23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumeedr rights have been violated. 
Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case. 
I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified. 
I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandeted by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 

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

On XXXX - XXXX - XXXX  I XXXX XXXX XXXX filed a complaint with you guys the CFPB about incorrect information on all three of my credit reports. I submitted documents showing numerous violations that are being reported and accounts that are duplicates. There are also accounts being reported by two different companies that are the same accounts. I have contacted these companies XXXX, Experian, and XXXX about the situation, and have been ignored. Knowing you guys ( The CFPB ) are over these credit bureaus, I would like to know why you guys are and enforcing the Laws that were put in affect by the Federal Government? Under 15 USC 1681n ( a ) ( 1 ) ( A ) The law states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I have sent numerous documents and pictures showing the violations and inaccuracies stated on my report. After calling numerous times and sending certified letters to these bureaus, Nothing has been done to correct the action or reimburse me for the damages caused by these bureaus. i have been denied credit, home mortgages, and car loan due to my credit. I request that the CFPB holds these credit bureaus accountable for their misleading actions against me. I have had to pay a higher interest rate on my credit cards as well. As a XXXX veteran I have yet been unable to purchase a home for my wife and my XXXX son. All I ask if for you guys to do the right thing and for me to be treated fairly as a consumer. I have proceeded to contact my State Representative and my State Senator on this matter. On XXXX - XXXX - XXXX I XXXX XXXX XXXX called the CFPB to disguise the situation i am facing with these credit bureaus, and the lady that I personally talked to told me there was nothing they could do for me and my situation because i was just one consumer? She stated there has to be more than one consumer in order to show a pattern before the CFPB will get involved. In other word as an individual consumer my problems means nothing to the CFPB. I was astonished by the words this woman said to me. I hope this is not the way the CFPB protects its consumers. As a consumer I have the right under federal and state law to be protected from such companies as these credit agencies. I will continue to proceed with letters to my representatives and toward litigation if nothing is done about my situation. All i ask is to be treated fairly like all consumers should be. Thanks again for your time and i hoope to hear back from you guys about my situation.
Product: Credit card or prepaid card

I was sent a debit card that I did not apply for US Bank reliacard
Product: Credit card or prepaid card

XXXX offers a special event payment program where the payments can be deferred up to 12 months. The payments have not been applied properly for the past two months. The payment allocation should be first to the revolving balances and then to the special event program. I was informed by XXXX that I will have to call every month to have the payments applied properly. 

Interest charges have been levied to the revolving account balance inappropriately. I have paid the revolving account balance in full each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuously reporting inaccurate information on my credit report. Equifax claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never asked for a fruad alert to be placed on my credit ... I have went threw different measures to get it off my credit, Ivhavecwrote a letter and called and still no removal please remove the alert from my credit report
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX data breach in XXXX I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXXXXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the XXXX data breach in XXXX as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with Experian and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XX/XX/XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian and XXXX for XXXX XXXX XXXX ( below ). Due to the fact that no legal proof was produced to verify this late payment on XX/XX/XXXX, this account must be deleted immediately : Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? The only legal verification for this supposed late payment onXX/XX/XXXXwould be for you to furnish XXXX XXXX XXXX  statement proving when my payment was accepted. Congress states in XXXX XXXX XXXX XX/XX/XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

This account must immediately be deleted at once, in consideration of the fact that you never legally verified this unverifiable late payment. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Credit reporting or other personal consumer reports

i am writting to formally report identity theft and to request the removal of inaccurate, fraudulent, fraudulent inquiries, incomplete, negative, and outdated items from my credit reports. SECTION 623 ( a ) ( A ) According to my rights under the Fair Credit Reporting Act ( FCRA ), i am entilted to disupte andcorrect any erroneous information that adversely affects my credit standing. The fraudulent activity has severely impacted my credit, and i seek prompt resolution to rectify this situation. Please conduct a thorough investigation and remove the incorrect entries from my credit reports as per the provisions of yhe FCRA. thank you for your immediate attention to this matter. 
Accounts Affected
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance LLC, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX closed this companies profile due to numerous consumer complaints. Not only has Exeter charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Current Employer : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my XXXX and TransUnion credit reports dated XX/XX/2023. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a XXXX  XXXX account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that XXXX XXXX takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both XXXX and TransUnion credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that XXXX XXXX will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Cash app had my account for theses XXXX yr on hold I can not get
Product: Debt collection

wells fargo claims I have an installment loan. I do not. I closed by accounts at Wells Fargo years ago. It refuses to do anything about this unless I disclose private information to which it is not entitled. I want the bank to correct its error and to never contact me again.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments on my credit report : List Name of the accounts with late payments along with their account numbers.

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Also, I'd like to point out that you are reporting inaccurate information on my consumer report.

( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; 15 U.S. Code 6801 - Protection of nonpublic personal information : ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Delete the student loans from my consumer report. I did not give my written or oral permission to put them on my consumer report. Failure to do so in 30 days will result in legal civil action. 
Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15.u.s.c 1681 a persona shall not furnish any information about a consumer if the person knows or has reasonable cause to be inaccurate i have several inquires on my report that does XXXX belong to me and needs to be removed immediately inquiry date : XXXX XXXX XXXX  inquiry date : XXXX XXXX INQUIRY DATE : XXXX, XXXX; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Starting in XX/XX/2020 Bank of America opened an escrow account on my mortgage account charging me an extra {$270.00} each month. I pay my property taxes and home owners insurance separate from my mortgage and I did not approve for an escrow account to be created. My monthly mortgage payment is suppose to be {$730.00}. I see many lawsuits online about Bank of America creating fraudulent escrow accounts on mortgages with the clients consent. I have call Bank of America over XXXX times about this matter and no one ever picks up the phone in the escrow department. They do not provide you with a direct number to the escrow department and no other group has a phone to this department. I sent them a message about this matter since my phone calls did not resolve the matter. They sent me an escrow analysis for my account but I should not have had an escrow setup for any reason,
Product: Credit reporting or other personal consumer reports

You lied and said I never submitted proof of identity so you denied my data breach/ identity theft request. That is a lie. Please block the accounts stated in my dispute letter from my credit report immediately since XXXX business days already passed or we will be pursuing litigation. CFPB already informed me that yall have been illegally doing this for years. They also informed me that I should sue you. Please dont make this necessary. I have already lost over {$10000.00} due to this reporting to my report inaccurately due to data breach.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX, and I recently encountered an issue with my Wise account. I created the account to transfer money to freelancers working for me in various countries. My registered email with Wise is XXXX. Everything was going smoothly until Wise requested at least three months of bank statements. 

At that time, I could only provide two months ' worth of statements from my XXXX XXXX  account, which I promptly submitted. I requested a few more days to generate the third month 's statement, and Wise initially agreed. However, without any further notice, they abruptly closed my account, leaving me without any right to appeal or reinstate it. 

Whats more frustrating is that theres no available support or email address to contact Wise after the account closure, as all support is only accessible within the account itself. 

This situation feels extremely unfair, and I need assistance in addressing this matter.