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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Names : XXXX XXXX, XXXX XXXX, XXXX, XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act accounts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.SC 1681 section 602 A, states l have the right to privacy.

15 U.SC 1681 section 604 A section 2. It also states a consumer reporting agency can not an account without my written instructions
Product: Debt collection

I did not consent to, benefit from, or authorize any of the following account : Wells Fargo - Account # XXXX for {$3000.00}.
Product: Bank account or service

I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft through several data breaches listed below are all fraudulent accounts and inquiries on my Trans Union credit report and attached is a copy of my identity theft report with all listed fraudulent accounts and inquiries Trans Union Fraudulent Accounts and Inquiries XXXX XXXX XXXX {$1200.00} Account Number : XXXX Fraudulent Trans Union Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Capital one credit card company simply refusing to allow me to redeem the cashback rewards that I earned over the last 14 years, and illegally cancelled my account to prevent me from doing so and instead they sent me a new card with a new number
Product: Debt collection

I ask them for this specifically XXXX XXXX XXXX XXXX XXXX, la XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX : You are reporting and publishing inaccurate and incomplete information collections in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunities. The following account information you are publishing about me is inaccurate and incomplete. Please exercise your due diligence and verify the information is 100 % complete, accurate, true, timely and also complies with all XXXX FCRA guidelines on reporting data to a credit report. 
XXXX XXXX : XXXX The Date of Last activity is inconsistently reported across the XXXX agencies. 
The account is listed as open, yet it is not an open account. 
The payment history is reporting inconsistent status of XXXX, XXXX, XXXX & 120 day late on dierent months. 
XXXX are not able to verify the accuracy and completeness of the information, I request that you delete the above-listed tradeline / collection account and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. 
If you conclude that the tradeline item is verified, I request details of your method of verification. For identification purposes, my social security # is XXXX and date of birth is XX/XX/XXXX I enclose a copy of my as proof of identity and mailing address. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the relevant information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important matter is requested in compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
Product: Mortgage

I received a XXXX INT for my Escrow interest for {$64.00}, I have neverreceived XXXX before so I called customer service and was told it wasbecause my interest was always below {$10.00} so they do n't send them, my escrow is the same dollar amount it has always been, which by XXXX is around {$3200.00}. 
Not sure how that can give me {$64.00} in interest, I have called and wastold someone would contact me in 7-10 days, XXXX and never heardfrom anyone, I have emailed several times and told someone wouldcontact me within 24 hours and never hear anything.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  RE : XXXX XXXX XXXX ( XXXX XXXX ) Last XXXX numbers of the XXXX Account is XXXX, {$69000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXX  ( XXXX XXXX  ) : Last XXXX numbers of the XXXX XXXX  is XXXX, {$69000.00} Charged off ( C/O ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ XXXX  ]
Product: Checking or savings account

My 2 savings accounts have been frozen pending garnishment on XX/XX/2023 for a debt through Jormandy Security Credit Services. The accounts end in XXXX and XXXX and are XXXX accounts. My accounts only income are from military retirement, VA XXXX and long term XXXX through XXXX. I have contacted the company to inform them that my income is from protected sources and sent them evidence from my bank statements. They said they are investigating but I am unclear on why my funds werent released immediately upon proof of evidence. My income is strictly retirement and medical XXXX and I need my funds available asap.
Product: Debt collection

Milestone through Genesis FS card services offered me a settlement in the amount of {$890.00} to settle my account in full of the payment was posted by XX/XX/2022. I called prior to the date and on that date again to advise I was posting the payment online. I posted the payment and received confirmation of the payment. 

Recently I received notification from XXXX XXXX XXXX saying they were collecting on it and my balance was {$2300.00}. I disputed it saying I had settled in full and sent them the email confirmation of payment I received. They sent me a response saying I didnt not provide proof. Im not sure what more to provide. I did exactly what Milestone asked and paid the amount in full.
Product: Mortgage

Requested XXXX refinance mortgage from Wells Fargo. I was told because I was reported late in their internal system, on my current VA mortgage that I could not proceed with the refinance. Even though I was reported current on my credit report and I have an email also advising me from Wells Fargo that I was reported current. Then after 6 weeks I received a letter of denial stating product/program not available. Well that is not true. It is available and it is available to all VA mortgage holders who are reported as current on their credit report with a current VA mortgage which I have. 
The letter then advises my credit score was unavailable- that is not true- my credit score is available and Wells Fargo did not run it- I have a fraud alert on my report. Wells Fargo needed to only ask a few questions to verify who I was and make sure I was the XXXX applying. 
If I was n't a Wells Fargo customer already and they would have run my credit and verified my timeliness of my mortgage payments. I was reported late in their internal system due to a technical error, I paid immediately, the late fee was removed, I was reported current. 
What other basis Is needed? 
This is discrimination at its finest- Because of the type of loan, low cost va-refi no cash out Then I show them all the XXXX rules Wells Fargo sent me all the loan papers at XXXX without even telling me the rate. 
I asked for a XXXX because a competitor has offered me that, and our current credit union was lower I sent proof of the rates offered. Then weeks later after I called and called, I finally called from a work line and informed who I was then I was told - I 'm so Sorry we ca n't help you- and I could n't even finish a sentence for a why? before she hung up on me - it 's absolutely ridiculous that I have to put up with this. 
It is n't fair- if they run credit on all non-wells Fargo customers they should run it on all internal Wells Fargo customers and they would have seen I am classified as " very good '' border line '' excellent. '' And they would have given me the time of day- maybe? I do n't know because I was treated like XXXX the entire process when they found out I wanted to refi no cash out at XXXX the closing costs were also on .05 % -- so you tell me? Is this fair?
Product: Credit card or prepaid card

AMEX sent me a promotion to get a new card when spending XXXX within the first XXXX  months will give me the advertised rewards ; however, AMEX set the limit in a way is impossible to achieve that, and Customer Service is incapable of solving or explaining. Its been weeks since opening the account with no replay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX XXXX XXXX XXXX . I have contacted local police and the FTC.
Product: Mortgage

On or about XX/XX/2023, PNC BANK representatives told XXXX XXXX, that his insurance and property taxes were higher in 2023. When XXXX XXXX learned the falsity of the PNC BANK representatives statements, he filed a complaint against PNC BANK with CFPB. In retaliation against XXXX XXXX, for filing the complaint. PNC BANK retaliated against XXXX XXXX, in that on XX/XX/2023, PNC BANK informed XXXX XXXX that a default letter will issued on XX/XX/2023. PNC Bank 's retaliatory conduct is violative of the ADA 42 U.S. Code Sec. 12203 et seq. XXXX XXXX 's right to not be coerced, intimidated, threatened, or interfered with in the exercise or enjoyment of those rights granted him under the ADA. Without federal oversight and/or enforcement, XXXX XXXX believes PNC BANK through fraudulent and deceptive practices will attempt to steal his families property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSNXXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of 2011 but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My Equifax and my XXXX credit files are still showing this account despite the multiple disputes.
Product: Mortgage

On or about  XXXX   XXXX ,   XXXX  , I received a phone call from  XXXX   XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with  XXXX  points Total cost financed with be only  XXXX , which with the skipped payment and savings are recouped in 4 months.   Payment with Tax and Insurance will be  XXXX  per month.   This loan will payoff both the first and the second loan and will save you  XXXX  per month.   As per our conversation, if you took that savings and added it back to the loan, you will payoff the home in 20 years on the dot.  <P/> I provided the appropriate information, signed the first disclosure of the loan terms, and paid for an appraisal, etc.  <P/> On  XX/XX/XXXX , I was notified that a  XXXX   XXXX  was taking over the processing of my loan. He sent a second disclosure in which the terms of the loan had changed and there was a higher closing cost involved. I wrote to him and said I had questions. Meantime, there were a series of calls asking for letters from my second mortgage holder, a request to have a conference call with the 2nd to get payoff, etc. For a period of time, I could not get in touch with  XXXX , he indicated he had been out of the office for a while. On  XX/XX/XXXX , I provided another form required for the loan.   On or about  XX/XX/XXXX , a third disclosure came which raised the closing cost to over {$6000.00} to be added into the loan. I wrote to  XXXX  and said I could not go through with the loan with these terms, it would not be prudent. He said he would check on it. He wrote to me on  XX/XX/XXXX  with the following information : It looks like because of the rate extension, it wiped away any lender credits associated with the loan. I can go ahead and withdraw the loan, if that is what you are still wanting?  <P/> No one ever disclosed to me that they had to do a rate extension and that it would have ramifications to the terms of the loan. In the end, I asked for my money back that I spent on the appraisal. I was solicited with a good offer, then because the process was not followed through with and there were delays, the terms changed and I am out over {$450.00}.  <P/> This was a bate and switch.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.