23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.
Product: Checking or savings account

WELLS FARGO SAID I HAVE BEEN A MEMBER SINCE XXXX. NEVER OPENED AN ACCOUNT WITH WELLS FARGO IN XXXX. HAVE A CURRENT ACCOUNT WHICH WAS OPENED IN XXXX AND WHEN I RECIEVED MY DEBIT CARD ON THAT CARD IT SAYS MEMBER SINCE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from my Affidavit report attached )
Product: Credit reporting, credit repair services, 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. 

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

A check was received by the company on XX/XX/XXXX and it still shows as not paid on my report. The company hasn't responded to me I paid the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting

i contacted Equifax online and filled out a dispute about a reported account in collections that is not mine. when i submitted the form they said they cant process it. they stated that i had loans out in the multiple choice questions which i checked 'none of the above '. i have never had loans out. they said that the information did n't match their records and prompted me to fax my drivers license. they did n't give the option to email a copy. im very tired of getting the run-around. attached are the disputed reports. the collection agency said to dispute it with Equifax.
Product: Credit card or prepaid card

The credit card goes under the name " Care Credit '' and it offers deferred interest arrangements for medical-related expenses ( with participating providers ) as well as standard credit purchasing for all other items. 
On XX/XX/XXXX a purchase was processed for services from XXXX XXXX XXXX for the amount of {$1200.00}. They did not participate in Care Credit 's deferred interest program so it qualified as a standard credit card purchase. 
On XX/XX/XXXX a credit card payment for {$1200.00} was applied to the account. On XX/XX/XXXX the monthly minimum payment of {$310.00} was applied to the account. 
The concern is that Care Credit did not apply the {$1200.00} payment to the highest APR balance in the card. Out of the total balance on the card, only the charges from XXXX XXXX did not fall under a deferred interest plan. 
Care Credit invoices showed that after the {$1200.00} lump payment was processed on XX/XX/XXXX, the balance subject to interest charges was listed as {$1100.00} on the XX/XX/XXXX invoice ( up from {$0.00} on the XXXX invoice ) and it INCREASED to {$1100.00} in the XXXX invoice. The closest deferred interest balance to expire is until XX/XX/XXXX as of the XX/XX/XXXX invoice. Care Credit simply applied my lump payment to a deferred interest balance and is charging me compounding interest on something I paid off within XXXX weeks of purchase. 
When I tried to contact Care Credit, I was first given a generic answer that the charges were valid. When I tried to escalate, I was then informed that the account was placed on fraud alert and I could not ask further questions or dispute the interest charges unless I went through a thorough online vetting process. It feels like unnecessary inconvenience and retaliatory behavior for questioning their charges. Can you please help? 
Note : I requested a change to the monthly billing due date on the account. This change caused the XXXX Invoice to be rolled up into the XXXX invoice to adjust to the new billing period.
Product: Credit reporting or other personal consumer reports

I write to Experian, XXXX and XXXX to again DISPUTE my XXXX XXXXXXXX XXXX XXXX XXXX XXXX  accounts AND request that you include the below CONSUMER STATEMENT for Each of the XXXX XXXX  accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX  accounts incorporated with data for each of the XXXX accounts. I have filed numerous disputes for over 9 months with every CRA and directly with XXXX disputing each of the XXXX accounts. However, every time the required DISPUTE status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi million dollars per account. In XX/XX/2023, I filed multiple consumer demands with the XXXX XXXX XXXX ( XXXX ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Synchronys arbitration agreement. I have attached multiple letters from XXXX to evidence arbitration cases along with pages XXXX, XXXX and XXXX of each claim regarding federal jurisdiction about liability if matters were filed in a XXXX XXXX XXXX. XXXX has retained counsel and the multiple AAA cases are awaiting fee payments to XXXX by XXXX plus its Answers due shortly. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed and failing to report the date of account closure by consumer. Please investigate and update your reports and delete accounts to mitigate damages. I will surely XXXX CRA records so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX accounts. XXXX STATEMENT For each of my XXXX XXXX XXXX XXXX, XXXX  is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. In XX/XX/2023, I filed multiple XXXX page Consumer Demands with the XXXX XXXX XXXX XXXX XXXX XXXX detailing specific calculations of its multi-million dollar liability for each account. XXXX cases are pending awaiting payment of billed AAA fees and Answers in each case by the AAAs deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the XXXX or JAMS against violators pursuant to arbitration agreements or otherwise in XXXX XXXX if no arbitration provisions exist.
Product: Credit card or prepaid card

In the beginning of XXXX I got an offer to apply for an Exxon Mobil Smart card and receive a savings of {$0.00} off per gallon of gas every time I fill up for the first 2 months, as long as I pay with the card linked through the Exxon app. I received the card on XX/XX/21 and linked it to my app. I then filled my tank using the card linked through the app as payment. The price of gas at the pump was {$3.00}. Using this payment method my cost per gallon was {$3.00} This was a savings of only {$0.00} and not the advertised savings of {$0.00} per gallon. I have emailed the company about this and gotten no response. I am linking a screenshot of this offer which can be found at XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries are not mine. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} Fraudulent Inquiry : XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts are not affiliated with me nor are they authorized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of all three of my credit reports, and noticed several inaccuracies on my Experian report only. These INACCURATE accounts are hurting my ability to obtain credit. It is my understanding that CFPB will investigate these items for me to ensure accuracy. This are NOT my accounts. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX , I was under the impression that I entered into a consumer credit transaction when I provided the person. 
Wells Fargo XXXX XXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX my information.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ( account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Negative Reporting from Credit Bureaus Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding negative reporting on my credit report that I believe is unjust and detrimental to my financial well-being. 

My name is XXXX XXXX XXXX, and my Social Security Number is XXXX, last four digits : XXXX. I have been monitoring my credit reports from the XXXX major credit bureausXXXX, XXXX, and XXXXand have identified negative entries that should be removed. 

I am upset due to the XXXX negative reports on my credit from all XXXX reporting agencies. For example, I have a Collection/Charge off from XXXX XXXX XXXX for the month of [ XXXX, XXXX ], which I believe is inaccurate due to 15 USC 1681b I have taken steps to resolve this issue directly with the creditors involved, including multiple letters and calls. Despite my efforts, the negative reporting remains on my credit file, adversely affecting my credit score and ability to secure loans. 

According to the Fair Credit Reporting Act ( FCRA ), I can dispute inaccurate or incomplete information in my credit report. I kindly ask for your guidance and intervention in this matter to facilitate the removal of these negative entries from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt response. Please contact me at XXXX or email me at XXXX if you require any additional information. 

Thank you for your assistance. 

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

Ive called the company multiple times no resolution. Stated will call back they never do. Reach out to all credit bureaus and they tell me to dispute, which I have numerous times and no change. The charge off account has been continuously reported since being charged off XX/XX/XXXX. It Also is showing inconsistent balances across the bureaus! XXXX has the account to be opened XX/XX/XXXX, collection/charge off high credit of XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. XXXX has the account to be Paid and opened as of XX/XX/XXXX high credit XXXX payment status unknown last active XX/XX/XXXX last payment XX/XX/XXXX. Equifax has the account to be derogatory and opened as of XX/XX/XXXX high credit XXXX, collection/charge off last reported XX/XX/XXXX last active XX/XX/XXXX last payment XX/XX/XXXX. The account has been settled for less than original amount but a balance still reflects the file. This account has caused me XXXX of dollars, a job and the ability to purchase bc of adverse history.
Product: Credit reporting or other personal consumer reports

Experian is showing 3-4 different scores, also providing inaccurate information preventing a fair credit report. Disputes are being denied without burden of prof and personal information was shared to third parties which is illegal by law of 15 Usc 1681. In which each violation is worth {$500.00}.
Product: Credit reporting

My problem is with eqifax they recently have started reporting wrong year of birth & wrong address. They sent me forms to correct but there forms are not for correcting year of birth nor address. Also they have no current report at all, it 's all old items, none of my current credit! Which makes it like I have absolutely no credit! All the other reporting agencies XXXX & XXXX are correct! Have tried to talk to someone and they keep telling me to fill out the dispute form, I keep telling them that their form is not formatted for this type of correction. Nor are the forms formatted for these corrections online. They outright refuse to correct it!
Product: Credit card or prepaid card

I was recently scammed in XXXX with the XXXX XXXX XXXX scam, they claimed I picked up the suit 2 days later even though I was no longer in the city anymore and forged my signature. I provided all documentation and proof I was not in the city anymore and that I never got the suit because the address given was not the same place the driver took me. Credit card company refuses to open back the case after I submitted airline bus tickets food purchases as proof that I was not in XXXX, currently at a lost of {$610.00}
Product: Checking or savings account

My account was compromised and I sent them information they need to unfreeze my account but it is frozen. I asked them to refund my money where my money that was compromised in XXXX but they declined it.they sean where my account has been compromised since XXXX this happened every month. And I cant get anyone to do anything about it. Now someone has complained my account again for XXXX dollars they say they are investigating my account.SoFi take to long to investigate a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX XXXX XXXX approved financing for an inground pool. XXXX XXXX posed as the Owner of XXXX XXXX and signed the contract to have the pool installed. He installed the wrong size pool and the pool also had damages. I notified XXXX XXXX about my concerns. XXXX XXXX came out to to measure the pool and inspect the pool damage. He confirmed the pool was smaller than the contract and confirmed the indenture defect at the bottom wall of the pool. He stated the damages were repairable. He insisted on a XXXX credit. He said he would amend the contract to reflect the credit. The third and final payment to XXXX XXXX from XXXX XXXX was put on hold after notifying them about the problems. XXXX XXXX sent XXXX XXXX the amended contract and XXXX XXXX wouldn't except it because it wasn't signed by XXXX XXXX or myself. I informed XXXX XXXX we didn't want to receive a credit for the pool problems. My wife and I wanted the pool removed. He refused to remove the pool. XXXX XXXX tried to get me to sign new loan documents and asked for me to consent to another credit check to extend the construction period. I refused. XXXX XXXX representive XXXX XXXX wrote in an email stating XXXX XXXX didn't work for XXXX XXXX. She explained he was a XXXX XXXX buyer and he wasn't authorized by XXXX XXXX to approve him as a contractor. She also stated in an email that the only reason XXXX XXXX contracted our pool was due to the timing of our project. XXXX XXXX explained in an email between XXXX XXXX and myself that XXXX XXXX owner of XXXX XXXX let XXXX XXXX use his license to install our pool. XXXX XXXX didn't sign the contract. XXXX XXXX have on the contract a XXXX dollar fee for permits in the county of XXXX South Carolina. XXXX XXXX Tax Assessors office dont have a permit on file. XXXX XXXX reported a balance of XXXX dollars on my credit report XX/XX/XXXX with the beginning balance at XXXX making it appear to the credit reporting agencies I paid XXXX toward the total amount of this loan. XXXX of XXXX and XXXX and XXXX of XXXX XXXX reported I paid as agreed and wasn't giving a late payment for those three months. I disputed the inaccurate information with the credit reporting agencies. I explained the situation. They said the information they had was valid. On or around XXXX a 30 day late payment was showing on my credit report. Now it's showing 60 days late and my credit score has dropped XXXX points. Can you please help. I'm seeking legal counsel and hopes of getting this situation resolved as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter disputing and requesting Trans Union to remove the unauthorized inquiries from XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX XXXX XX/XX/2021 TransUnion I have not received confirmation that this inquiry are removed from my Credit Report.