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

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. I kindly request the following actions be taken urgently : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. Implement additional preventive measures on my account to avoid any future unauthorized access or activities. Given the prolonged inconvenience and the potential impact on my financial well being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent 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 Balance : {$770.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} 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

I disputed a late payment and it was verified as accurate. After thorough research of my report, I found multiple inaccuracies across all bureaus. 


Account XXXX - XXXX account number XXXX In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I had a charge on my account that I did not authorize. I was in XXXX when I saw it and couldnt get through to amex by phone so I just clicked that I was disputing the charge online and then kept my card locked until I returned to the US and then called then and had the card closed due to the fraud. They did so and sent me a new card and today I got a letter from Amex saying I am responsible for the charge. I called them and asked them why they are holding me responsible for a fraudulent charge and they gave me a lot of trouble about it, suggesting I just made the charge and forgot. They looked up the company and said it was a taxi and I re-iterated I have never made a {$150.00} charge with any taxi. They finally re-filed it as a fraud dispute but I dont trust them at all to take care of it and am asking for your help. I believe I am not supposed to held accountable for a fraudulent charge. I paid hundreds of dollars for this card and pay my account in full every month- why are they interested in protecting the criminals instead of me???
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity. 
Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information.

Written confirmation of the actions taken to address my requests as required under the FCRA.

Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred.

Thank you for your prompt attention to this serious matter. 

Company : XXXX XXXX
Product: Bank account or service

I received a phone call at XXXX from XXXX at XXXX XXXX regarding my dispute with XXXX XXXX XXXX for {$2900.00}. He stated that due to my signing a XXXX XXXX with XXXX XXXX XXXX in which they were supposed to reimburse me {$2900.00} via certified which I never received they could not help me. Please be advised I did not receive the monies specified. Which has brought me to this point. My credit card company states they will not refund my money, I actually sent them documented proof that I did not receive the checks. In their responses they provided a contract which I admitted to signing and checks that have never been cashed, which proves nothing. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Every other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company they should open the investigation and issue a credit.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor 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 XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Called me XXXX days in a row, after I said I would pay it in installments the XXXX day they called me.
Product: Vehicle loan or lease

Mechanics Bank Auto finance company is not reporting to any of the 3 major credit bureaus that the auto loan account has been paid off.
Product: Credit reporting or other personal consumer reports

Atlantic discount co have been continuously running my credit without my consent. I had a loan with them over XXXX years ago and settled in court. But they keep running my credit for the last XXXX  years. I contacted them and asked why are they continuing to do this and they stated because they are trying to get in contact with me. Which this is the illegal.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting

The company that is responsible for providing my credit report can not verify my identity when I try to use their online service to request a credit report. After entering my information this message comes up 'We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. ' If I can not get through their system, how reliable is the information they hold about me and provide other organizations who may be running enquiries about my credit? 
How do I know enquiries on my name are actually about me if they ca n't event get my identity right? 
The only option to get a free credit report is to mail them personal information to a XXXX. This looks like a sure plan for identity fraud. Fortunately, I have some time on my hands so I will be taking it further with all the relevant federal and state agencies. 
Identity requirements from their website : 'Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security Number W2 form Address Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) '
Product: Credit card or prepaid card

I paid for a watch with 2 day shipping so I could get it in time for XXXX. After the merchant took my money, they sent me a tracking number that showed that they sent it regular service, instead of 2 day, which ended up taking over 2 weeks. As soon as I found out I contacted the merchant and told them I paid for 2 day, and to cancel my order. They told me they could not cancel it since they shipped it, and I told them I do not need it if I can't get it before XXXX. 

I contacted discover immediately and they initially gave my money back, and the item was never delivered to me because I left a note to the shipper to send it back. 

A month later discover charged me back for the watch stating that even though they did not send it 2 day like I paid for, that was out of their control, so now I do not have the watch or my money. The merchant got their watch back and discover took my money. 

Horrible business ethics and even more horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items : XXXX : XXXX XXXX XXXX Account Number : XXXX {$22.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$22.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX 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: Checking or savings account

I opened a new personal Truist checking account under the Welcome {$500.00} Checking Offer XXXX ( XXXX ) on XXXX/XXXX/2022. 

Two Qualifying XXXX Deposits totaling {$1000.00} or more within 90 days of account opening were made on XX/XX/2022 and XXXX/XXXX/2022. 

Four weeks have based and I have not received the {$500.00} offer. 

I have contacted Truist twice and their foreign call center agents have been no help. 

The online offer tracking system says the my account was closed. My account is open and active.
Product: Credit reporting or other personal consumer reports

i sent XXXX, XXXX, and experian letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Unauthorized Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

On XX/XX/22 transferred in enough money from one bank account to cover check. Seems it was past a cutoff point and didn't apply until the next day. Had to deal with some emergencies related to a sick cancerous child. 

On XX/XX/22 my check posted but I was charged not one but TWO overdraft fees. A tier 2 overdraft fee in fact.

Called in to see if I can have a courtesy overturn but was advised that they couldn't be reversed for an arbitrary reason. Now I'm concerned with this bank as I've done enough business with them already, including buying a house. What more do they want?!
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a XXXX  Platinum Extended warranty with my used car. My car was a XXXX XXXX XXXX XXXX with XXXX miles on it. The warranty was purchase at XXXX XXXX in XXXX, Maryland with a XXXX XXXX who advised me it would cover most everything. However the vehicle was repeatedly denied warranty work by XXXX when I tried to use it. I complained to oversite agencies and to the phone team. The phone team became incredibly hostile and tribal during the process. The XXXX ladies screamed at me when I asked for a supervisor and put me on endless holds. Many cases with XXXX and the dealer shops were opened. They sabotaged the billing and cancelled the plan after yelling XXXX  XXXX  type stuff at me. They even asked if I voted for XXXX. This is retaliatory and illegal. Please provide me the reason it was cancelled. Please provide me an entire billing history. Please refund all amounts paid into this account. This level of XXXX tribalism and financial scheming has no place in america. I saved the recorded calls for court. Please provide the amounts I paid in and the address to subpoena stuff. If the warranty isnt immediately refunded or retroactivated with no lapse I will sue.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX ILLEGALLY PUT IN MY NAME ON XXXX TO XXXX. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.        2. COMENITY CAPITALXXXX OPENED ILLEGALLY ON XXXX AND REMOVAL DATE XXXX XXXX.                                 3. XXXX XXXX  OPENED XXXX REMOVAL DATE XXXXXXXX XXXX. PLEASE REMOVE ALL ILLEGAL OPEN ACCOUNTS ASAP. PLEASE SEND LETTER SO I CAN SEND  LETTER TO XXXX TO REMOVE  THE FRAUDULENT OPEN ACCOUNTS. THANK YOU.
Product: Credit reporting or other personal consumer reports

Double reporting issues with a " XXXX '' status on my XXXX credit report. There are XXXX separate " XXXX XXXX XXXX '' reports happening on my XXXX account that are highly inaccurate as the company can only " XXXX '' or XXXX XXXX XXXX  ONCE on an account. You will see on my XXXX credit report as of XX/XX/XXXX that Santander Consumer USA has reported this information XXXX! Once in XX/XX/XXXX and again in XX/XX/XXXX! That can not happen and is in clear violation of the FCRA and a lie to the consumer reporting agencies! The other discrepancy noted on my credit reports is that on my XXXX report, Santander Consumer USA HAS NOT REPORTED A " XXXX '' or XXXX XXXX XXXX in XXXX of XXXX and that it is being reported on XX/XX/XXXX! As well as my XXXX credit report shows that a XXXX XXXX status was put in place in XX/XX/XXXX! With a term duration of only XXXX Months? This account is also inaccurate and is in clear violation of the FCRA as Santander Consumer USA DOES NOT KNOW THIS INFORMATION TO PROPERLY REPORT IT TO THE XXXX MAJOR CREDIT REPORTING AGENCIES!!! This company is potentially making up information as they go when they come under fire for disputes from agencies and the CFPB or XXXX! This account needs to be deleted from all of my credit reports as it is in clear violation! Attached below is my most current reports from XX/XX/XXXX that will prove this information to be inaccurate and false and needs to be removed from all XXXX of my credit reports!
Product: Student loan

I was attending catawba college and in 2010 i took classes at XXXX in hickory. My grandmother died in 2010 and long story short my information was stolen from my mail box in XXXX. At the mediation my school loan information was used to blackmail and sue me in the will hearing. I didnt realize that my uncle had accessed my info for XXXX XXXX XXXX and they allowed him to change the address and contact info to his information He then had the info mailed to his home. Now i havnt been able to access the info at all and am in collections. I was told that because i couldn't verify the info i was unable to access the loan. In addition to that 4years after leaving XXXX i find out that they believe i owe them money. However i went the entire year at the school and no one said anything about misfiled paper work. I now have a judgement against me and i can not get ANY HELP!!!!! I have over 100K $ in debt that i am not allowed to pay! My identity has been compromised.the only school loan that has not been affected is from XXXX XXXX.