23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following  accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with XXXX XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX XXXX. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score.

In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation. 
The account is XXXX XXXX XXXX XXXX
Product: Checking or savings account

Im waiting for my early direct deposit since Wednesday XX/XX/year>, its already Friday ( payday ) and my direct deposit do not show up in my account, the bank are just giving us excuses and not explanations with details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ss # XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a ) Dear XXXX, I am writing to request the blocking and permanent deletion of fraudulent accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ). I have been a victim of identity theft, which I believe occurred as a result of the data breach involving XXXX. 
Below are the accounts that have been fraudulently opened in my name and that I request be immediately blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Reported : {$1100.00} I have enclosed a copy of my identity theft report filed with the appropriate authorities, along with other supporting documentation ( e.g., a police report, FTC Identity Theft Report ) to verify my claim. 
Under the FCRA, XXXX is required to block the reporting of information that resulted from identity theft within four business days of receiving my request and supporting documentation. Therefore, I kindly ask that you : 1. Block the reporting of the above accounts. 
2. Delete any references to these fraudulent accounts from my credit file. XXXX. Send me written confirmation of the actions taken. 
If you require additional information or documentation to process this request, please contact me promptly at the details provided above. 
Thank you for your attention to this matter. I appreciate your cooperation in protecting my credit file from further harm caused by identity theft. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A - STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 section 604 A section 2 a STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) section states- NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE
Product: Credit card

XXXX, MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX XXXX : Macys Amex account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, XXXX  Experian and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the EQUIFAX XXXX XXXX of XXXX. I didnt get the notification that i was impacted. I found out recently about the extended claim period and i spent well over 85 hours doing my research and getting reports and doing the requirements to file the claim. I have been still doing research since filing my claim. # XXXX I submitted my claim by priority mail and certified mail tracking # XXXX which was received on XX/XX/XXXX. I have called and the claim has been received and it has been under review for well over 4 weeks. I have called and the customer service never has any information or any updates. I want to know what is going on and how long is the process.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN XXXX XXXX XXXX. 

Account Name : XXXX CARD # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX SERVICES XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Mortgage

I am filling this complaint because I have submitted a modification packet since  XXXX . I was told to keep submitted additional documents to make sure my loan continues the review. However when I called Wells Fargo to get an update I was told that I have a schedule sale date for  XXXX   XXXX ,   XXXX  . I was shocked because I have never den ied Wells Fargo to  reach out to me in case anything additional was needed. I am still willing to work wi th Wells Fargo. H owever today I spoke Agent  XXXX  id #  XXXX . From the re-entry team  XXXX  stated that due to my active sale date . Wells Fargo i s refusing to review my modification packet even though it was submitted 30 days before my sale date. Therefore I had to involve my investor  XXXX   XXXX  I open a  case number-  XXXX . Due to all the fraudulent and deceptive practices  Wells Fargo is  using in order to deny me any assistance. When I spoke to my investor I was advised by Agent  XXXX  there was no respond from my lender. I have the right as a home owner to be review for a modification. I have also advis ed Wells Fargo my  husband income is enough to be provided an affordable mortgage payment. My husband and I have attended workshops for struggling home owner like ourselves and have created a stick budget to make sure we cut lots of unnecessary expenses to make sure we can present a surplus to Wells Fargo. Our intentions are to keep our house with an affordable mortgage payment.
Product: Checking or savings account

i have tried for several months with chime to get my money back due to unauthorized charges! they have disregarded my police reports, text messages, etc. the dates have been XXXX XXXX up until today which is XXXX XXXX this is absolutely ridiculous! i wouldnt recommend anyone bank with these scammers.
Product: Credit reporting

XX/XX/2015 I noticed a public record account of a property tax lien on my credit report. It was a tax lien from XXXX County Superior Court in Georgia for the amount of {$1100.00}. It was listed with the Transunion company. This is the only Credit Reporting Agency that had this listed. 
This tax lien was not mine. I have never been to XXXX County, never lived there, never owned property there. Over the past year, I have filed XXXX disputes trying to have this removed. I have asked for verification of their information. They could not provide this. I have asked for their method of verification. They did not supply that to me. I have gave them a name and phone # from the XXXX County clerk of courts office of someone they could talk to about this. They did not call them. I have sent them a copy of the index listing of tax liens in XXXX County for the date listed on the lien. This came directly from the clerk 's office where tax liens are filed. It was proof that it was not there. They said I was being frivilous. I did one of the disputes on line. The rest I either typed or hand wrote. I had several of them mailed by certified letter and notarized. It did not help. I recently got my last rejection letter about this dispute. They changed the amount from {$1100.00} to {$150.00}. It 's like they do not get what I am trying to tell them. Changing the amount is not going to make it right, it is still not my tax lien. I went through XXXX disputes about this, and on the tenth all they changed was the amount. I have talked to XXXX different people at Transunion, with several of them being managers. Please help me get this removed from my credit report. I do not know what else to do. I have informed them that they are breaking several laws by not fixing their error. That did not help. I am uploading copied of the credit report. One showing it before they changed it, and one showing after they changed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and  had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, TD Auto Finance , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Product: Student loan

I only owe on XXXX student loans. Wachovia whicj turned into wells fargo claims i owed them. For years i have disputed only on their account, asking for paperwork. Something about the loan to see if i owe. They never responded. I opened a bank account with wells fargo, no one at the bank said i owed anything with student loans. When you open account with wells fargo they claim to run your social security number to see if you have any other financial relationships with them. They didnt inform me. If they did. I wouldnt of felt comfortable opening an account with them. I had an account with wells fargo for 6-7 years. Not at anytime have they sent me a letter on the student loan. No one ever called me to collect debt. And wells fargo had my current information. I had an active account with them. Years later i fell on hard times, i XXXX, my children and i were in a shelter. I had just finally received my income tax. Wells fargo withdrew {$6000.00}. From my checking wih out any notice. I called wells fargo and complained. Again asked for proof, they stated they dont have to give me proof. I said yes you do, refund my money. The man who was supposed to be my account manager who never contacted me. Got nasty with me. Rude. Even laughed when i told him i needed my money. That i am in a shelter, i have a XXXX. I continued to ask for proof, paperwork, i dropped out of college. Maybe the school took out a loan on my behalf and kept the money. I dont know. I know i dont owe wells fargo. Only on my federal student loans which has always been in good standing. Till this day i have never got my money back. No proof, no information on the debt that i requested so many times. Even the credit bureaus erased the information because Wachovia never sent me information on the debt they claimed i owed. Plain and simple. Wells fargo/wachovia never contacted me, never provided information about the debt. And out of no where just withdrew my money at the worst time. The account manger in the student loan department got nasty with me. Rude. I asked to speak to his supervisor. She said she wasnt giving the money back. And that i need to contact the school. I did contact the school and no one got back to me. If i got a live person they would transfer me to a machine. And no one has returned my call. I still till this day have never received any information and they just stole my money from my account. I believe this was a fraudulent loan. No one provided any proof or information
Product: Checking or savings account

I bought XXXX airline tickets through XXXX with XXXX XXXX, one for {$860.00} and another for {$310.00}. The airline charged me {$86000.00} and {$31000.00}, totalling {$110000.00}. The airline stole {$110000.00}. I contacted my bank ( JPMorgan Chase ), airline ( XXXX XXXX ) and Travel Agency ( XXXX  ) and no one helped me. I am a victim of a major fraud. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I am both confused and frustrated as to how this happened. I checked as usual, only to find unexplained entries. Despite refreshing my browser, they were still there. I urgently need the documents I provided to be thoroughly examined so this issue can be permanently resolved.
Product: Debt collection

XXXX XXXX XXXX OF PA XXXX XXXX {$1600.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1100.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1700.00} XXXX XXXX XXXX OF PA XXXX XXXX {$240.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Credit card

I was denied my own personal credit I feel like thats a violation of consumer law everybodys in titled to their own personal credit title 15 subsection title, 1611 faults and misleading denial of my own credit incorrect data or information, assassinate the ability for me to obtain credit 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805
Product: Debt collection

My wife and I are currently separated, I learned that the Harris and Harris collections has been speaking with her only on my account. I have spoken with her as well and requested any information be given to me regarding this account and she agreed, however she did admit to me that she originally verified the account as me and the representative gave her all of my information and still made changes to the account even after learning that it was not me on the phone. I am not even completely sure that this is my account. I originally asked her to get involved since the claim would have been on her EOB with her insurance and she hasn't seen anything from the dates they are claiming I owe. Again though, I've received no information from this company, not a phone call anything so I don't even know what to do about this account. But I know that as long as general information can be verified they will provide the info to everyone. Per my ex, they only verified my name, phone number, date of birth and address, which is all public information.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX -  Account Number:XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking account was closed and I am unable to re open. I had overdraft protection how is this possible
Product: Money transfer, virtual currency, or money service

I had endorsed a check and it was cashed through chase, I was told ro provide ID and another form of ID and they still would not give me my money