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 I am writing to initiate a formal legal dispute regarding the erroneous reporting of collection accounts on my credit report, which is in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623. These statutory provisions mandate the re-investigation of disputed information and the accuracy and integrity of the information furnished. 

Erroneously Reported Account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Per Sections 611 and 623 of the FCRA, I demand a thorough and expedited re-investigation of the aforementioned entries and insist on the correction or deletion of these inaccuracies from my credit report. Should these entries be verified as inaccurate, it is your responsibility to rectify such information promptly.

Please be advised that failure to address these errors satisfactorily and expediently may be viewed as willful non-compliance with the FCRA, thereby subjecting you to potential legal action. 

I request immediate rectification of these inaccuracies either by removing or correcting the disputed collection entries. I further demand written confirmation of the changes made to my credit report upon the conclusion of this matter. 

I expect your immediate and thorough response to this dispute within the statutory 30-day period as required by the FCRA. 

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

In accordance to 15 U.S CODE 1601 ( charge off ) ( late payments ) XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX I was at Key bank locatedXXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX who I deal in this bank for over 15 years offer me their Credit card and told me if I spend {$1000.00} in the 1st 60 days I will get {$150.00} & 2 % for all my purchas. I complied with the promotion, and called about my money, they told me will take 60 days. I called again in XXXX was told in 90 days I will get my {$150.00}. Called several times this month and went in person and XXXX XXXX told me I don't see the promotion that she offer me and they are trying to resolve the situation. I was told she will call me with a resolution. No calls back no money in my account. I did not need any additional credit card, I was mislead to get key bank cc. 
I been a client in this bank for over 15 years and do not appreciate lies. 
I do believe if she make a mistake the bank still should be responsible for what i was promise.
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all the bureaus to get these fraudulent accounts and inquiries off my report but nothing has changed at all. 

In accordance with the Fair Credit Reporting act they have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I reached out to them and spoken to a rep who stated that if I paid off my car they would also delete the late payment history as well. 

XXXX XXXX  Date Opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act 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 XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act 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
Product: Prepaid card

To XXXX XXXX & Blackhawk Network : I wish to reach out to you at the corporate for help regarding four ( 4 ) of {$200.00} XXXX Gift Cards that are NOT activated in XXXX XXXX store # XXXX located in XXXX, TX where I purchased & paid for on XXXX While I did return to the store earlier today, XX/XX/XXXX, simply asking for activation of those purchased GCs, the store Manager named XXXX acknowledged the issue with the activation process after confirming with the GC issuer, however, I was informed that the store awaits an escalation from both corporate offices to see how it should be done for a resolution. Again, I simply want the proper activation for the GCs I already paid for, so they can be used in store and/or online. Thanks in advance & look forward to a prompt reply & resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove XXXX XXXX XXXX off my report. I have been asking them for over two years to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and  and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I  received a letter from the United States Bankruptcy Court stating  that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. I would like to have the judgement removed  immediately   to to the fact it was obtained illegally and purchased from a third party agency illegal. Thank your for your support.
Product: Credit reporting or other personal consumer reports

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Experian that a new installment loan was opened in my name with a company named XXXX XXXX XXXX This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, 3 for {$44.00} and 3 for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX  XXXX department. I have reached out to Experian to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to XXXX XXXX in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with XXXX or loan account open so there is no way for me to speak to someone directly about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX, PA XXXX To whom it may concern, I am writing to delete the following 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 enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt. 



It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX Amount : XXXX Account Number : XXXX Fraudulent inquires XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA information on my credit report should be accurate. The names and addresses listed below should be removed from my credit report. enclosed will be my current Driver License with my name and address that should be shown on my credit report. 

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: Money transfer, virtual currency, or money service

I had multiple accounts with PNC. Today, I logged into my account to deposit a check only to find that all but XXXX of my accounts have fully disappeared from my profile along with my money. I did not authorize any closure or transactions. After signing out and signing back in multiple times, I realized this is not a glitch but theft by PNC. I messaged a customer care representative through the app. XXXX could neither troubleshoot the issue nor restore my accounts. I dont know where my money is and that makes me feel very vulnerable and afraid. No financial institution should ever do this to their customers. Nobody should ever go through this.
Product: Credit reporting or other personal consumer reports

I contacted XXXX on XX/XX/XXXX around XXXX XXXX  and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me five questions and secured the account within three minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXXXXXX  us and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account in question shows on my credit report twice with two different names 1. It's shows as XXXX account # XXXX it shows up close 2. XXXX has this same account open XXXX both accounts has a balance of {$460.00} and FCRA states a closed account shouldnt have a balance attached to it also Experian has this account closed and XXXX has this same account open witch is a inaccurate and should be removed the FCRA states that all inaccurate accounts should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX XXXX XXXX I am writing in regards to my account with your institution. On a previous occasion, I requested proof of XXXX late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act. 

In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late payments. As such, I am demanding the immediate removal of all associated late payments from my account. 

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report. 

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion. 

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.
Product: Credit card

I have XXXX accounts displaying on my credit report that were not opened or authorized by me. I have sent a dispute letter and police report to have these accounts removed from my credit report. 

In addition, I have the following inquires that I did not approve or request credit. I have filed a dispute to have them removed asap. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I noticed that Axcess Financial/ Check N Go its reporting on my consumer reports as a charged off account that is damaging. Axcess Financial/ Check N Go is required by law to send a Form 1099-C to both me and the IRS. By failing to provide me with the proper documentation has created complications for me with the IRS. I would like to see accounting records in is proper documentation no billing statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Report number # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Louisiana XXXX Equifax, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX Ss # XXXX Subject : Request for Reinsertion of Previously Deleted Information under FCRA Report number # To Whom It May Concern, On [ I disputed an account reported by [ XXXX ] account # XXXX ] Ss # XXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Date of last report : XX/XX/XXXX Creditor : XXXX ] report number # XXXX XXXX XXXX Ss # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La XXXX
Product: Debt collection

was contacted by Nelson & Kennard Attorneys at law. XXXX XXXX XXXX, XXXX CA, XXXX attempting to collect from me {$2800.00}. That debt is not mine, neither the address where this letter was sent to.
Product: Checking or savings account

A new practice has developed at Truist bank that is clearing checks in the middle of the night. I guess the Reserve transfers the check copies over to the banks at night and when Truist receives the check copies, the checks are cleared with the previous days date, although the day to me has been closed. The process to help people not bounce checks has been established the deposits credit first. In this way, if you see an amount pending, a deposit can be made and avoid overdrafts. This practice of clearing checks between normal business hours means that I can check my account at XXXX and have a positive balance, but get an alert at XXXX am that my account is overdrawn. Immediately, the bank charges a fee for NSF and dates the check cleared as the day previous. If the check were dated on the actual date of the XXXX am day, then I would get a notice that I have a PENDING NSF balance and would have a business day to make a deposit. In short, I feel like the bank has a notice with a time posting that specifically states that transactions after closing ( might be XXXX pm ) will be processed the following business day. It only seems to follow that also debits posting after the specified time should also post on the following business day.
Product: Money transfer, virtual currency, or money service

I am a customer of TransferWise ( now XXXX ) ( Membership XXXX ). I submitted two transfers that have the same recipient : # XXXX on XX/XX/XXXX, XXXX XXXX  # XXXX on XX/XX/XXXX, XXXX XXXX  All funds in XXXX are supposed to arrive in one working day. But there are significant delays. I have contacted TransferWise every morning and every evening in the last two weeks. But no progress was made. On XX/XX/XXXX, TransferWise received the requests from their banking partner XXXX.XXXX, then they replied and sent the information to XXXX.XXXX  on the same day. Till now XX/XX/XXXX, I still did not receive any updates on the two transactions. It's easy for TransferWise to contact XXXX.XXXX directly to follow up on the progress, to see the current status of the two transfers and whether there are other issues that cause the delays. But they don't do anything and just wait. Even if I told them the funds from these transfers are in urgent need, they kept telling me that they have already sent the requested information to the bank and asked me to wait. They did not provide me any updates and are not willing to contact XXXX.XXXX  again to see what happened. 

My family moved from U.S. to XXXX this XXXX. All the funds are from our own savings and are used for our house downpayment in XXXX. Because of the delays, we can't provide the down payment on time, and we will lose XXXX security check as well as our first dream house in XXXX. We feel frustrated every moment in these two weeks. 

Please ask TransferWise to address the issues with their banking partner XXXX.XXXX  directly, and have the recipient receive all the funds as soon as possible. We don't want any delays.