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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute for Removal of Inaccurate Information XXXX XXXX XXXX ( Account # XXXX ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file regarding the account from XXXX XXXX XXXX, referenced above. This account is being inaccurately reported, and I am requesting its immediate and permanent removal from my credit report under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Legal Basis for Dispute : FCRA Violations Inaccurate Reporting ( 15 U.S.C. 1681 ) : The FCRA requires that all information on a consumer 's credit report be accurate, complete, and verifiable. Upon reviewing the details reported by your agency, I noticed discrepancies in payment status, delinquency dates, and terms across multiple bureaus. These inaccuracies violate my rights under the FCRA. Reporting this account with errors is damaging and does not meet the standards of accuracy outlined by the law. 

TILA Violations Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity to whom a debt is owed. As this account does not reflect a true debt relationship that I agreed to, and the terms provided do not comply with the required definitions under TILA, this account should not appear on my credit report. Thus, the inclusion of this account is unlawful, and I demand its removal. 

Actions Requested : Permanent Deletion of Account : Due to the inaccurate and incomplete nature of the information, I request that this account be deleted from all credit reporting agencies permanently, with no reposting of any form. This action is required to ensure compliance with the FCRA and TILA. 

Written Confirmation : Please provide written confirmation once the account has been deleted, and my credit report has been updated to reflect this correction. I expect a response within 30 days, as required by law. 

I trust you will handle this matter in accordance with the law and appreciate your prompt attention to this issue. Failure to correct this may result in further action, as permitted under the FCRA and TILA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Real Time Resolutions offered a settlement of {$10000.00} on a second mortgage and now they are backing down from their original offer. 
This home is in foreclosure and they are forcing me into bankruptcy.
Product: Credit card

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX - XXXX, I have been a continuous VICTIM OF IDENTY THEFT to date TransUnion is shows FRUDULENT INQUIRIES on my crefit report even after removing the actual accounts. 
1 ) XXXX XXXX 2 ) XXXX 2 different inquires 3 ) XXXX XXXX 2 different inquiries 4 ) XXXX 5 ) XXXX 6 ) XXXX 7 ) XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 XXXX XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX. 3 different inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that shoiuld not be on my credit report. I have a letter of removal from the company stating that the account has been closed and no longer reporting on my credit report. I am needing Transunion to update their records as requested by the company.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Bank Of America, I am writing to address a concerning matter regarding an inquiry reported by Bank of America, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. Firstly, I require documentation proving that I provided express written consent for Bank Of America to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Bank Of America to remove this inquiry from my file within four business days. Furthermore, it has come to my attention that Bank Of America neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Bank Of America. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting or other personal consumer reports

A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But XXXX refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again for the below listed accounts be deleted from my credit report. 

XXXXXXXX XXXX opened : XX/XX/2021 XXXX XXXX opened : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$7800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$3000.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXX  and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX and a balance of {$2600.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 

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

I have 2 collections of my Experian credit report from XXXX XXXX XXXX. I have disputed this account with them and the collection company because the accounts arent mine and are fraud. Ive also sent Experian an official copy of a police report and my lease. Yet, they refuse to delete the account or even allow me to file another dispute with them. Their representative rudely told me that Ive disputed the accounts several times and the agency verified it as accurate so they wont allow another dispute. I told her that Ive sent police reports documenting the fraud and my lease showing my address since XXXX as the same address, and not the address as on the collection from XXXX. She again stated that the accounts would remain on my credit file. Ive asked the collection agency for debt validation in XXXX and XX/XX/XXXX and they have sent nothing. Ive also told them the accounts stem from fraud. They deleted the accounts from XXXX  and XXXX, but somehow forgot Experian. So I asked them to follow suit and delete from Experian. They told me to file a dispute with Experian and when they receive it, they will notify them of deletion. However, Experian refuse to allow me my basic right, to dispute inaccurate information on my file. They act as if they benefit from my credit report being wrong. Ive hired a credit attorney recently and Im at my last resort by contacting CFPB and Federal Trade Commission to assist me in getting my right to dispute inaccuracies as many times as necessary until corrected and deleted from my file. Please assist.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, 2021, my credit card incurred a {$1800.00} charge at XXXX XXXX and a {$2100.00} at XXXX. Both of these charges happened physically and at locations near my home ( receipts attached ; had to go to each store to retrieve ). After disputing the charges as fraud with Bank of America ; I was surprised to find out that three weeks later my dispute had been denied ( letter attached ). After calling and asking how to resolve this issue, we were told we needed to furnish Bank of America with any and all evidence to support the fact that I did not make these purchases. I was able to get video camera footage from XXXX showing the perpetrator making the fraudulent purchases. I filed a police report and furnished the XXXX XXXX police with the pictures and receipts I had retrieved. As of XX/XX/2021, current processing time is 7-10 days for the file to be completed by the police. After speaking with Bank of America for a second time, and reaching a supervisor, we were told nothing could be done except to furnish them by fax or mail, new evidence. In the meantime, we are being forced to pay the approximately {$4000.00} in fraudulent charges. Attached I have provided all correspondence with Bank of America, the police report number, the receipts, receipts from activities on or around the times of these charges evidencing my whereabouts, pictures of the perpetrator. 

On XX/XX/XXXX, I was in XXXX XXXX for work. The attached XXXX  receipt shows my check out at noon. The charge at XXXX XXXX occurred on XX/XX/2021 at XXXX. On XX/XX/XXXX, I went to church and lunch with my parents in law at XXXX XXXX, XXXX XXXX. See attached charge at fashion islands whole foods at XXXX. I spent the rest of the Sunday at home with my husband who picked up dinner that night ( see attached credit card charge ). 

On XX/XX/XXXX, I received an email from Bank of America saying they are shipping a new credit card to me. I didnt authorize it but I also didnt think much of it because this is common practice nowadays. This is how I believe the perpetrator was able to secure a duplicate credit card in order to make these fraudulent charges. 

In conclusion, we have pictures furnished by XXXX of somebody other than myself making these charges showing the purchase related to the receipt they were also able to provide. This is clear evidence. In addition, we never received the credit card Bank of America shipped on XX/XX/XXXX. Bank of America will not tell us if that card was activated and will not give us any other reason for the denial other than the attached correspondence : we confirmed your card was used for the charge. The chip was read, pin was entered, and/or you signed for the merchandise, which indicates you or someone you allowed to use your card was present. This is not the case. Credit cards dont have pins and XXXX XXXX even confirmed to us they dont have anybody sign receipts. Please help.
Product: Credit reporting or other personal consumer reports

I had a secured Capital One XXXX and I made a {$200.00} deposit and I had a balance of {$120.00}. I had some health problems and ended up in the hospital for 2 months in a XXXX  to which I absolutely have medical documentation for and would happily provide. So needless to say I got behind with all my bills. Once recovered somewhat I called and made a deal with Capital One and they kept my {$200.00} deposit as well as me sending them the balance of {$130.00}. I ended up paying {$330.00} dollars for a {$120.00} dollar balance and the late fees. Capital One agreed they would update my credit report to show paid in full and to this day they have not updated it but they have sent other credit card offers.
Product: Credit reporting or other personal consumer reports

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 has violated my rights XXXX 

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 an 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. 

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.
Product: Credit card

Refusal to correct a billing error. SYNCHRONY BANK, SAM 'S CLUB MASTER CARD. {$3000.00} charged to my account on XX/XX/year> ; that account was compromised and closed on XX/XX/year>. The balance of {$3000.00} on the account that was closed was transferred to the replacement card on XX/XX/year>. The replacement card ( my account ) acknowledges payment of {$3000.00} on XX/XX/year>. THAT IS WHERE THIS STORY SHOULD END! However, Synchrony Bank lists a DEBIT on my wife 's credit card ( XX/XX/year> statement ) of {$3000.00} on XX/XX/year> AND {$3000.00} on XX/XX/year> and a CREDIT of {$3000.00} on XX/XX/year>, which leaves us with a DEBIT of {$3000.00} ( previously PAID as noted ). The XX/XX/year> billing shows a balance of my wife 's account is {$0.00} after acknowledging a CREDIT of {$3000.00} on XX/XX/year>. AGAIN, THAT SHOULD BE THE END OF THIS STORY! However, on our joint Synchrony Bank, XXXX 's CLUB MASTER CARD, it lists a charge of {$3000.00} on XX/XX/year> AND a charge of {$3000.00} on XX/XX/year> with a CREDIT of {$3000.00} on XX/XX/year> -- once again leaving us with a DEBIT of {$3000.00} ( previously PAID as noted ). As the record shows, we DO NOT OWE Synchrony Bank {$3000.00}! However, we are still being charged that amount according to our XX/XX/year> billing, although we have a letter from Synchrony Bank, dated XX/XX/year>, that states, " Your account has been corrected. Please accept our apology for any inconvenience this XXXX have caused you. '' This letter was in response to the second FAX I sent on XX/XX/year> to XXXX XXXX Department, Synchrony Bank. Subsequently, I sent a third FAX on XX/XX/year> ; I have NOT received a response to that FAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of america allowed company to let charges go on my dept card tried telling them to take ff the minus XXXX off my now its minus XXXX bank will not listen to me. they are XXXX XXXX my account and doing nothing about it. i will hire a lawyer. bank of anmerivca is a rip off XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo allowed fraudsters to open up an account which we wired money to after our title company was hacked ( $ XXXX ). We were able to stop the transaction with the help of the FBI and local PD and recover the money, however Wells Fargo has not released our funds and will not give us an answer as to when our funds will be returned to our account ( with XXXX XXXX ). It has been over a week, and we are going to now lose our home along with the $ XXXX deposit we have placed. We have made numerous phone calls to Wells Fargo and have transferred to a different department everytime who is supposed to be handling this case. We have case number, however no one seems to be able to answer when our funds will be returned, and blame XXXX for the delay. We have spoken to XXXX, who has been able to show us the things that have been sent to Wells Fargo per Wells Fargo request. For all intents and purposes, Wells Fargo is holding our money " hostage ''. We need help, and no one seems to be able to help us
Product: Payday loan, title loan, or personal loan

My ATTEMPTS have reoccurring with with XXXX XXXX XXXX XXXX  concerning refunds to watch XXXX  XXXX XXXX total of {$400.00} that were claimed to be fixed mis spells my name to host an discrimination or retaliation reprisal from claiming no records on file the watch was purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas your assistance in this matter for corrective action refund an audit my credit card account to fix this issue now there's another issue Prentice simultaneously Navy Federal Credit Union credit card my monthly balance should have never show {$200.00} over and I'm not used to card link to prejudice and he didn't paperwork documents sent and claimed they never received I got proof it was accepted the new corrective action made
Product: Credit card or prepaid card

I requested assistance under their COVID-19 guidelines posted on their bill payment website. I was allowed to defer 2 monthly payments under the CARES Act. Citibank then turned around and reduced by credit limit my more than one half the original limit. By doing this it now reflects on my credit report I'm at 98 % usage on the credit card. Citibank purposefully adversely affected my credit report without telling me they would do this. Their excuse was my payments were lower than expected. However, I made every minimum monthly payment on time the last several years and 100 % of the time made more than the minimum payment required.
Product: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : XXXX, XXXX, and Experian. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. As Experian has repeatedly failed to comply with their legal obligations to properly investigate and remove Inaccurate information. Specifically violating the following, Per 15 U.S. Code 1681e ( b ) failure to maintain the accuracy of my credit report. Per 15 U.S. Code 1681s-2 negligence in ensuring data furnishers must only report accurate and verifiable information. These accounts XXXX  XXXX XXXX reflecting charged-off with a past due balance of {$670.00} and XXXX XXXX XXXX charged-off with a past due balance of {$2300.00} were not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, the balance should be reported as {$0.00}. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.
Product: Credit card or prepaid card

On Tuesday, XXXX XXXX, 2017 I tried to use my Bank of America credit card to make a payment of {$750.00} to XXXX XXXX to purchase a flight to XXXX. This transaction was declined WITHOUT a representative from the financial institution calling me to confirm that I was, in fact, trying to make this payment. I had n't even reached 20 % of my credit limit for the month, and even with the purchase, I would still have 80 % of my credit limit remaining. I have never encountered an issue like this before. My credit score is higher than XXXX and I have never missed a payment! This is absolutely unacceptable and I feel that their practices are predatory.
Product: Checking or savings account

XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXXL Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Chapter XXXX Bankruptcy Reference # 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