23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes Equifax, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX, TransUnion and XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

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

I came upon information on my credit report that is negatively effecting my report. This negative information is heavily impacting my report and is stopping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran a background check using Chekr background check service and an old driver license from a different state was shown as SURRENDERED and EXPIRED instead of my current license as submitted by XXXX. This is despite the fact they had the current information. This was reported to XXXX and they suspended my account. I called Checkr to investigate and correct the matter, but they then sent another report that listed both licenses, but the EXPIRED one as the current, so the report was still inaccurate and XXXX will not reinstate my account. 

This problem has occurred every year for seven years, each time XXXX ran the background check. Previous calls to correct the problem have not resolved the issue without significant time and effort. The last time, it wasn't corrected for four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the Equifax, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my Equifax, XXXX and XXXX credit report.
Product: Credit card

Chime has a secured card that they offer to help build credit but with your own money. They have reported incorrect information twice. They are not trying to provide any information and they are reporting to XXXX and XXXX to hurt my credit. I have reached out several times and no one has solved this issue. The way you use the credit card is pretty simple. A member must have their own funds and have a checking or savings account. the funds must be transferred to utilize the funds. No money is given by chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Wells Fargo 's closure to my complaint ( ref # XXXX ) I am very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. 
In a response letter dated XX/XX/XXXX, Wells Fargo has claimed that my once mortgage loan and all modification requests were handled properly. 
I vicariously disagree and have lawyer-ed up to prove the unjust handling of my then home loan and all attempts to work out this now known predatory pick-a-payment home loan via a viable loan modification. A modification that was once afforded to all pick-a -payment loan customers via a non-hardship interest rate modification option, but later was rescinded by XXXX once the finical crisis hit and when Customers needed to exercise this option the most ( have supporting documentation of MOD option ). It is my position that in XX/XX/XXXX after falling behind on my mortgage payments I requested financial relief via a loan modification, but what I was offered was yet another destructive loan agreement that XXXX called an " approved '' modification. This Modification did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate relief plan. In fact by accepting the " Modification '' the stipulation was that I forfeited my rights to pursue any legal action ( have supporting documentation ). It was at this time that XXXX, now Wells Fargo, left me with no other option other than to begin legal proceeding against XXXX/Wells, in doing so Wells dragged my suit out in court over the course of several years that when Wells finally agreed to another modification consideration in XX/XX/XXXX my financial state was not as dire as it was five years ago ... Subsequently Wells neglected to revisit my XXXX modification to see if it conformed to the mandated mod agreement of the class action pick-a-payment suit settlement. Instead Wells duped me again and applied my XX/XX/XXXX financial state as a modification qualifier and thereby rejecting my request for a loan modification and appeal. Providing no Modification or outstanding loan balance relief Wells left me with an underwater loan with the same pick-a-payment rate terms that would continue to balloon as rates continued to rise leaving me with the same destructive loan. Instead of Wells working to keep, its since outlawed, pick-a-payment loan customer and his family in their home they instead looked to drive us to our imminent financial demise and damaging credit rating via their demand of foreclosure, as again there were no payment plans being offered in lieu of foreclosure.
Product: Credit card or prepaid card

On XX/XX/2020 Kohl 's for Kohl 's credit card.One at the time I apply I had a XXXX credit score that what they require to get approved.Two they violated and discriminate against under the consumer financial protection bureau law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires. JPMCB Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Checking or savings account

In XXXX of XXXX I was sitting in my car when a random stranger pulls up in his car and ask me if Im able to cash a check for him through my ATM account he said he was locked out of his bank accounts. So I tried being a nice person and stupidly didnt think of a fake check scammers. I signed the check and deposited it and took {$800.00} out of my account and gave it to the man. Two days later I find out it was a fake check and I was scammed of {$800.00}, so I contacted Wells Fargo and filed a fraud claim I talked to a specialist and told him everything that happened he than gave me back the credit which I was scammed of and never once said it was provisional credit until further notice he said there was nothing to worry about and gave me back my {$800.00}. So just yesterday XX/XX/XXXX, I check my bank account and it says reverse credit of {$800.00} and now Im $ XXXX in my bank account without any notice, email, mail no phone call about it. Ive tried calling them seeing if my funds can be revered but all they say is theres nothing they can do since its atm fraud and the specialist says its not fraud so it falls on me when clearly it was fraud and scam and they just take away my money from my account and leave me bankrupt.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC
.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Subject : Fraud Dispute and Immediate Blocking Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ) Dear XXXX XXXX Department, I am writing to formally dispute fraudulent accounts that appear on my credit report and to demand that these accounts be blocked immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ). I have been a victim of the credit breaches and identity theft, and the following accounts do not belong to me : XXXX XXXXXXXX Lowes XXXX I have also filed a formal dispute regarding these accounts through the Consumer Financial Protection Bureau ( CFPB ) and have included a copy of my FTC Identity Theft Report to substantiate my claim. Under the FCRA, I am requesting the immediate blocking of these accounts from my credit file to prevent further harm to my creditworthiness.

Supporting Documentation FTC Identity Theft Report- Copies of my government-issued identification Actions Requested Immediate Blocking of Accounts : As required under FCRA 605B, subsection ( a ), these accounts must be blocked from my credit report without delay. 

Notification of Actions Taken : Please provide written confirmation once the fraudulent accounts have been removed or blocked from my credit report. 

Failure to comply with these legal requirements will result in further action, including additional complaints to regulatory agencies and potential legal remedies. 

Please direct all correspondence regarding this matter to the address provided above or via the email address listed. I appreciate your immediate attention to this matter and look forward to the resolution of this issue. 

Sincerely,
Product: Credit card or prepaid card

Discover bank closed my account allegedly due to an identification verification, of which I have no understanding of. Currently the account shows as open but it is indeed closed and I am ready to report it for fraud, and unfair closure.
Product: Credit card

My brother and I are having trouble collecting the remaining credit on our father 's Costco Anywhere Visa Card by Citi. Our father XXXX XXXX in XX/XX/XXXX, and I contacted Citibank about his card. We received a letter listing the items we needed to mail to the company, including his death certificate, a notarized letter from the executor of our father 's estate, proof that my brother is the executor, and the complete account number. 

We sent these documents together by XXXX in early XX/XX/XXXX, mentioning in the letter that we did not have the complete account number and only the last 4 digits. In the chaos and grief of his passing, we lost documentation with that information. 

I called Citibank today to follow up, telling them that we had sent the documents but never heard back. The customer service agent said that they received the letter but not the other documents. Additionally, she said we can not proceed without the full account number. 

This is the last outstanding issue we are having with our father 's estate, and we have not come across another situation where a company is requiring so much documentation, unclear about what happened to the remaining documentation we sent, and being unresponsive. We feel that Citibank is putting undue burden on us to resolve this issue.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRY IS FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Checking or savings account

I tried to deposit a check onto my Truist mobile app. The app was giving me an error so I deposited into another account that I had with a credit union. The check ended up clearing both account but Truist ended up taking the funds back out of my checking accout with them so I transferred the funds from my credit union account into the Truist account so there wouldnt be a neg balance. Then on Thursday XX/XX/XXXX XXXX I went to pay for my bills and my card was declined. I called up there and they told me that unfortunately they were closing my account and I would not have access to my funds for more then 7 days!!!! 
My employment check was deposited into the account of {$4800.00} on XX/XX/XXXX and now I do not have access to my funds. I called multiple times and went to a local branch location and they told me there was nothing that they could do since corporate had made the decision. I have been a member with them for over 11 yrs and have never had any issues before. I can not pay my bills and I have since accrued multiple late fees and my credit report is in danger of being affected. They did not give me any notification or warning that they were going to freeze my account. I had to find out when all my bill payments were declined. I am a father of XXXX and have a family to support and now I can not pay the bills that we live off of. I hope my terrible experience will be shared so no one can get involved with this horrible company.
Product: Checking or savings account

On XX/XX/22 I was advised by representative XXXX XXXX XXXX of Bank of America that someone had opened an affiliated investment account with Merrill Lynch using my name ad social security number. The account was opened in XX/XX/22 and has already been closed. I spoke to XXXXXXXX XXXX XXXX XXXX XXXX and was advised he located a closed account under a different name with my social security number. They have opened a fraud complaint and have instructed me to file a complaint on your website and to freeze my credit account with all three credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account that i attach bellow However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Money transfer, virtual currency, or money service

I am filing this complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Costumer Financial Protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 under 15 USC 1681. 

XXXX XXXXXXXX XXXX # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit card or prepaid card

I brought two dress online at Macys. I used my Macys credit card. Both dresses was too big so I return them with tags still on. Macys return policy is to get a full refund. However once I return the dresses the Clerk at the Macys store in XXXX Connecticut the charge me {$28.00} and called it " return stars reward. '' The problem is I did not purchase the dress with " star rewards '' or any " coupons '' I paid full price. I have no problem with Macys making my " star rewards points '' negative but to act like star rewards is money and charge me without my permission is stilling. I contacted Macys and they keep ignoring the fact they charge me {$28.00}. I believe Macys clerk took my money because I am XXXX XXXX XXXX. I should have receive a full refund of {$120.00}. I paid {$130.00} on XXXX but Macys is only crediting my {$97.00}. Macys is willfully ignoring the fact Macys charge me {$28.00} on XX/XX/2021 in all our email communications.
Product: Mortgage

When SPS responded to the last complaint I sent on the XXXX, they sent the same exact response as their response for the complaint on the XXXX. They did not explain why one of their representatives ( XXXX ) misinformed me about my right to have a forbearance. I understand why I couldnt get a forbearance in the past and dont need to see the same information over and over again. Just directly answer the questions I raise in my complaint. I have contacted an attorney and he told me that every American has the right to a forbearance no matter the delinquency. Also, SPS is telling people to call my house everyday telling me I have to move. Especially a woman named XXXX XXXX. I am going to complain to Washington XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is FORD MOTOR CREDIT : I have sent in a police report and other case identifying information. That this account was obtained without my knowledge or consent. My credit/debit card, social security card, pieces of mail and etc. Had been stolen. XXXX  refuses to remove this items for fraud. Both of the other credit reporting agency have removed all fraudulent items. XXXX  keeps updating the fraudulent item with FORD MOTOR CREDIT and putting it back on my report. This items is fraud and should be removed from my report.
Product: Mortgage

I recently came in contact with Landis ( XXXX XXXX NY ) regarding home ownership opportunities. It would appear that the company steers prospective homebuyers to certain realtors and mortgage lenders that on its surface violates RESPA / TILA / Reg Z. They also seem to pay referring realtors a fee that would also violate lending laws. The company seems to be violating consumer privacy and fair treatment rules as part of their core business. Please investigate to ensure they are legitimate and not predatory. There practices around appraisal and appraisal reconsiderations should also be analyzed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.