I seeking an immediate resolution to my credit file. It took some very malicious, XXXX person who works for Equifax, two minutes to place false an in accurate information on my credit file. I have received notice it will take at least 60 days to investigate my file. I am filing a lawsuit against Equifax in ( 5 ) days if all of these false inquires, mortgage information and old accounts are not removed immediately. Every day this false information remains on my credit file it is causing me emotional, mental and financial harm. Equifax you will not discriminate against the XXXX in this country by, deliberately placing false information on some ones credit file, in an intentional effort, to keep XXXX, credit score low. You will not ruin my chances to have adequate employment, low interest loans on automobiles, credit cards, etc. You will not deliberately sabotage and ruin my credit in order to ruin my chances of becoming a home owner, due to your racism. I have been a victim of discrimination, race, and the victim of racism. Equifax you have committed a crime. Discrimination in the United States is a crime and is punishable for up to 25 years in prison. What you have done to my credit was intentional malice to cause me XXXX, XXXX and financial harm due to the XXXX. And everyday those false inquires and that mortgage remains on my credit file is causing me emotional, mental and financial harm. You have ( 5 ) days to remove all of those inquires, that mortgage that does not exist, and all of those old accounts off of my credit file. And place all of those XXXX points back onto my credit score. Every day you are causing me XXXX, XXXX and financial harm. And you will pay for everyday that false information remains on my credit file. You have ( 5 ) days to remove those false inquires, the mortgage that does not exist and all of those old accounts from my credit file. It took some XXXX person two minutes to place this false information on my credit file. It should only take two minutes to take it off. 
CC : United States Department of Justice, United States Department of Consumer Affairs, XXXX., United States Federal Attorney Generals Office , XXXX . United States Department of Housing, States Attorney General Office, XXXX, XXXX, United States FBI, NAACP, National Black Action Coalition and the Federal Division of the EEOC.
Product: Checking or savings account

I made an order i did not get what I order. I immiditaly contacted vender they were unwilling to correct it. I then contacted wells fargo and disputed transaction during that wells took over a month when I asked to have it escalated to contact me and they refused to tranfer me to be able to make a compliant.
Product: Credit reporting or other personal consumer reports

The 3 mayor Credit Reporting agencies ( XXXX  ) ( transunion ) and ( XXXX  ) keep reporting this time-barred account which i believe it unlawful.
Product: Money transfer, virtual currency, or money service

XXXX  states in her boa regulatory. Letters ofXX/XX/XXXX..attached My sole account of XXXX has had only 2 cards issued to it since XX/XX/XXXX # XXXX temporary in XXXX # XXXX since approx XX/XX/XXXX to present. 
XXXX XXXX from boa regulatory states in his letter of XX/XX/XXXX attached.. that all I had to do was look at my bank statements and the check card # used will be recorded well I have reported this to boa XXXX XXXX XXXX XXXX XXXXXXXX va from XXXX the check card # s are fraudulent. 
In XXXX XXXXXX/XX/XXXX ENTRY ON BOA STATEMENT REPLACEMENT FEE {$5.00} FOR ATM OR DEBIT CARD IN FLORIDAXX/XX/XXXXNC TELLER CASHWITHDRAWAL {$200.00} ENTRY NO IDENTIFYING BANK INFO IN NORTH CAROLIN A ON SAME DAY 2 STATES IN 2 DAY!! 
XX/XX/XXXX ANOTHER ATM CARD # XXXX IN BOA ATM SAME DAY XX/XX/XXXXXXXX XXXX XXXX ENTRY CHECKCARD # XXXX on my statement XXXX XXXX says it was a boa Visa XXXX # Same day XX/XX/XXXXIn state of north Carolina Check card # XXXX stated on my statement 2. Entries of XX/XX/XXXX XXXX XXXX CHECKCARD # XXXX XXXX XXXX CHECKCARD # XXXX XX/XX/XXXX XXXX XXXX XXXX says I was there visa XXXX was used On XX/XX/XXXX on my XXXX boa statement was Entered as XXXX charge Check card # XXXX on my boa statement Again I can't be at 2 places at the same time OnXX/XX/XXXX XXXX XXXX XXXX. SAYS I WAS THERE BUT NO CHARGE ON MY BOA HEY SAY A VISA XXXX WAS USED IN MY NAME BOA VISA. 
I am requesting a true and certified statement and supporting documents for each statement that was made to the cfpb about my accounts sent to me yo assist me in recovering both my monies and my identity. 
XXXX XXXX ++ XXXX XXXX XXXX XXXX XXXX nc XXXX Please Fax me your response letters via my paid fax plus XXXX asap
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel manager in the XXXX XXXX forced us ( at threat of physical harm ) to pay our bill, even though the entire stay had been prepaid through XXXX. XXXX 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the XXXX card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. XXXX was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. XXXX refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
XXXX did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.