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

I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation.

Details of the affected payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit card

I opened a CareCredit account with Synchrony Bank through my XXXX XXXX I was told no interest for 2 years. I have been making payments. I got my balance down to {$1900.00} and then on XX/XX/XXXX they charged {$2400.00} in interest. They are telling me the balance had to be paid off in XXXX to avoid accumulated interested. However, they don't set up the monthly payments to meet that goal so you think everything is ok but it is not. My balance is now {$4300.00} and I believe I only charged XXXX at the beginning. So now I owe more now then I ever did. I can't check because I can't access all my statements or review the transactions going back for more then 12 months. The program is very misleading. They should have made it very clear in XXXX and XXXX that I need to pay off the balance or an balloon interest charge of XXXX XXXX XXXX XXXX XXXX- was going to added to my account and they did not do that. They do not clearly tell the consumer that there will be a balloon interest payment. They do not give you any notice that the deadline is approaching to pay off principal to avoid balloon payment charge. 
I offered to pay principal balance and have interest waived and they rejected that suggestion and said " sorry ''. Carecredit does not CARE about anyone. Horrible business practice. They actually sent me a promotional e-mail XXXX to get me to spend more on card at XXXX instead of notifying me of what they are doing my account. Unbelievable. I logged in to the account in XXXX to make payment and that when I saw the balance. Very deceptive business practice. They are requiring payment for {$140.00} in this month but charge {$100.00} in interest. Is that legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. Equifax and XXXX refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit
Product: Mortgage

My wife and I are looking at buying a home in North Carolina and our real estate broker recommended we be pre-approved. We secured a pre-approval with XXXX, with which we have XXXX year history with and it included running our credit report. We asked for an appointment with a builder in NC called XXXX XXXX. Their salesperson XXXX XXXX required us to use their mortgage company, MTH and emailed a link. She stated in an email that we would be REQUIRED to be approved by their mortgage company before going under contract. My wife and I have over XXXX credit scores and a long history of loans and deposits with XXXX and do not want to be forced to use a builder 's mortgage company. I have an email chain documenting the demand from the builder.
Product: Debt collection

Speedy Cash sold my debt to XXXX  XXXX XXXX XXXX. Without my consent. XXXX  XXXX XXXX XXXX does not have a contract with my wet signature on it. Also this same debt is being reported as {$860.00}. Which the original debt is XXXX. This Collection accounts balance has increased. Which is a clear FCRA Violation. Ive disputed this Collection account on numerous occasions. XXXX  XXXX XXXX XXXX sent me paper work via USPS. Without a wet signature on the Suppose contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7
) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate. 

I've also reached out to the furnisher myself and they mailed me back a letter stating they didn't know what I was disputing so how is that you verified these items that are still showing inaccurate information. Please see attached letter for my proof
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00XXXX XXXX XXXX XXXXXXXX Balance : {$27.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX v. XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a loyal Wellsfargo customer for XXXX decades and recently became a victim of fraud while banking with this institution. I recently had " device interference '' in which my username and password were used and I was contacted by a scam artist. 
On XX/XX/XXXX at XXXX I received a call from a man claiming to be from Wellsfargo. My caller ID said Wellsfargo and he was able to send me text messages from Wellsfargo to confirm that he was legitimate. After reviewing fraudulent charges, he told me that I needed to reverse a wire to myself at which point I unknowingly transferred money to a dummy account which was not mine. I immediately contacted Wellsfargo once I realized this ( at XXXX MST ). 
It took the fraud team over FOUR hours to contact XXXX  XXXX XXXX ( the recipient bank ) and recall the wire. At which point the money was transferred and withdrawn and now my case is " no longer fraud ''. 

The wire was completed at XXXX. I reached out to Wellsfargo at XXXX. 

Wellsfargo did not request that the wire be frozen until XXXX ( this is according to their call notes ) They did not receive confirmation of the request from XXXX XXXX XXXX until the morning of XX/XX/XXXX at XXXX. 

At this point the money was gone. 

It is also at this point that Wellsfargo decided that my case was no longer fraud since I had given the person my username and password ) which is completely untrue. My account was hacked because I did not have XXXX factor authentication I find it suspicious that Wells Fargo decided that this was no longer fraud after the wire was not retrievable. 

I have contacted Wells Fargo 's call centers dozens of times only to receive a different reply and be pushed onto another representative. I feel that if this would have been acted upon with more urgency all of this would have been avoided.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> customer sent me {$21000.00}. This is not the first time he sent me this amount, first time, on XX/XX/year> I get the money next day. Now, my bank ( wells Fargo ) being holding the money for almost 2 week with the excuse that they need some personal information from my client. And I was told I can not get the money if they don't have that information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I opened both a checking and savings account with JPMorgan Chase due to a promised bonus of getting {$200.00} for a new checking account, and {$150.00} for a new savings account. To meet the initial deposit requirement, I deposited {$250.00} into the checking account on XX/XX/2019. I initiated a transfer of {$10000.00} on XX/XX/2019 from an XXXX account to the JP Morgan Chase savings account ( due to the requirement of {$10000.00} being deposited into the account within the first 20 days of the account being opened ). I was notified both of my accounts were suspended on XX/XX/2019 via attempting to sign into the Chase Application. I called JP Morgan Chase XX/XX/XXXX and they insisted I visit a branch to prove I had the money in my XXXX account. I met with a banker at a JP Morgan Chase branch location on XX/XX/XXXX. I proved my XXXX  account had sufficient funds ; per the bankers guidance ( I have his business card ) I reinitiated the transfer. I was ensured my account was no longer suspended at that time. 
On XX/XX/XXXX I was notified my accounts were again suspended and my accounts would be closed via the Chase App and upon calling JP Morgan Chase directly after receiving the notice. I also received a letter dated XX/XX/XXXX that my accounts with Chase bank were suspended and closed and that I would not be notified as to why, ever, " at any level ''. At that time I had {$230.00} in my chase checking account, and {$0.00} in my chase savings account. I was ensured via the written letter that no transactions, debts, or transfers would be completed. I was ensured via a phone conversation on XX/XX/XXXX, that no transfers would be completed and that the {$230.00} would be sent to me via a written check. No date was given for the check to be received, even upon request. I have no direct access to my accounts with Chase and have not been able to access the information regarding the suspended checking, savings account, as well as my credit card. 

On XX/XX/XXXX I transferred the {$10000.00} from my XXXX checking account to my XXXX savings account due to the information that the transfer would not be completed per JP Morgan Chase 's both written and verbal communication. On XX/XX/XXXX Chase bank withdrew from my XXXX account, {$10000.00} thus over drafting my XXXX account and thus forcing XXXX to freeze all of my accounts. I am now locked out of both banks. Upon contacting Chase immediately upon seeing the debt from the XXXX account, on XX/XX/XXXX they said that they haven't received the money, but " should '' they receive it- they will send it back within 4 business days. I asked for this in writing, and they refused. I asked if this is a policy, they said no. I do not have faith that Chase bank will return the money to my account- I believe this to be attempted theft. I contacted XXXX bank. They have frozen my accounts and due to the {$10000.00} being transferred between two XXXX accounts I am now deficient {$20000.00}. I have incurred " Overdraft fees '' with my XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Bankruptcy, Reference # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated, but how is that possible if the Last Date Verified is inaccurate, the Date of Last Activity is inaccurate, the date Opened reported is inaccurate, the Account Status is reported inaccurate, and Creditor Remarks is reported inaccurate. This is grounds for removal in addition to violating my rights : 15 U.S.C. 1681 Section 602 A, States I have a 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 instruction.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

A few months ago I had fraud on my American Eagle credit card. Shortly after I was no longer able to see my account online. I attempted to resolve this with customer service but they did not help me. My most recent chat XXXX did not assist me either. I have not seen my account for months and I'm not getting statements either. I have attempted multiple browsers and a mobile device to no avail.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX