23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

I opened an account with suntrust bank on Wednesday night ( XX/XX/19 ) online. I had an insurance check to deposit for roughly XXXX on Thursday. I opened account to just start fresh with the amount of money which I was depositing. They explained possible holds on he check etc, and I agreed that was ok and what not. Friday morning I get from suntrust bc I signed mobile alerts via online banking that the check cleared bc it was local and insurance so easily verifiable. I went into the bank had to do a signature card to get money our which seemed normal. Took a small amount and went about my business. Later Friday I decided to check XXXX via online banking. Mysteriously I could not log in said my account had been restricted. I called and they really couldnt tell me anything but I was working so I didnt have much time. He told me I need to talk fraud department. So I noted it planed to call Saturday morning along with going into a local branch. I called on the way the guy told me that suntrust had needed the relationship between me and them keep in mind but could tell me any reason as to why or what happened but assured I could go into the branch and withdraw my money keep in mind it stated that all calls are recorded. I get to the branch and basically the lady to me that they lied to me to get me off the phone, that the issue still having no clue what it is and still dont have a clue was above branch level and she could not do anything. So I have no idea whats going on I made her call corporate hoping to get some sort of answer as to how to get my money and why they closed the account. Nothing. I was there for almost 3 hours. I called myself to this time telling me I had to wait 30 and they will mail me a check and I asked for fraud department, had me on hold for 1 hour and 48 minutes to have answer the call after I was transferred. 3 different stories I was told. With this being insurance check I have much that has to be paid for ASAP as its destroying my credit. All I want is to be able to withdraw my money. She told me if i had a refund after their investigation they would mail it to me??? We are talking XXXX if I have a refund? I just need help in this matter to get my Money from this bank that after reading reviews is not far from crooks. She could even give a paper stating what my balance or anything is, ridiculous. Please help asap
Product: Credit reporting

Dear CFPB, This is my second time submitting this information. After about 7 months of dealing with ID theft I had requested removal of the fraud alert on the Equifax file and enclosed all the required documents, which Equifax indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they left the fraud alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?
Product: Debt collection

To Whom It May Concern, I am writing to address my previous letter dated XX/XX/2024. I have noted a significantly lower balance on my account ; however, I have yet to receive any statements or gain online access to this account. It is important to remind you that, per the Consumer Financial Protection Bureau, your bank is obligated to provide the following : 1. An itemization of the current amount of the debt, including interest, fees, payments, and credits since a specified date.

2. The current amount of the debt at the time the notice is provided.

I have not received a statement since XX/XX/2024. This lack of communication is unacceptable and has left me no choice but to demand the removal of any negative references related to this account from all credit bureaus.
Product: Credit reporting or other personal consumer reports

I am requesting a proper reinvestigation on my dispute, when it comes to providing proof of the verify information. I requested proof of documents, bank statements, or some type of data. To show I was late or missed a payment. Yet they fail to do so, which is a big VIOLATION. I demand that this error be reversed to PAID ON TIME / NEVER LATE or OK on my credit report! I am writing to dispute inaccurate late payments entry, on my credit report as allowed under the Fair Credit Reporting Act, specifically referencing 15 U.S. Code 1681a and 15 U.S. Code 1681s-2. As per these laws, furnishers of information to consumer reporting agencies are obligated to provide accurate information and are prohibited from reporting information with actual knowledge of errors. Under 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. This implies that any information reported should be accurate and reflective of the actual transactions or experiences. Additionally, 15 U.S. Code 1666b further supports my right to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified discrepancies that do not align with my payment history and financial behavior. Specifically, there is XXXX Bank - XXXX XX/XX/year>, XX/XX/year>, & XX/XX/year>. I am formally requesting an investigation into these inaccuracies and urge you to correct the information on my credit report accordingly. I also request that you provide me with a copy of the investigation results and any actions taken to rectify the errors. Please be advised that failure to comply with the Fair Credit Reporting Act may result in legal action. I expect a prompt resolution to this matter and appreciate your immediate attention to rectifying these inaccuracies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( s ) that are incorrect : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX********* Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


4. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. 

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify any parties who have received my credit report in the past six months of any corrections made. 

Additionally, according to USC 15 1681i, if any part of the investigation does not confirm the accuracy of the disputed information, you must promptly remove or correct the information and notify all parties to whom the information was reported. I also request that you provide me with the following information as required under USC 15 1681g : The source of the information in dispute. A detailed account of your reinvestigation, including all supporting documents and findings. Notice of any changes made to my credit report as a result of your investigation. Failure to comply with these legal obligations may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal remedies as provided by law. I expect your prompt and complete response within 30 days from the date of this letter, as required by law. Please send me a written confirmation of the results of your investigation. Thank you for your immediate attention to this matter. I look forward to resolving this dispute swiftly. 


Thank you for your attention and assistance regarding this matter. 

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

I am exercising my right under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, to request that you exclude my information from any reports or disclosures provided by ChexSystems.

Additionally, I would like to bring to your attention the fact that, to the best of my knowledge, there has been no formal written instruction from me, the consumer, authorizing the furnishing or sharing of my information with ChexSystems. As such, I am concerned about the inclusion of my information in any reports or disclosures provided by ChexSystems without explicit consent. 
I kindly request that you promptly process this opt-out request and confirm in writing that my information will no longer be included in any reports or disclosures provided by ChexSystems.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told XXXX, XXXX, and Equifax to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.
Product: Credit reporting 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 Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Mortgage

Starting in XXXX of 2015, nationstar mortgage company claimed that we were {$3100.00} behind. We paid this in full through our local bank via wire transfer. They stated the foreclosure was no longer a threat. We resumed our regular monthly payments of {$720.00} for seven more months. Then they claimed that we were over {$10000.00} behind on our mortgage. Our records do not agree with what nation star has. At this time we went to our local bank to get help with refinance. Our banker pulled up our account through nation star online and discovered that our payments had been raised for the third time to {$1000.00}. We had not been notified of this payment increase. Our original line of credit is a fixed interest rate. Our payments went from {$630.00} to {$1000.00}. We have went to several local banks and private people to try and get help to pay nation star off. Nobody is willing to help us due to everybody being afraid of the foreclosure. Also we have discovered through the local deeds office that nationstar has 3 mortgages on our house. A local banker stated that no financial institution will help us with having 3 mortgages on one house. This backs us into a corner to where we can not get help to recover our house. Our attorney 's records show that one of those mortgages has been paid in full yet nationstar refuses to take one of those mortgages off the deeds list. They have changed lost of things within our loan which is illegal because they are just a servicer of our loan ... ... not the actual loan holder. They have also added an escrow that we have never had and that we never agreed to. Our banker or our attorney can not make sense of their bookwork or paperwork on our mortgage. It is just random numbers and letters that do n't state what they are for. They do n't even show when a payment is made or even the wire transfer that was made for {$3100.00}. They have offered us a modification but then denied it because of my self employment as a daycare provider. Our loan is a 10 year old loan with only 3 years left. The mortgage amount went from {$30000.00} to them {$49000.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report concerning an account reported by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable credit reporting. I have identified the following issues : XXXX. Inconsistent Account Details Across Credit Bureaus : Account Type Detail : XXXX and XXXX report Auto Loan. 
Equifax reports Recreational merchandise, which is inconsistent with the other bureaus. 
No. of Months ( Terms ) : XXXX reports 85 months. 
XXXX reports 72 months. 
Equifax reports 0 months. These discrepancies may lead to confusion for lenders reviewing the report.

2. Improper Reporting of Account Status : Equifax shows a last reported date of XX/XX/XXXX, while XXXX and XXXX both show XX/XX/XXXX. Such inconsistencies indicate a lack of synchronization and proper updates across bureaus. 
XXXX. Contradictory Payment History : All bureaus list the account as Closed or Paid with a {$0.00} balance, yet the payment history includes several XXXX late marks. If the account is resolved and paid in full, late payments should no longer appear unless they were valid and verified. 
XXXX. Equifaxs Misleading Comments : Equifax adds Closed or paid account/zero balance alongside Recreational merchandise, which differs from the comments on XXXX ( Closed ) and XXXX ( blank ). This inconsistency could mislead creditors. 
XXXX. Failure to Update or XXXX Disputes : If disputes were filed previously and no corrections were made, this XXXX indicate improper investigation and resolution by the credit reporting agencies. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The discrepancies in account type, terms, and status violate this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If disputes were submitted and the inaccuracies remain unresolved, this reflects a failure to investigate properly.

3. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The furnisher ( XXXX XXXX ) may be reporting inconsistent or incorrect details, violating the requirement to provide accurate information.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Late payments may be improperly retained, especially if they occurred more than seven years ago or are unverifiable.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to you to file a complaint that Transunion has failed to update my credit report to show NO LATE PAYS for the XXXX XXXX  credit card account, despite having received notice from the furnisher requesting that Transunion delete the 30 Day Late Pay ( from XX/XX/year> ), and despite the fact that the other two credit bureaus ( XXXX and XXXX ) DID delete or change said tradeline for XX/XX/year> to no longer reflect a 30 day late payment. According to the FCRA, the bureau are required to make changes provided by the furnisher and can not knowingly publish innacurate and derrogatory information about a consumer. 

I have provided as attachments all 3 credit reports as of XX/XX/XXXX and XXXX showing that Transunion is the only one that has not updated this tradeline. Moreover, I have also provided the written correspondence provided to me by the furnisher, XXXX XXXX that they contacted each of the three bureaus requesting a change.
Product: Debt collection

My father received a voicemail on XX/XX/XXXX from someone saying that they were looking for me and that it is regarding an order that was submitted to their office and that the voicemail serviced as a notice of legal action and that I needed to call them to provide my home address or my work address and they referenced a reference number and the phone number which to call them. I called because I was wanting to know what it was all about. Spoke to someone and they were really nasty and said that I owed for a phone purchased back in XXXX. I said I was unaware of owing anything to anyone and I have not received anything in the past 7 years. They kept badgering me about whether or not I purchased a phone and I kept saying I dont remember. They then told me that if I dont pay that they would sue me. They never provided me with information of them trying to get in contact with me or anything.
Product: Money transfer, virtual currency, or money service

I get a text message every day from Bank of America saying that I have money in my bank account and every time I go to open it up it turns out to be a service or something so I don't understand and they closed my bank account I had over {$740.00} in it so I don't know what to do and how to do it so thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate info for the same account on my credit report. 

XXXX- Balance is XXXX Equifax- Balance is XXXX XXXX- Payment Status is collection/charge off Equifax- Payment is 120 days late XXXX- Monthly Payment is XXXX Equifax- Monthly Payments is XXXX XXXX- Last Date Active- XXXX Equifax- Last Day Active XXXX XXXX- Date Of Last Payment XXXX Equifax- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent XXXX and Equifax both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account
Product: Consumer Loan

I 'm very aware of the FDCPA- I understand that I have a responsibility to pay my debt. Yet my creditor should never harass me. On multiple times have I gotten a text message, email an voice mail all in the same day. I 've spoken with them about there practices, they seem to think they within the law which allows them to call me three times in a day. One day I spoke with a rep, told him how unhappy I was with the aggressive attempt. I disconnect the call, he followed with an email subject " Thanks for hanging up on me ''. Please help!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint about cash app ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) SPECIFICALLY CASH App FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AN ADDRESS FRAUD ON THEIR PLATFORM LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED Furthermore, THEY'RE DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE AS IT DID NOT COMPLY WITH the error Resolution REQUIREMENTS UNDER THE ELECTRIC FUND TRANSFER ACT ( EFT ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent two dispute letters to Experian in reference to inaccurate information. In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 ( A ) states : I have a right to privacy 15 U.S.C 1681 section 607 ( A ) ( B ) Every consumer reporting agency shall maintain reasonable accuracy of report 15 U.S.C 1681 section 611 ( 5 ) ( A ) ; Treatment of inaccurate or unverifiable information
Product: Credit card

I am being charged with high interest rates plus late payment fees which are unfair