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

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 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting & Notice of Civil Liability under 15 U.S. Code 1681o Dear XXXX, XXXX, and TransUnion, I am writing to formally dispute inaccurate and misleading information contained in my credit reports issued by your agencies. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), I demand an immediate investigation and correction of the following erroneous items : Disputed Account ( s ) : All Credit reports will be attached and copies of my documents.

According to the FCRA, you are legally obligated to conduct a thorough and timely investigation of any disputed information. If the disputed information can not be verified, it must be removed from my credit report immediately. Furthermore, failure to comply with these legal obligations constitutes negligent noncompliance, for which you may be held civilly liable under 15 U.S. Code 1681o. This statute provides that a consumer affected by negligent violations is entitled to recover actual damages, court costs, and attorneys fees.

To assist in your investigation, I have enclosed [ supporting documentation such as payment records, correspondence with creditors, identity theft reports, etc. ]. Please complete your investigation within the 30-day period mandated by the FCRA and provide me with written confirmation of your findings.

If you fail to comply with these obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider pursuing legal action to recover damages for your negligent noncompliance. Please respond in writing to confirm that this matter has been resolved. You may contact me at the addre
ss or phone number provided above should you require any further information. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents, credit report.
Product: Consumer Loan

I have a dispute with Ally Financial over a lease for vehicle that has ended. Ally is demanding payment of {$640.00} because of scratches on a vehicle I returned to the dealership at the end of the lease. The term lease was for three years and XXXX miles. I took very good care of the vehicle throughout the three year term of the lease, and returned it with XXXX miles, XXXX XXXX less than I essentially paid for. Ally Financial is claiming that the XXXX scratches ( mainly on the roof and hood of the car ) amount to " excess wear and tear '' because the XXXX scratches are more than XXXX inches in length. 
Ally 's lease is, by its own terms, the entire agreement between myself and Ally. The excess wear and tear provision in the lease is quite specific and detailed. Nowhere within the excess wear and tear provision is there any indication that scratches a certain measurement amount to excess wear and tear. 
This is not an argument on a technicality. I reviewed and relied on the lease and its terms before returning the vehicle. I also visited the dealership with the car for assistance in making sure there were no issues with excess wear and tear. The dealership representative told me the car was in excellent condition and that because I was returning the vehicle with less miles than I was allotted ( XXXX less miles ), I was pretty much returning a vehicle with more value than could have been expected. 
What Ally is doing is attempting to enforce its unilateral determination - outside of what is described in the lease - of what constitutes " excess wear and tear. '' That unilateral determination is performed outside the presence of the consumer, without the consumer 's knowledge, on terms not agreed to by the consumer. I have no doubt that Ally has collected monies from other consumers under similar circumstances and it is in my view a bully practice. 
I have written a letter to Ally and it has not responded. In fact, I have never received any final notice indicating that I owed the amount referenced above. Instead, I was sent a " reminder notice '' of the owed amount, and after I called to confirm this was a mistake, the representative told me I did owe the amount and could not explain why a final notice was not sent to me. 
I am concerned about my the amount that Ally claims I owe. I am concerned about this affecting my credit at this point. I am also concerned about this type of bill collecting. I am troubled by Ally 's failure to respond in a reasonable manner. Despite my best efforts to resolve this with Ally, it does not appear to be going anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are a few inquiries on my credit reports that are fraudulent. It is for XXXX XXXXXXXX XXXX in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear XXXX XXXX XXXX, This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your organization for the persistent failures to remove the inaccuracies related to my name, address, collection accounts, and inquiries on my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate, causing significant harm to my financial standing and personal privacy. 

I have followed the dispute resolution procedures as outlined by your agency diligently, providing extensive documentation and evidence supporting my claims of inaccuracies in my personal information, collection accounts, and inquiries. However, your organization 's repeated failures to correct these issues are inflicting substantial harm on my creditworthiness, financial stability, and personal data privacy. 

It is crucial to emphasize that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate personal information, collection accounts, and inquiries on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
Invasion of my personal data privacy. 
I hereby formally request that your organization takes immediate and resolute action to investigate and remove the inaccuracies associated with my name, address, collection accounts, and inquiries on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt removal of my credit report to accurately reflect my personal information, including my name and address. 
Removal of any collection accounts that are inaccurately reported. 
Removal of the inquiries to accurately reflect the true nature and source of each inquiry. 

Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the swift resolution of these issues. Kindly assist me to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX.
Product: Debt collection

Debt Collector : Security Credit Services XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Account Number XXXX {$1000.00} I received numerous letters from them about this debt. I was not provided with the original signed contract with my signature nor was I provided with apayment history associated with the account or proof of ownership of this account or verification of the original creditor. 

According to law 15 USC 1692 CC, " If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. Therefore, reporting to my consumer report is a form of communication. 
I have made attempts to dispute on my credit reports but it hasn't been removed from either of them.
Product: Checking or savings account

My complaint is about Truist bank. On XX/XX/XXXX I learned that Truist bank closed my account due to fraud that I didn't cause. My visa debit card was stolen and I needed a new card. The person who stole my credit card information also tried to deposit a {$4000.00} check. At the time I had over {$1700.00} in the bank account. I was told but the fraud department that closed my account that they wanted me to go into a bank branch to get my {$1700.00} from the bank. Unfortunately, the account was opened online and there are no bank branches in the state of California where I live. I even checked to see if there was a branch in Nevada, and there is not. At that time I requested a check be sent to my home instead as I was unable to find a branch anywhere near me and again the account was opened online. I was told the request for a check would be passed on to a supervisor and they would call me back to confirm. I never received a callback or a check. On XX/XX/XXXX I again called the fraud department to request a check and I was told it was impossible to send a check because the fraud department does not send checks. They again told me I had to go into a branch, even though I told them there wasn't a branch anywhere near me and the account had been opened online. They told me there was nothing they could do. I then called a branch in XXXX, Georgia as Truist could not tell me the closest bank to my house. They told me to search online where you can only search by zip code or city and state. I tried multiple cities in nearby states and there was no branch available. I then started calling major cities and found a branch in XXXX, Georgia. When I called the branch to see if they could cut a check I was told the request was impossible as I had to be in person to be validated and receive my money. I then called the trust hotline to see how this could be resolved and was told again I had to go into a branch. This is impossible for me to do. It is no way possible for me to go to a branch. Truist bank won't return my money from the account they closed. They had no problem taking my money but now they won't return it.
Product: Credit card

I applied for a Gold Credit card extending my own credit and they denied me for what's so ever reason. Violating truth in lending and XXXX. I was supposed to gain something and have nothing their is nothing equal about that. Congress said credit mean right granted. As such it should not be restricted or manipulated in unfair ways. TILA is to protect consumers from deceptive lending practices and that's what y'all are doing. The reference number is XXXX.
Product: Debt collection

I had XXXX, i had met all my outer pocket and deductible. This procedure was 100% paid for by my insurance. After the procedure, the doctor sent my XXXX  to a out of network company. Which i was billed this $XXXX medical bill. This medical bill belongs to the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   on  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  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  TRANS UNION I  WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Product: Credit card or prepaid card

Hello, On XXXX XXXXXXXX 2021, my email and and CITI BANK credit card info was compromised/stolen, at which point these individuals created three fraudulent XXXX listings. They then used my email info to setup an XXXX account and made three fraudulent purchases with my Citi Bank credit card info. These individuals went further to create three fraudulent UPS tracking # 's and submitted them as part of their shipping invoices to XXXX. 

On XX/XX/XXXX, I notified Citi Bank of the fraud, and disputed the three fraud transactions : {$37.00}, {$230.00}, {$330.00}. I also contacted XXXX fraud management on XX/XX/2021 and XX/XX/2021 via phone. -- XXXX verbally acknowledged the fraudulent activity came from a blacklisted IP address and the listings were bogus. I stressed to them the importance of stopping payment and cancelling these fraudulent activities. XXXX sent me emails to provide as evidence to Citi Bank. 

I presented Citi Bank evidence of XXXX recognizing the fraudulent activity ( email correspondence ), evidence that I was never shipped any items ( doorbell video ), along with the evidence that the fraudulent XXXX transactions were for items that were obviously labeled as fraud -- for example I was charged {$240.00} for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Of three fraudulent disputed charges, Citi Bank has refused to reverse 2 of them : {$37.00}, {$230.00}, -- and yet inexplicably reversed and credited me the third charge, of {$330.00}. No reasons as to their investigation findings, or why they would only credit one of the three disputed charges. All three disputed charges occurred at the same time, and with the same vendor, and with the same circumstances. 

I have prompted Citi Bank to revisit my case and review my disputed charges. I've provided copies of my XXXX correspondence verifying the fraud took place and yet Citi Bank will not acknowledge the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due XXXX. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not corrected the records as per my request in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Toyota motor credit Corp. put a negative action on my credit report when it wasnt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I spoke with a XXXX about providing me a goodwill adjustment on my late payment on XX/XX/XXXX for my humanitarian hardship. I was in the hospital for ongoing medical treatment and was late billing my bill. This is the only time I have been late paying since signing up for the XXXX XXXX XXXX. The representative stated that he updated XX/XX/XXXX late payment to good standing and XXXX would report the good standing to the 3 credit bureaus. The late payment is still showing up on my credit reports and I am asking that it be removed as promised.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX ( XXXX ) IS VIOLATING MY RIGHT TO PRIVACY BY REPORTING UNAUTHORIZED INFORMATION TO CREDIT BUREAUS XXXX AND EXPERIAN. ON XX/XX/XXXX, IN WRITING, I SENT XXXX XXXX AN OPT OUT NOTICE. ON XX/XX/XXXX I SENT XXXX AND EXPERIAN CREDIT REPORTING AGENCIES PROOF OF OPT OUT NOTICE AND WRITTEN INSTRUCTIONS TO REMOVE ACCOUNT FROM REPORTS. ALL XXXX COMPANIES ARE STILL REPORTING MY PRIVATE INFORMATION. 

COMPANIES ARE VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF 1974 -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE 15 UNITED STATES CODE 6802 `` OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! ENHANCED RECOVERY IGNORED MY Affidavit of Refutation, Notice & Demand CEASE AND DESIST DEMANDS! YOULL HAVE THE OPPORTUNITY TO SETTLE THE DAMAGES FOR LESS THAN THE INITIAL INVOICE THAT YOU PREVIOUSLY IGNORED ; SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). YOU WILL BE RESPONSIBLE FOR ALL COURT COSTS AND ATTORNEY FEES. BE EXPECTING NOTICE FROM MY REPRESENTATIVE AT XXXX XXXX XXXX XXXX IN XXXX, TX XXXX ; IF THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER ( 30 DAYS ). 

FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH ENHANCED RECOVERY SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. ENHANCED RECOVERY HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS ENHANCED RECOVERY ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. ENHANCED RECOVERY REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX XXXX. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. Equifax removed the account in XXXX and XXXX  and XXXX  was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called XXXX  and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.
Product: Credit reporting or other personal consumer reports

Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX co Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Unathorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account NumberXXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly XXXX.. 
Account Number:539176************ Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I Have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " to paid '' Under15 USC this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXX XXXX Account NumberXXXX This account needs to be validated. 
XXXX XXXX Account NumberXXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX  XXXX Account NumberXXXX This account needs to be validated XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 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: Checking or savings account

Wells Fargo reported an amount of {$5100.00} to IRS for tax year 2020, a payment which was not received from Wells Fargo Remediation Program. I've requested this error corrected to show no such payment received, denied, Wells Fargo reps claim check was cashed in my name. The item was cashed fraudulently, an affidavit filled out in re, investigated, the cashing bank, XXXX, will not release funds back to Wells Fargo... The IRS reporting matter remains unresolved, needs to be corrected to show no payment received for tax year 2020.