23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

So my XXXX XXXX XXXX XXXX card wasnt allowing transactions to go through for my bills. My mom helped me by letting me use her account to pay for the bills for the meantime. Discovery which is the bank that Im having issues with was charging my moms account but not her checking, it was a XXXX XXXX account. We didnt know until now. It seemed like it took out {$100.00} for XXXX but was able to transfer from my checking to cover. But for XXXX it again took out {$100.00} from the same account instead of the checking and got charged with two {$25.00} overlimit fees. I contact customer support for help as to why but they only explained that I need to talk to my bank about why. Never had a bank or company pull out money from other than my checking, and I ensured it is checking. The issue isnt which bank I used, but where theyre taking the money from. It wouldnt have been an issue if they used the checking or even saving account, but to use one that is empty is to me shady.
Product: Checking or savings account

My wife, XXXX XXXX XXXX, has an account with American Express Bank, FSB ( acct # XXXX ) for which I, XXXX XXXX XXXX was designated as P.O.D. Beneficiary. XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called American Express Bank, FSB to report XXXX ' ; XXXX XXXX. I spoke with XXXX who told me to mail and/or fax a copy of the XXXX XXXX and a letter of instruction. The fax did not answer, so I mailed the XXXX XXXX and letter of instruction. XXXX informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX, I placed a follow-up call to American Express Bank, FSB and spoke with XXXX who informed me that I would be receiving an Affidavit of Identity that I would need to take to my local bank, sign, and have notarized. XXXX again informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX I sent American Express Bank, FSB the Notarized Affidavit of Identity with another letter of instruction. On XXXX XXXX, XXXX, I called American Express Bank FSB to follow up on this matter. I spoke with XXXX who informed me that it would take 7 to 10 days to process my request. ( it had been 17 days since I mailed the last letter. It is now XXXX XXXX, XXXX and I still have not received my Money. I am enclosing 14 documents outlining my travails. They are : 1, 2, 3 - American Express Bank, FSB statement of XXXX XXXX, XXXX, 4 - My notes from the XXXX conversation with XXXX, 5 - a copy of the failed fax report, 6 - a copy of my letter of instruction of XXXX, 7 -  My notes from the XXXX conversation with XXXX, 8 - A copy of a letter I received from American Express Bank, FSB, 9 - a copy of my letter of instruciton of XXXX, 10 - a copy of the Signed and Notarized Affidavit of Identity, 11 - My notes from the XXXX conversation with XXXX, 12, 13, 14 - American Express Bank, FSB statement of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
WF/XXXX  Last reported XX/XX/2020 {$1100.00} Reported balance Credit limit {$800.00} You're using 141 % of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment -- I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely,
Product: Mortgage

I asked my mortgage company to prove that they lent me the money for my mortgage and they were not able to do so under the truth in lending act, so i'm requesting that they send me a remittance so I can pay the outstanding balance from my personal bond issued when I became a US citizen.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous dispute regarding certain inaccuracies in my credit report, which I brought to your attention.. I must emphasize the critical importance of ensuring that the information reported on my credit file is not only updated but also fair and accurate, as stated by federal law. 15 U.S.C. 1681 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in individuals ' credit reports. It is important that the updated information reflects the most accurate representation of my credit history to avoid any negative impact on my financial standing. Under 15 U.S.C. 6802 of the GLBA, I am entitled to full transparency regarding the disclosure of my personal information and the entities with whom it is shared. Therefore, I request documentation proving that I provided explicit consent for the inclusion of the updated information in my credit report, as required by law. Furthermore, according to Section 15 U.S.C. 1681s-2 of the FCRA, upon receiving a consumer dispute, consumer reporting agencies must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. It is important that this process is followed diligently to ensure the fairness and accuracy of my credit report
Product: Credit reporting or other personal consumer reports

I sent a debt validation request to XXXX XXXX XXXX on XX/XX/year> via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, they are legally required to provide validation of the debt. It has been over 30 days, and I have received no response. Since they failed to validate the debt, they are in violation of the FDCPA, and this account should not be reported on my credit file. I am requesting that this debt be removed from my credit report immediately. I have attached supporting documents, including my original request and proof of mailing
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$76000.00}
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/XXXX I have been disputing with Experian via certified mail for the last year or so about a reporting error that needs to be corrected, Yet Experian always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all reported as paid on time. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking places. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Experian has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached proof for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX of this  year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Product: Credit reporting or other personal consumer reports

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, anXXXX XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-debt Final Rule 1002. 142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Iam a victim of XXXX XXXX  of Debt Bondage and would like for al listed accounts to be blockedand deleted from my Equifax credit report please delete the following accounts. XXXX XXXX XXXX XXXX. {$230.00} XXXX XXXX XXXX XXXX. {$330.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$700.00} US DEPARTMENT OF EDU bal. {$2000.00} US XXXX OF EDU bal. {$420.00} US DEPARTMENT OF EDU {$4000.00} US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU bal. {$4100.00}
Product: Debt collection

I have sent letter dated XX/XX/22 to MediCredit to discontinue collection efforts as this debt is not mine. I have not received any communication other than an invoice for the amount on {$1900.00} on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXXXXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Product: Credit card or prepaid card

Hi Macy 's Mgr ; I have never being late! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am actually concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation? 
HOW DID YOU ACTUALLY VERIFIED THESE ACCOUNTS BELOW? 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as itlegally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove thatyou have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency Provide the SPECIFIC date reporting that these items will cease Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party?
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. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX 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 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. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).