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

I need to inform you I was the victim of identity theft. I'm disputing this account as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which have been mistakenly existing on my report for over XXXX years. 

But somehow, this fraudulent account is still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent account since the submission of the required documents. 
Please dispute this account. This was opened with out my knowlege, authority or consent. 

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

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Balance {$9800.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX Inquiry : XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021, {$30.00} : This company has failed to apply the payment within a timely manner, and has placed a hold onto the payment and available credits, for verification of receipt of funds from the bank for 30 days. 

However, the funds have already been received, and there has never been an issue with any payments being made on this account. 

And all payments have been on time. But I am concerned about the fluctuating available credit being removed several cents to a {$1.00} continuously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several request to have fraudulent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
Product: Checking or savings account

XX/XX/2019 when i walk to Bank of America XXXX XXXX to open a new account, everything went well opening my new account using my paycheck amounting to {$1200.00}, later that day, i was trying to access their mobile app when i found out that the mobile account is locked and advise me to contact costumer services, i called costumer services and found out they closed my newly opened account already and elect not to do business with me anymore, i asked them the reason why and all they give me was it was a business decision on their part not to do business with me, so i asked them if i can get my money back on any financial institution branch they have, they told me after the account is closed, they will send me a managers check amounting to the amount i deposited, first they told me it will take 24-48 hours to close the account, I ended the call since nothing much can be done on my situation.. 
XX/XX/2019 I walked to the bank of america branch where i opened my account hoping i can get my money bank, i sit down with a banker and explain the situation im in, she called the corporate office to ask if they can release my money since they closed my account already, but to no luck, the corporate office declined, the banker gave me a number to call to do a follow up on my situation, i called the number as i walked out of the bank, didnt take long before someone answer on the other line, i asked them when can i expect the check in the mail, he told me that the process of closing my account wont be done till XX/XX/XXXX, after that is when they will send the check to me, ..it was devastating for me, for a normal person living paycheck to paycheck, it is really difficult, not knowing where to get the money to pay m monthly bills and all that, i feel violated with this situation,
Product: Credit reporting or other personal consumer reports

The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence.

All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed.

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX Paid as agreed or inaccuracies deleted,.
Product: Checking or savings account

I am writing to share my experience with Wells Fargo Bank concerning a XXXX XXXX Account and my wife 's first-time experience as an executor of a will. The legislature created the XXXX XXXX category to reduce the workload for probate courts. If an estate is under {$160000.00}, probate is not required, and the executor of the will can file a XXXX XXXX Affidavit to sell various financial instruments. 
My wife 's stepfather, XXXX XXXX, died. The will stated, " I give my entire estate to my son, XXXX XXXX XXXX. '' The following article in the will dealt with the executor. My wife was named as the executor, and this section stated that " The executor shall have the power to sell and lease any property of the estate, subject only to such confirmation of court as may be required by law. '' Given that the second item is true, then the intent is for the executor to handle the issues involved in closing the estate.

Three checks came in the mail addressed to the dead man. One was a refund from XXXX for {$290.00}. The second was a stock dividend for {$62.00}, and the third was {$2000.00} for a life insurance policy. My wife was told that all she had to do was fill out a XXXX XXXX XXXX, and she could deposit them in a new checking account. She made an appointment at the local Wells Fargo Branch and arrived with the will and the death certificate. The Estate Care Department would not accept the XXXX XXXX Affidavit because Mr. XXXX 's grandson was listed on the death certificate as the person who provided the information. Therefore, the money should go to him. Of course, this is ridiculous because the medical XXXX obtains the information about the deceased from whoever is available at the time. 
My wife wrote to the executive office of Wells Fargo, and the matter was referred to an official at the XXXX Care Department, and they asked for a copy of the will. The response she received was that since his son was the beneficiary, he needed to provide a notarized disclaimer. The son lives on the XXXX of XXXX in XXXX. Given COVID restrictions, it would be almost impossible ( and ridiculous ) for him to drive five hours to XXXX, XXXX, and make an appointment at the American Consulate so that my wife would be able to cash these three checks. Plus, the beneficiary cant override the executor, so basically, Wells Fargo created a new criterion not rooted in law.

Wells Fargo wouldn't budge. There were also three stock accounts, and my wife sent a copy of the will, the death certificate, and a XXXX XXXX XXXX to the companies. XXXX XXXX XXXX XXXX XXXX issued a check for {$4000.00}, XXXXXXXX XXXX XXXX issued a check for {$8200.00}, and finally, XXXX XXXX XXXX issued a check for {$1500.00}. All of these checks were in my wifes name.
Product: Credit reporting or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), AMERICAN EXPRESS is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of AMERICAN EXPRESS with whom I have a direct relationship. They are separate entities from AMERICAN EXPRESS that provides my financial information. They ARE NOT jointly employed by AMERICAN EXPRESS with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that AMERICAN EXPRESS complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect a " paid as agreed status, '' ensuring the absence of any derogatory remarks such as collections, charge-offs, or late payments, and with no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by AMERICAN EXPRESS do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of AMERICAN EXPRESS internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, which I acquired from this credit bureau reporting organization and I noticed that this unauthorized inquiry had been made, I contacted the credit bureau, who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. Per the Fair Credit Reporting Act, I request you immediately investigate this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 

XXXX XXXX XX/XX/2017 {$1700.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a Notice of dispute to the credit reporting agency via mail to the address they provided to send disputes to. I had not received any results for that dispute and on XX/XX/year> I sent another Notice indicating that the results should have been rendered according to FCRA 15 U.S.C. 1681i ) a ) 1 ) A ) also violating 1681i ) a ) 1 ) B ). Both Notices are attached. As well as certified mail tracking for the Second Notices sent which contain both the first notice and second notice.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX and I XXXX  XXXX  to move from XXXX XXXX XXXX. I moved on XXXX. I found a cleaning company on XXXX XXXX. I inquired about a cleaning to be done on XXXX. 

These people had access to my home and once I seen that they indeed were not cleaners, I was scared to not send them their payment due to fear of what type of damage they would do to my home. They requested the money be sent via cashapp. I sent it via cashapp. 

I reached out to cashapp to alert them I was scammed, and requested a refund to which they told me their investigation did not see fit for a refund and that I had to reach out to said scammers to get my money back.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me fXXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that has been reported for over seven years. The account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the accuracy of this information and assert that the reporting of this account exceeds the permissible seven-year reporting period under the Fair Credit Reporting Act ( FCRA ). As such, I request that XXXXXXXX XXXX promptly remove this account from my credit report. 

The FCRA states that derogatory accounts, such as charged-off accounts, should be removed from a consumer 's credit report seven years from the date of the first delinquency that led to the charge-off. Given that the last payment on this account was made on XXXX XXXX, XXXX, the account should have been removed from my credit report by XXXX XXXX, XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. Specifically, I request the following : 1. Verification of the reporting period for the account in question.

2. Removal of the account from my credit report if it has been reported for more than seven years.

3. Correction of any errors or inaccuracies in the reporting of the account. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of any inaccuracies on my credit report. 

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

: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XXXX of XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX on XXXX of XXXX under the account number ( XXXX ), also attached to this company is another account number ( XXXX ) a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX on XX/XX/XXXX that appears related to the aforementioned personal loan account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

Requested proof of debt with certified mail, was never received. Falsely reporting account as opened XX/XX/2017 which is in clear violation the FCRA. Never notified of this fraudulent account. Request this account be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Loan paid paid in full to XXXX XXXX XXXX XX/XX/XXXX 2. Account placed in collections to Real Time Resolutions. 
3. Real Time Resolutions submitted inaccurate information to XXXX, dispite the multiple submitted documentation that proved the account was paid was paid in full. 
4. Multiple disputes with XXXX to investigate and remove account. 
5. Account remains on my credit report dispite multiple submissions of Paid in Full records and disputes. 
6. Multiple inaccuracies found including dollar amount loaned, payments, and loan account numbers. 
7. Please review supported documentation.