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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/ NOTICE OF ERROR AND OPPORTUNITY TO CURE WITH INSTRUCTIONS Overview It has come to my attention that account ( XXXX ) # XXXX, # XXXX, # XXXX reported three ( 3 ) times, # XXXX as well as 17 unauthorized uses in the form of inquiries that I discovered as well. So since 15 USC 1681 ( b ) states the reporting of my consumer report shall be fair and equitable to me, the consumer. That being stated, I would like for you to provide the documentation that has my expressed consent given even allowing you to allow anyone or any company to furnish reports on my consumer report or the documentation that has my express consent given allowing your agency to hold and distribute my private property. You are reporting inaccurate as well as unverified information pursuant 15 USC 1681 ( n ), ( o ) which holds your agency liable to me the consumer {$1000.00} per violation for failure to meet requirements of the law due to willful non-compliance as well the damages I have incurred due to negligent non-compliance, everything your agency is reporting is adverse toward me the consumer and if these issues are not cured within 72 hours from the reading of this notice an opportunity to cure by becoming fair and equitable on behalf of me, the consumer. I will be pursuing damages in small claims. I would like every account verified and reported accurately. I will be forwarding all correspondence to CFPB, FTC, Postmaster Inspector General, as well as the IRS. If your agency doesnt respond or perform within the time specified above i shall assume you are in agreement with the facts stated herein and will wire me XXXX as an out of court settlement for defamation, mental stress, financial hardships, violation of my privacy which is furnishing my PRIVATE information WITHOUT MY EXPRESSED PRIOR CONSENT which is a right recognized within 15 USC 1681 & 1692 consumer has the right to privacyunless your company or any of your constituents can produce such document ( s ) of me granting you or any of your constituents the permission to report inaccurate and unverified reports if such document ( s ) exist. Hopefully we reach an amicable resolution as this is done with clean hands and in good faith without prejudice. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX Authorized Representative
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 


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 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 Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

the account mentioned is XXXX XXXX it was opened frauduently. 
the amount of this account was {$2000.00} and is reporting that {$3100.00} is owed. 
I have reported to Experian several times with documentation pertaining to identity theft report from the federal trade commission, police reports and numerous other information. they continue to place this account on my profile even after it was blocked permanently because of info I provided. they paced this account back on after XXXX XXXX  provided them with minimal information about me. I did not open this account it was again opened by someone else not me.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent : XXXX XXXX - Inquiry Date : XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately. 

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  XXXX Account Number:XXXX
Product: Money transfer, virtual currency, or money service

We are a small new business in the service industry that opened in XX/XX/2022. We signed up through our bank with Merchant services to obtain a Credit Card reader under the Clover name. We were told that at times funds could be held during the first 3 months until we got proper history built. In the beginning we received a few emails stating funds were on hold and was asked for additional information before the funds would be released. These notices were sent via email to my address. On XX/XX/XXXX we noticed that we had not received any funds to our account and inquired to our support person at XXXX  XXXX XXXX. They said they would look into it for us. Time went by and still nothing was released until XX/XX/XXXX, and it was only a few hundred dollars, and not the thousands of dollars we were anticipating. We have been fighting with Merchant services and the clover support group and they are finally starting to release our newer funds here in the last 24 hours. It has been brought to our attention that they have held over $ XXXX of our funds for no reason and with no form of communication. Clover has been almost impossible to assist and has not given us any reason as to why the funds were held. This money is used to operate and support my business and staff. I have been taken advantage of and feel as if someone needs to reimburse me for all interest that money would have brought. This is Fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed late payments multiple times regarding XXXX XXXX XXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.
Product: Vehicle loan or lease

I purchased a Ford XXXX  from XXXX XXXX in Maryland. The loan was opened XX/XX/XXXX. Last four of the account XXXX. On XX/XX/XXXX I was diagnosed as XXXX  XXXX  by a Dr XXXX and put on XXXX. I didnt know what to do about my car because the doctor said I couldnt drive anymore. I reached out to Ford motor credit. I spoke with a Ford motor credit agent who said I could turn the car back in to Ford. Ford motor credit explained that they would send my car to an auction where it would be sold off. If the car sold for more than was owed on my loan. Ford would pay the car off and send me a check for the amount over what I owed. So agreed that this was the best solution since I couldnt drive anymore. I asked Ford motor credit if this would be a repossession my credit. I was told no. I was self surrender in the car back to Ford motor credit. I made arrangement for Ford to come get the car. I was worried that the DC government would ticket the car since the registration was up. I asked Ford motor credit if the could pick the car up from my cousins house Maryland. They had a drive way and the car would not get ticketed. Ford said okay and I supplied them with her address and left the key with my cousin and her husband. They took their sweet time but finally picked up the car. The car sold at auction and I received a check for the difference. Fast forward to the present and Im looking at me credit report and XXXX  is showing derogatory on the Ford motor credit loan. They are showing a repossession on the vehicle I called Ford motor credit about. And I was told it would not be a repossession because I contact Ford motor credit and did a self surrender of the car. Which got paid off needless to say now its on my credit report and I want it if. Im not sure whose not telling the truth here Ford Motor credit or XXXX. Left them figure it out but it out
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Mortgage

I received a Notice of Default today and was shocked. I am an XXXX yr old XXXX XXXX XXXX XXXXXXXX XXXX  and need to set up a phone appt with XXXX XXXX XXXX. I have been making my payments online since XXXXXXXX XXXX and my payment is {$1500.00} and I have been making payments of {$2500.00} and have guaranteed income for life The letter stated that I must pay {$9700.00} by XX/XX/XXXX which I can not do but at {$2500.00} a month I can be caught up by XXXX. 

Please grant me an extension until XXXX or XX/XX/XXXX PHH did not pay my taxes on time in XXXX and I received a fine they also charged me {$30.00} for a payoff notice which I did not order I must have hit the wrong key My health is XXXX XXXX and this has caused me unwanted stress. 

XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

My daughter gave me a Mastercard Debit Card ( it was either for XXXX XXXX XXXX ( XX/XX/XXXX or XXXX in XX/XX/XXXX ). I carefully put it away until I took my grandson out to lunch for his XXXX. Birthday on XX/XX/XXXX. The waitress said the card would not register the {$25.00}. I called Mastercard only to find out that US Bank National Association had retrieved all of the {$25.00}. They directed me to read the find print on the back of the card. In the fine print on the card it said that if it was n't used in 12 months they would deduct {$2.00} a month after 12 consecutive months of inactivity. The card read-valid through XX/XX/XXXX. There had not been 12 consecutive months of inactivity. Even if I received it in XX/XX/XXXX, I was using it in XX/XX/XXXX which would mean only 8 months of inactivity. I could not get them to answer why the money was taken out before the 12 months were up. I wrote a letter to Mastercard at XXXX, NY XXXX on XX/XX/XXXX asking them for an explanation as to why there was no money left on the card The letter was sent back unopened on XX/XX/XXXX. I know this must be a petty thing but it was embarassing and {$25.00} would have gone a long way in helping pay that bill. Plus the fact that they never answered my question about why the money was gone before the 12 months were even begun. This seems like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit reports there were several unfamiliar accounts and infromation listed incorrectly. I was subject to theft and or my information being compromised a while back, so im not sure if these accounts are the results of this compromise. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed transaction on XXXX for {$4500.00} on XXXX. I have canceled this scheduled service and have reached out to the company for a refund. They have not responded nor have I been issued a refund. No service was rendered. I called to dispute and was told a dispute was initiated on XX/XX/XXXX and I was told the agent ID XXXX worked my account, but the dispute was closed on the same day of initiation by the contact rep. The agent I spoke with on XX/XX/XXXX says the dispute was initiated correctly but the same day they sent a letter to me requesting more info ( ref no. XXXX ) they closed the dispute noting that the company needed the reason for the dispute on XX/XX/XXXX and this agent identified as XXXX. To be clear I provided them with all of the details relative to the dispute over the phone. Per the rep I spoke with on XXXX this was done incorrectly and the dispute is rarely if ever closed on the same day. He believes there was an error and that the dispute was closed prior to the dispute being worked by the dispute department. My dispute was never investigated, they never reached out to the company to verify cancelation of services, or try to verify any of the data I had given them over the phone. I was further told that the reps could not initiate another dispute, because we are now 60 days outside of the transaction date. The rep also told me they have no record or document of my response to their request for more information which was sent in mid XXXX. I was told to go online to file a dispute, however there is no option for an online dispute. I was told to use the secure message portal to send a message, however the portal is not allowing my message to go through. I have to write another letter and send it registered mail to ensure they handle this properly. The company appears to be grossly negligent with their Reg E processing, making it extremely difficult for the consumer to be able to file a dispute, and follow up on a dispute or may contact with that department. I continue to receive calls from their collection department because my account is now showing delinquent, and they never issued a provisional credit nor did they conduct any type of due diligence to ensure my dispute was investigated, or put any holds on my account to cease collections or contact to collect while this was being investigated. Please help me resolve this issue as this is grossly negligent for a financial institution of this size.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic such as failing to forward consumer-provided to evidence to furnishers, excepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I took a XXXX-year fixed rate mortgage with Wells Fargo about XXXX years ago, and have made many payments in advance ( sometimes, upto XXXX years in advance ) of the due date since I wanted to pay off the loan faster. Wells Fargo has chosen to treat these considerable advance payments as if they were made on the due date, and is refusing to give me credit for the " unearned / unaccrued '' portion of the interest. WellsFargo seems to be charging me equivalent of a " pre-payment '' penalty, which is statutorily forbidden in my State. I found another error in their calculation XXXX how the payoff amount was being calculated ), and Wells Fargo fixed that portion earlier.
Product: Credit reporting or other personal consumer reports

Ok I just found out I'm part of the XXXX XXXX that happened and just was settled. I've disputed several items over the last couple years and seen a couple strange items that I addressed and some were removed. My issue is now my score is lower than it should be because of so many hard and soft inquiries that wasn't me. And Negative accounts that aren't me. I've put in disputes with all 3 agencies but it is alot. I don't have any debt except for my car loan that it's. I just need to have items removed from my credit reports that I'm not responsible doing. It's affecting my interest rates and me even opening a credit card account. I never got anything from XXXX in the mail, by email or by phone alerting me about the breach years ago Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

A fraudulent charge was charged to my account XX/XX/XXXX. I called and let Chase know that I had not authorized the charge. Chase immediately closed the card and issued me a new one. At no time did Chase warn me that Chase could have given my credit card number out. At no time did Chase tell me that it planned to give my new card number to anyone. If I had known that, I would have closed the account. Chase claimed to investigate the fraud and removed the charge. 

I called Chase the first week of XX/XX/XXXX to close the account. I was offered a special interest rate to keep the account. I never got the special interest rate and was transferred around and was not able to cancel the card. 
I did not use the new card. No one knows the new card number but Chase as I put it away. 
The same fraudulent charge appeared on the account in XX/XX/XXXX but Chase misrepresented the date they posted it on the XXXX statement as XX/XX/XXXX. XX/XX/XXXX of XXXX has not occurred yet. This charge was clearly a mistake. I reported the fraud again. Chase immediately responded without investigating, saying that it would accept the charge. I asked for the information about this alleged company : the physical address, working phone number that allowed speaking to a human, an account number or description of services or date the service was supposed to have begun or the address of service. Chase gave no information. 

Chase defrauded me on the phone when I called and reported the fraud in XXXX. Chase told me at the time at the end of XXXX that it would investigate the fraud. There is no evidence that Chase ever investigated the fraud in XXXX. 

Chase defrauded me on the phone when it said that it was sending me a new card without disclosing Chase 's intent to give my new number to anyone. 

Chase defrauded me in XXXX when it refused to close the account, offered a lower interest rate it did not have available to offer, in an effort to keep the card open so it could continue giving my account number out to scammers. 

Chase did not disclose the terms of having the card open in the first place. Chase never told me that it would give out my account number to anyone who asked for it to charge me money. Chase never said that it would act as a debt collection agency. Chase never said that it didn't really investigate fraud. In fact, Chase has advertised that it has a fraud department that investigates fraud. In this case, Chase never investigated the fraud.