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

I am writing to follow up on the ongoing issue regarding the fraud items. Despite our previous communications and numerous attempts to rectify this matter, it is disappointing to note that the problem persists. As this is now our multiple round of dispute regarding this issue, it is imperative that immediate action is taken to address and delete the items. The continued presence of fraud items not only hampers our operations but also reflects poorly on the efficiency and reliability of your services. 
Despite our understanding and patience, there has been no visible improvement in the situation. We urge you to prioritize this matter and implement measures to ensure that these items in a timely manner moving forward. With this, I am asking for your assistance to remove these items in my credit file : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please 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. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX XXXX  : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX XXXX XXXXXXXX XXXX : Account number : XXXX XXXX XXXX L : Account number : XXXX XXXX XXXX L : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX  XXXX : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

I had been paying on time every month for my credit account with CARECREDIT/SYNCHRONY BANK. I had made a final payment of {$78.00} to pay off the balance prior to the beginning of the new year on XXXX/XXXX/XXXX. I received a confirmation number and thought I was done with the bill. I received a bill on XXXX/XXXX/XXXX in the mail stating I now owe {$260.00} and that I missed payments for XX/XX/XXXX and XX/XX/XXXX, so my account is in default. The company returned my payment the same day I paid electronically, and they had given me a confirmation number of my payment! They never notified me that the payment was returned and waited for two months before telling me the bill was never paid. I tried solving this with them and called customer service where I was told I was speaking with a manager named " XXXX XXXX ''. He refused to make a case ID or give me any info about his employee ID and was very rude. He would not tell me why the payment was returned and why I was never contacted, only that I had to pay the late fees and that because my payment was not before XXXX/XXXX/XXXX I had to pay all the interest that had accrued during the promotional balance. I did some research and see that this credit lender has done this before to people. The company actually lost a law suit not too long ago, where it had to pay back the money it scammed from people, and restructured under a new name. Please help me as I made the payment on time as I always had, and they even gave me a confirmation number that I made it. They then returned it and did not notify me in any way, nor did they contact me that I was past due until they sent a letter which I received on XXXX/XXXX/XXXX. They are obviously doing what this company has done before.
Product: Checking or savings account

I have a checking account with PNC Financial Services Group ( acquired XXXX XXXX, RBC ). I am writing to make formal complaints against the PNC Financial Services Group. 
<br><br><br> <br><br><br> <br><br><br> PNC 's security system was NOT just imperfect as RBC stated but had OBVIOUS flaws, and your security flag was totally a false alarm. It was wrongly flagged from a check deposit ( I did deposit my husband 's checks five years in a row ( with his authorization and signature -- suggested by former RBC 's agents, a normal behavior ). So, it's NOT something new this time -- a NORMAL behavior. Most importantly, his check was cleared just fine and deposited successfully. And PNC 's investigation also showed that there was NO issue involved, whatsoever. 
<br><br><br> <br><br><br> <br><br><br> Furthermore, all other deductions/scheduled payments were also processed fine in my account at the same time. How could PNC have just " selectively '' canceled and deleted that scheduled, important, and critical payment ( to the City of XXXX XXXX every year for the past XXXX  years in a row -- NOT something new, and NOT to mention that this payment was scheduled/set up BEFORE your security flag ), totally without warning and any of my knowledge?? ( Additionally, PNC wrongly blocked/took away my access!! ) Therefore, it was PNC 's system flaws/system fault to have caused my late payment and a penalty of {$230.00} from the City of XXXX XXXX . NO excuses in ANY circumstances, whatsoever! 
<br><br><br> <br><br><br> <br><br><br> Given all of the above, PNC should definitely be responsible and held accountable. The facts are more than clear, undeniable, and undisputable! Other banks would NEVER have deleted. PNC Financial Services Group ( former XXXX XXXX XXXX has NO excuses under ANY circumstances, period!
Product: Payday loan, title loan, or personal loan

XXXX Cash 1 in Arizona has been harassing me and threatening legal action regarding a title car loan. Calling texting voicemails. I owe them approximately {$3000.00}. Today day with penalties and interest its {$9000.00}. These deceptive practices are hateful and awful. I have spoken with them this month and last month to negotiate. Recently I asked if they could waive the {$6000.00} just in interest alone that is owned and allow me to continue with payments on the amount I borrowed of XXXX. I have made payments to them but they stopped because of a hardship. I was trying to even go so far as surrendering the vehicle to them at one of the cash1 locations. In hopes they would sell it and put that against the money owed. Due to it not running the cost would be enormous. I am also a XXXX veteran and trying to resolve this the best I can. XXXX at a loss for words at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).  The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem 's continues to deny my claims that i have identity theft even though i have filed a FTC Identity theft report which i will attach. ChexSystems is reporting that i have " Account Abuse '' with a XXXX XXXX. Which i have never banked with. This is a credit union, i have contacted numerous times and they refuse to work with me. They tried sending me a pay to delete letter but chexsystems still didn't remove it. I advised Chexsystems and XXXX i have experienced Identity theft. I want ChexSystems to actually review my claims instead of just denying my disputes saying if i don't file a police report they won't investigate. A FTC Report is essentially a police report, the local PD can review these reports. 

I want this information updated and removed from my ChexSystems report as it is causing personal harm to me. Per the FTC note to furnishers, false information and fraudulent information should be removed immediately per the FCRA requirements of identity theft. Please review the attached report. 

Remove the accounts for XXXX which i never opened and XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

I am writing in reference to the AFFIDAVIT that their office but has to respond. Also we have not received all the information requested validation of debt and they are still rushing forward with the sale. 

Cancel Checks of Transaction Proof of license to collect debt in Georgia Verification copy of judgement Any assignment of mortgage that can declare legal standing records of all correspondence from you I have enclosed a copy certified affidavit just in case it has not uploaded to your office. I faxed the affidavit over to XXXX and mailed to the locations listedlisted in the attachment. Mortgage frau has been commited an they are not answering to i. 

I tried calling and leaving messages along with my counselor but the person voicemail stated it does not allow messages to be left andthey have not returned the call. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX XXXX gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX of 2020, I filed a claim with Bank of America about the scam using XXXX to send {$190.00} for a product but I never recieved. They denied my claim and took back credit, they refused to do further research. I contacted XXXX  countless times but they refused to help. Please help me to bring justice
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible 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 hae bene disputing these items multiple times and yet the Credit Bureaus have been adamant in ignoring my requests. They have not also sent me copies of documents they found supprting their claims that the disputed items belong to me. Without these documents, the disputed items should have been removed from my Credit File.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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

Barclays Bank XXXX XXXX Credit Card called me on XXXX, XXXX around noon to verify a transaction happening at XXXX XXXX. I told Barclays Credit card Caller that I am at my office. I am not at XXXX. she asked me, do you have Barclays Card with you? I replied to her, NO. I don't have this card with me. it must be at home as per my knowledge. She put transactions at XXXX as fraudulent and closed credit card as lost as stolen. 

I tried to talked with Barclays Credit card investigation at XXXX XXXX XXXX and she asked to fax her which I faxed on XX/XX/XXXX. they received and Barclays didn't replied. I faxed again on XX/XX/XXXX with Police report and called Barclays and they admitted, they received my faxes and it will take 7 to 10 days and some manager will call me. so far I called over 10 times within 15 days and talked with XXXX, Employee ID, XXXX, than XXXX, ID # XXXX and she transfer to her manager, XXXX, ID, XXXX and XXXX, ID # XXXX  and XXXX, ID # XXXX of Barkleys credit card. nothing is resolving as of XX/XX/XXXX I have very good credit history and a very responsible citizen. this Barclays is trying to Destroy my credit history. I am not able to pay this fraudulent charges of {$420.00}. 


therefore, please help me and put a very heavy fine to this Bank.
Product: Checking or savings account

On Thursday XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX I received an email from capital one, keep in mind that this has been going on since early that day. I called capital one and was left on hold for about 40 minutes and then got hung up on. I expected my pay check just as every capital one customer to be able to pay our bills on time. This is outrageous, as soon as I get my deposit I am banking elsewhere.
Product: Payday loan, title loan, personal loan, or advance loan

Conns XXXX XXXX In person signed for a {$1000.00} no interest if paid in 1 year etc after making 70 % of my balance I asked what the pay off was to pay it off and was told ( in person ) I owed {$2000.00}. I refused and talked with the lady and was told nothing she can do its in the contract. Asked for the contract and was told they dont keep copies I have to call and ask. Went to another store talked with the store manager and told them the original sales persons name and the manager said she used to work for me and I made her leave because she kept doing that same thing, dont pay and call corporate Corporate said no choice I have to pay did not give a copy of contract or proof of what I owe, then SOLD my debt to a collector. Collector called me multiple times a day all hours of the night called my work called family etc I told them not to call anymore I want everything by mail or I would sue them. NEVER got any mail from them and now XXXX  years later theyre going out of business ( expected no less from this shady place ) and now all of a sudden theyre ding my credit saying I have XXXX missed payments and owe them {$700.00} still. And yet to this day Ive tried to send them letter with no response, I disputed my credit and got nothing from that, disputed again claiming they did not provide proof of expenses or proof of contract and again denied. 
I have not even gotten as much as a bill nor collection notice or anything. 
The name Conns is very fitting
Product: Credit reporting or other personal consumer reports

Notice to Agent is notice to principal notice to principal is notice to agent. 


On XX/XX/2023 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 


Please update this account and transaction from my consumer reports : Never Late ( PAANL ) : 1 ) XXXX ( Account Number XXXX ) - XX/XX/2023, Your truly XXXX XXXX