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

I am writing to express my utmost concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my account with Credit Bureaus. Despite numerous communications, the unauthorized transactions remain on my account, and the lack of swift action is causing significant distress. 

Discovered unauthorized transactions on my account statement. 
Immediately reported the fraudulent items to your customer service department, providing all necessary details. 

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. 

Followed up with customer service to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items persist on my account, causing additional stress and concern. 

This extended delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. 

I urgently request the following actions : Immediate and expedited investigation into the fraudulent transactions on my account. 

Transparent communication regarding the steps being taken to identify and remove the unauthorized items. 

Swift removal of the fraudulent items from my account and a confirmation of their removal. 

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed. 

Compensation for the inconvenience, stress, and potential risks associated with the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX, XXXX, Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX # XX/XX/XXXX.
Product: Credit reporting 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. 

Account : XXXX  XXXX 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXXI Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened  XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX am looking at filing a lawsuit against this company if it doesnt address the issues at hand.
Product: Credit card or prepaid card

spoke with a rep at original company and cancelled. 
Now they leave me on hold forever and say I haven't cancelled continually trying to bill me.
Product: Mortgage

I have been working with my lender Ocwen regarding a loan modification. I have been providing the documentation requested in a timely manner and have been following up once a week to ensure the process is going smoothly. I was told several times that the foreclosure was on hold due to the active review of my file. I then find out that on XX/XX/2016 that my house sold back to the bank. No one ever informed me of this sale date and the trustee 's website in fact stated that it was on hold. My homeowner bill of rights have been completely violated as the sale proceeded during review, I am aware of dual tracking and am not afraid to take legal action.
Product: Mortgage

Fraudulent FHA application indicating that I did not bring any money to the closing and if I did, was it borrowed? 

Note : FHA insures reverse mortgages for one-to-four family units under the various provisons of section 255 of the National Housing Act ( Title 12, United States Code, Section 1715z-20 et.seq ).
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : USDOE/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 reporting, credit repair services, or other personal consumer reports

Fraudulent charge off account on my credit report : XXXXXXXX XXXX XXXX XXXX - XXXX XXXX
Product: Checking or savings account

I have been a US Bank customer for 25 years. Despite having no branch locations where I live, I've maintained the relationship. While traveling, I deposited an insurance settlement check in the approximate amount of {$4900.00} at a US Bank ATM in XXXX XXXX, NM on Friday XX/XX/XXXX. The check was made payable to myself, my wife, and two lien holders. ALL parties had endorsed the check. Nonetheless, US Bank reversed the deposit and now intends to mail us an " indemnified check '' which we are instructed to mail to company headquarters in XXXX, MN  along with a deposit slip.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and these accounts and inquiries were fraudulently added without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items. 
XXXX Accounts : XXXX. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX Her FCU o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : AcceptanceNow o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$550.00} XXXX. Creditor Name : XXXX Funding o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} XXXX. Creditor Name : XXXX Funding o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$480.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3800.00} XXXX. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$690.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. Creditor Name : XXXX, XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$860.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$400.00} XXXX. Creditor Name : XXXXXXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX ( multiple inquiries ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX ( multiple inquiries ) XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Bank DE XX/XX/XXXX
Product: Checking or savings account

A lawsuit was made recently against wellsfargo which I strongly believe i was part of the customers who were wrongfully charged fees, i had addressed the problem with the bank in the past. When I found out about the settlement wellsfargo was no help in telling me if i was included in that. I explained that if I had received a letter then it was likely i thought it was junk mail and threw it away. I requested it be sent again and they said that was not possible
Product: Checking or savings account

On XX/XX/XXXX, I called Citizen Bank at XXXX to request that my Savings and Checking account be closed. 
XXXX moved the balance in my savings account to my checking account and successfully closed my savings account. He then told me I had to go into a branch to fill out a form to close the account out. The nearest branch in XXXX XXXX, NY is over an hour drive from my home and not an easy commute going thru the city. XXXX then suggested I do a wire transfer and transferred me to XXXX in the mobile transfer department. 
XXXX couldnt help me and transferred me to XXXX in the wire department. 
XXXX said I needed to go to the branch to fill out a form which I told him I live too far. He then transferred my call to the customer service department. 
I asked to speak to a Supervisor as I was now on the phone over 1 hour and 20 mins. XXXX identified herself as a Supervisor and instructed me to send a letter to the XXXX XXXX office requesting the account to be closed. As soon as I hung up the phone with her, I wrote the letter and immediately mailed it as I need the funds as soon as possible. 
Yesterday, my husband took a call from XXXX XXXX, XXXX XXXX XXXX XXXX indicating that I now need to write ANOTHER letter requesting my account to be closed and mail it to a different address. Due to the inaccurate information I was given by XXXX, I now have to wait even longer to get my funds. This is completely unacceptable. 

To top it all off, I called the Citizen Bank number today, XX/XX/XXXX from the number that XXXX XXXX called from yesterday ( XXXX ) to determine if the letter I already wrote could be sent interoffice instead and while waiting in queue for a customer service representative ( where the automated message indicated the wait time was in excess of 5 mins ), a message came on that due to technical difficulties, my call can not be handled at this time and I should call back later. The call then was automatically disconnected. This occurred at XXXX today, XX/XX/XXXX. 

I then called the XXXX XXXX Branch Office at XXXX and pressed the option to speak to a Branch colleague. It rang about 20 times and then automatically disconnected.

Ive had accounts at many different banks throughout my lifetime and I have NEVER experienced an issue getting money out of any accounts until now. This experience and level of no-service is scary and completely unacceptable which is why I took this opportunity to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent EQUIFAX a certified dispute letter with proof of my identity by my government ID and proof of residency with my bank statement in regards to fixing my personal information that was reporting inaccurate address and employment on my credit report and I received my return receipt because they signed for it. I called five times and authenticated my identity through the phone and my email. I waited two month to pull my credit report and EQUIFAX refused to correct my inaccurate information. The representative XXXX was the most disrespectful person I ever encountered he said he wont be able to fix it due to me not sending in my full social security card. I have proven time and time again my identity but its wasnt to his or EQUIFAX liken. I feel that they deliberately make consumer go through difficult situations for their own satisfaction. I have been trying to get my personal information corrected for two months but each time they failed to do their job. They are violating my consumer rights and not following the FCRA guidelines because of the fact they want to cause me trouble and take me through pure XXXX. Its not right and something need to be done with their unprofessionalism and be held responsible for causing me harm to my credit report by not correcting the inaccurate information.
Product: Debt collection

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XXXX/XXXX/XXXX NO CONTRACT WITH XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX Equifax Account # : XXXX XXXX Account type : XXXX Revolving Account Status : XXXX Open Credit Limit : XXXX {$0.00} Date Opened : XXXX XX/XX/XXXX Payment Status : XXXX Current Monthly Payment : XXXX {$40.00} Balance : XXXX {$410.00} No. of Months ( terms ) : XXXX XXXX Past Due : XXXX {$0.00} High Credit : XXXX {$500.00} Date of last Payment : XXXX XX/XX/XXXX Last Reported : XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX 2 Year History : XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX : ( XXXX ) Comments : XXXX Consumer disputes reinvestigation in progress Credit card In accordance of the fair credit reporting act XXXX Credit creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification that XXXX & XXXX XXXX XXXX XXXX was a new account on my consumer credit report. 

These accounts were previously deleted back in XXXX and I did not receive a notice from TransUnion nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me as established from my disputue in XXXX which resulted in them being deleted. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) I am also very dis-satisfied with the way my consumer report disputes for XXXX XXXX XXXX. They closed the account with a zero balance but it still reflects a " reported balance '' That is contradictory. 

Furthermore, THIS ACCOUNT DOES NOT belong to me. 

There is inaccurate information that I have disputed only to receive a notice stating that they will not re-investigate. THEY WERE NEVER INVESTIGATED INITIALLY. This is a violation.
Product: Debt collection

The Debt that I allegedly Owe has yet to be verified. Ad Astra Recovery is trying to collect on a debt that they purchased from another company ( XXXX XXXX ) and is now reporting the debt negatively on my credit profile because they are trying to collect on a debt that is not theirs to begin with. These actions have resulted in a collections account being reporting on my profile. These actions are illegal and needs attention because AD ASTRA RECOVERY has yet to follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by XXXX XXXX that there was a bill sent to collections on my credit report. This was not my bill, I had never heard of the company that was billing me. It was in the amount of {$550.00} from XXXX XXXX and it was sent to XXXX XXXX on XX/XX/2020, account XXXX. I have never received an actual statement, I just am giving you information provided to me by XXXX XXXX. This is fraud, someone using my personal information.
Product: Debt collection

The collections agency of XXXX XXXX XXXX, file sue me for the wrong debt with out presentation to the court. We never set /see to the court Hearing date, the judge is bought his judgments by XXXX XXXX XXXX XXXX there wasnt court / hearing or set the date they already made by them self, The amount/ credit reporting is incorrect When I went to the courthouse I ask when the court/hearing, they told me there no date, I write responded to judge letter counter lawsuit against the interrass Capital Recovery asking the info is incorrect credit. There no response I find out there Judgments, is there is no date and is not correct debt, the collections agency never presented to me. Since my husband is already deceased, this Collections angency shouldnt looking our personal information I didnt owned to him. He should not looking our personal information/ property without our knowledge he used his attorney powers, and abusing collections tactic I didnt owned to him. I want him to be remove his attorney license. So he can not be abuses to other. XXXX XXXX is already deceased and he still suing him. I m so stressed on this situation. Pls help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against TransUnion whose contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Phone numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion unfairly decreased insurance scores of me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX with the same zip code, by large amounts, due to an auto accident in which the other party was at fault. We do not have an unpaid balance on any credit card. Checks written by us never bounced. We have always paid bills in time. 

Our insurance premiums went up because of this. Our insurance company ( XXXX ) notified that our insurance premiums ( XXXX XXXX XXXX ) went up due to the insurance scores provided by TransUnion. 

I have attached the police report for this auto accident and a copy of the letter and check from XXXX XXXX showing that we were not at fault. The party at fault was insured by XXXX XXXX. 
XXXX XXXX sent me a check since the party insured by it was at fault.