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

On XX/XX/year> I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX. I have only 1 current address beginning with XXXX XXXX all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : 1. XXXX XXXX XXXX 2.XXXX 3.tower XXXX XXXX XXXX 4.all XXXX XXXX 5.all XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX & XXXX XXXX 6 ) XXXX XXXX, XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX  XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX 22 ) XXXX 23 ) XXXX XXXX 24 ) XXXX 25 ) XXXX XXXX 26 ) XXXX 27 ) XXXX XXXX 28 ) fifth third 29 ) XXXX XXXX 30 ) XXXX XXXX 31 ) XXXX XXXX XXXXXXXX
Product: Checking or savings account

My tax return was accepted by the IRS in XXXX, and they direct deposited a {$760.00} return sometime in XXXX, but Chase Bank will not credit the amount to my checkinh account. I have tried to file a dispute as an error but they refuse to open the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX  non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXXXXXX are reporting me late, when Im not.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo for unfair and unethical practices related to the closure of my account and the imposition of unauthorized fees. 

**Account Closure and Overdraft Fees : ** Wells Fargo abruptly closed my account without prior notice or valid justification. Following the closure, I was unjustly charged for overdraft fees, despite the account closure being initiated by the bank. This action violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), which mandates proper notification and justification for such actions. 

**Reversal of Fraudulent Dispute Claims : ** In addition, there were several unauthorized transactions on my account, which I reported as fraudulent. Despite providing necessary evidence and following Wells Fargo 's dispute resolution process, the bank reversed the decisions on my disputes, reinstating the fraudulent charges to my account. This action contravenes the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires timely and fair handling of disputed charges. 

**Impact : ** These actions have caused significant financial harm and distress. The unjust overdraft fees and fraudulent charges have negatively affected my financial stability and credit score. Additionally, I am about to enter the military, and this account was intended for use as my direct deposit account for my XXXX salary. The unfair closure and associated fees violate protections under the Servicemembers Civil Relief Act ( SCRA ), which aims to reduce financial stress on military personnel. 

**Requested Resolution : ** 1. Immediate reversal of all unjust overdraft fees and fraudulent charges. 
2. Correction of my account history and credit report to remove any negative impact resulting from these unauthorized actions.

3. Reopening of my account and return to a positive balance, in compliance with the proper procedures outlined by the Electronic Fund Transfer Act and the SCRA.

4. A thorough investigation into Wells Fargo 's practices concerning account closures and dispute reversals. 

I expect a prompt and fair resolution to this matter. Thank you for your attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company falsely provided inaccuracies on my credit report. Reporting is inaccurate.
Product: Vehicle loan or lease

I was in an auto accident. Which my insurance provider had payed my vehicle off. I went back to the same dealership and was told because it was paid off within 6 - 8 months that wasnt enough history for me to get another loan without a down pmnt. Then i was told no XXXX made vehicles because the maintenance on the vehicle if it was to break down would be to expensive to fix under their warranty. So i pick a car. Not the car i wanted but a car. I paid XXXX down. I was paying my payment then fell behind 2 months. But was keeping contact with 2 people there. I asked for an extension and was told ok just pay XXXX i paid XXXX then my account was put in reposession. They reposesed my car. I have XXXX kids. XXXX with XXXX. I was taken.
Product: Credit reporting or other personal consumer reports

sent the following correspondence to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX RE : REINVESTIGATION OF PROFILE 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.

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Former XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX Also Accounts XXXX XXXX  XXXX This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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.

1 of 2 Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank You, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

To the loan but discover interest rate is against legal rate for my state also withdrawal on dates not authorized I have no paper work with terms ssXXXX
Product: Debt collection

Dear XXXX ; ( XXXX XXXX XXXX {$380.00} - - - XXXX XXXX XXXX {$520.00} - - - ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.
Product: Credit reporting or other personal consumer reports

i am not delinquent.

i paid on time the moment i got my credit card statement on XX/XX/XXXX. 

i did not get statements before!! 


XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at Experian. 
See comments from the XXXX Call I made on XX/XX/XXXX. 
Also, please let Experian credit reporting know that I am 100 % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

I have been dealing with hackers since XXXX. I have had problem after problem with identity thrift. First XXXX that I just now found out about and Experian in XXXX. After having to start over again. I pulled my credit and noticed 2 collections first 2 were medical that I wasnt worried about because XXXX XXXX XXXX. With XXXX XXXX the next was XXXX credit card with XXXX limit they said I owed XXXX on card. It didnt make any sense to top it off I was never notified of either of these collections prior to at anytime. That alone is grounds. Multiple violations of fair credit act. XXXX XXXX ignored several requests to see original contract along with changes totaling XXXX. I asked for valedation.that has been ignored. Experian has not done there job doing a complete investigation my request have went through Experian obviously know my request have been ignored but still will add verified. How. On top of all this Experian data breech has also affected me financially and countless hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and still find unauthorized inquires reporting. I have demanded these be removed multiple times with FTC report and proof of identity and they have not all been removed. I did not give written consent for this to be furnished to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting wrong information on my report
Product: Credit card or prepaid card

XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : As per 15 USC 1692c ( c ) I am notifying you to cease all further communication regarding any alleged debt through any medium. After being harassed for months, violating 15 USC 1692a ( 3 ), about a debt I do not own and using threats in an attempt to collect the alleged debt, I invoke my right to this specified remedy as per 15 USC 1692c ( 2 ) : - Pay the invoice attached. 
- Deletion from all consumer reports Any correspondence excluding a notice of receipt of this letter and paying the invoice from you will be documented and sent to the appropriate agencies regarding your violations. Please be advised that if communications continue, I will file complaints with the Federal Trade Commission and the local attorney generals office. 


Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I took a deposit totaling {$2400.00} to US Bank. 
The teller incorrectly entered this deposit as {$3400.00}. 
My bank account was credited an extra {$1000.00} when it should not have been. 
Someone who wrote me a check has their bank account overdrawn because US Bank withdrew an extra {$1000.00} from their account. 
US Bank was notified by me of this error on XX/XX/XXXX ( the following day ). 
XXXX promised it would be corrected " as soon as they figured out how to fix it. '' Three business days later, nothing had changed. 
On XX/XX/XXXX, I spoke with XXXX at US Bank. He promised that it would be corrected by XX/XX/XXXX. It is now XX/XX/XXXX and it still has not been corrected. It is over a week that US Bank withdrew an extra {$1000.00} from someone's account illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was opened in my name, and without my permission or knowledge, XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reported this to the creditor, they claimed that the onus was on me to prove that this debt was not created by me. I informed them that this account is not mine, and it has done harm to my financial viability, and I stated that I would like them to remove this negative mark from my Experian credit file immediately.
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. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

We are a HUD approved housing counseling agency and we submitted a loan modification package to Di-Tech Financial LLC on behalf of the client on XXXX XXXX, we were consistently following up with the lender submitting documents that were needed to complete the file. DiTech place a foreclosure sale on XXXX XXXX. On XXXX XXXX I spoke with the SPOC on this file and she confirmed that the last documents were received and there was no sale date. The homeowner then sent us a email on XXXX XXXX stating that her home was sold on XXXX XXXX, I then called back into Ditech spoke with the SPOC and she reconfirmed again yes it was a hold on the sale date, however Ditech went through with the sale and hung up rudely in my face I then called back in to make sure she just did not hang up in my face on purpose and the same SPOC said yes the home was sold and hung up again in my face. I truly understand there is never a guarantee that a modification will be done to help a homeowner, but the homeowner SPOC confirmed not once but twice that there was not a sale on this property and she was very very very rude in her communication. No homeowner deserves that treatment rather they are current or behind. We need this foreclosure to be rescinded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CONSUMER PORTFOLIO XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONSUMER PORTFOLIO XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. StateXXXX 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 instructions. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account is as properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Product: Credit reporting

Equifax is reporting a fraudulent account on my credit report. I submitted an identity theft report to Identitytheft.com and with the XXXX police department. I was a victim of identity theft. Equifax did not investigate the matter or respond to my inquiries. They continue to report this fraudulent account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed
Product: Credit reporting or other personal consumer reports

Payments are due on the XXXX of every month starting with XX/XX/. The XXXX payment was made on XXXX  and the XXXX XXXX XXXX payment was made on XX/XX/2023. These payments were made before the 30-day reportable period occurred. The creditor can hold late payments against you for internal purposes, such as CLI reviews, assessment of late charges, or closure of the account, but they can't report to the CRAs before the 30-day late period. 

Yet when I disputed this information according to Experian and XXXX they reported that the information was correct and that I was 35 days late on a payment. The evidence of payment date was uploaded
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX Charge off investigation XXXX XXXX Code XXXX XXXX states A person XXXX not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I requested an investigation on everything in my file in which Experian states everything is verified as accurate. I then requested the detailed investigation report on this closed XXXX XXXX XXXX off account negatively impacting my credit, which was sent out XX/XX/year> ( receipt for proof attached ) and as of this date XX/XX/year> I have not got a response or been shown how this account was verified. Please remove this XXXX XXXX XXXX off immediately. Thank you for your time
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. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ( acct # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX 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 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.

15U.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 card or prepaid card

conduent removed XXXX and refuses to put the money back in