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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear XXXX and CFBP, It has been over 90 days since I made my initial dispute against the fraudulent accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. Self Financial/LEAD BANK Account # XXXX, delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. XXXX XXXX XXXX Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) 3. XXXX  Account # XXXX delete this account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my consumer credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I took my check, letterhead from XXXX XXXX XXXX and supporting documents into the Truist branch on XXXX XXXX in XXXX XXXX XXXX and sought to execute a simple deposit as well as use that deposit to open a new account with Truist. Truist immediately flagged my account upon creation and has since withheld my check of almost {$3000.00}. I have gotten the run around every time I call the Truist Fraud Department and little to no explanation as to why this happened, how I can get a check mailed back to my address from the bank or anything. I informed the bank that if they did not rectify this situation immediately I would be taking my business elsewhere. My mother is a XXXX year veteran of the XXXX XXXX XXXX XXXX and is terminally ill and I am her primary caregiver. My entire family and I were recently devastated by XXXX XXXX here in Florida and this check was going towards helping us all get back on our feet and to begin piecing our lives back together. Thank you in advance for your time and efforts in this matter. 

XXXX XXXX
Product: Debt collection

I received a voicemail on my cell phone stating they were a collection agency ( Nationwide XXXX or something along those lines ). She said her name was XXXX XXXX and she was calling from the XXXX and were in the process of filing XXXX serious complaints about me to my state 's clerk office. She said they will serve me at my place of employment or residence. They said they would not file the complaint or take me to court if I contacted them to take care of the situation. They called my mother 's cell phone and left a message asking for me and saying the exact same thing I stated above. 

I called them back and gave the case number they provided on the voicemails. They gave me the last XXXX of my social and had an old work email. They said i took out a loan in XX/XX/XXXX and did not pay it back. They had the last XXXX digits of an old, closed bank account number ( which I do n't know if it was correct as that account has been closed since XX/XX/XXXX i believe ). They said the plaintiff is XXXX. I have no idea who that is, nor did I take out a loan in XX/XX/XXXX. I told them I would like to get this resolved, but that I have no idea what this could be. So I asked them to send me paperwork so that I can accurately look into this. They told me they do n't have any such paperwork and that they can only send me a receipt once I pay or set up a payment arrangement. The amount due is only a little of {$700.00}, but I refuse to give my bank information to people I do n't know. I checked my credit report, and I do not have anything listed from XXXX or any other collection agency I do not know of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights ; XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX account ending XXXX, has violated my rights XXXX XXXX XXXX Account ending XXXX, has violated my rights. 

XXXX XXXX XXXX Shows no account number, has violated my rights. 

XXXX XXXX XXXX XXXX no account number, has violated my rights. 

XXXX XXXX XXXX Account ending XXXX, Has violated my rights. 

XXXX  account ending XXXX, Has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

XXXX XXXX XXXX account number XXXX, has violated my rights. 

XXXX XXXX Account number XXXX, has violated my rights. 

These companies have violated the following code sections 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
Product: Credit reporting or other personal consumer reports

For changing off or writing off the account no 1099 c sent for taxes IRS filing 15 USC 1681 EB company still reporting on my account this is proofs of inaccuracies of this account.
Product: Credit reporting or other personal consumer reports

all three credit agencies are unfairly decreasing my credit score I thought to earn a good credit score you paid on time or paid off your debt. I have tried over the last few years to get my credit in order pay on time and it seems I am doing all for nall it is unfair to cruelly be unfairly penalized for paying off or on time when there is no reward I don't understand why there is a company that judges you for doing the right thing but penalized you for doing so and to keep a disputed account over ten 10 years old on your account that is negative in which I have disputed for years with no results
Product: Debt collection

On XX/XX/2020 I spoke with XXXX  and they advised they have no reference of the alleged account that Enhanced Recovery is reporting. I have attempted to contact the creditor and the number is none working.
Product: Prepaid card

I have been issued a reward card which expired XX/XX/XXXX. Reward card was issued by Kohls for {$150.00}. 

Now they are not re-issuing the replacement card
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my [ credit report/account ], specifically concerning XXXX, an account erroneously added on my report. This incorrect reporting constitutes negligent non-compliance under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), and I request its immediate deletion from my records. 

The FCRA mandates that entities handling consumer information maintain accurate records and promptly correct any discrepancies. Failure to comply, whether willfully or negligently, exposes such entities to legal liability. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently enforced actions against institutions for similar violations. For instance, in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX for inadequate investigation of consumer disputes regarding their credit reports, highlighting the serious implications of failing to address inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I been disputing an auto loan on my Equifax report for one year and a couple month and Equifax did not never send many anything was verify with signature. I know you guys has access to my XXXX and XXXX and you can look and see there is no car from XXXX XXXX and I never this account. I see where XXXX XXXX  is on my credit report and I dont even know who that is. XXXX XXXX is on my report I never knew XXXX XXXX  had a card and I know this is a mix up because the bill was paid and I did not pay XXXX XXXX   anything because i never had a card with them. I see XXXX  XXXX   is on my report this is not me a mix and this is hurting my credit. Can you please reinvestgate and help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Cadence Bank sends notifications of the customer account activities via unsecured and not encrypted email messages. The information in the messages includes payment transaction amounts and names of the payees and is made accessible by unauthorized third parties. 

When contacted by the customer about the issue, Cadence Bank responded that they do not consider transaction amounts and payee 's addresses sensitive information. 

Cadence bank rationale of not protecting transaction amounts and payee addresses as sensitive information, as expressed in the attached response from its customer service, was that it is the same information " as would be printed on a physical receipt at any merchant ''. 

While I understand that certain physical instruments used in processing payments by the banking systems contain payee 's name and transaction amount, I expect that such physical instruments are protected from being accessed by unauthorized third parties by being physically stored in secured locations or transported by mail carriers with appropriate level of security. It appears to me that Cadence Bank 's management does not understand the difference between storing and transporting sensitive customer data via physical instruments and unsecured and not encrypted email messages. 

Perhaps the Cadence Bank 's management is not aware that information that is transmitted by unsecured email messages is travelling through multiple internet cables and routers, it is being stored in unsecured and not encrypted form by many parties handling the data transmission, and as such is easily accessible by unauthorized third parties anywhere in the world. 

There are plenty information online describing why companies should not use unsecured email to transmit the type of information that consumers would like to keep private. For example, a quick internet search can point Cadence Bank management to the following article XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXXXXXX XXXX  XXXX XXXX .... Balance : {$140000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning inaccurate negative reporting on my credit reports from XXXX  XXXX. As of today, XX/XX/XXXX, my Transunion and XXXX reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX  XXXX  to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. 

I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX  XXXX  via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for the Equifax monitoring service monthly which provides daily updates to my credit report and credit score. I have not been able to update my score or report since   X/XX/2017 . I have  called them numerous times and every time I call I get the run around. This is a service that I pay for monthly and they have been taking my money monthly and have not provided a solution to this issue. I feel that I am being taken advantage of and would like to file a complaint against Equifax.
Product: Checking or savings account

XXXX XXXX XXXX made a deposit at a huntington bank atm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX place debit card in atm to deposit $ XXXX.into checking acrct, atm took my money, but didnt show it on atm screen or give me a receipt. called bank to report atm gave address and all info i could, huntington bank place money in checking acct. next day. huntington took money back, had checking acct in overdraft. i go to a huntington branch ant talk to cust serv rep. overdraft remove. then to have huntington bank say they can find deposit and now checking acct has {$610.00}. overdraft fees. called huntington spoke with a rep to reopen and check security of atm dispute case # XXXX
Product: Checking or savings account

On numerous occasions I have been subject for multiple overdraft fees with M & T Bank. When transactions are pending, but I still have an available balance, I am prompt to transfer the money necessary to cover the potential negative amount. However, at least twice a month I am charged anywhere from {$300.00} - {$500.00} in overdraft fees. I would like this to be reviewed and corrected.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 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.
Product: Credit reporting or other personal consumer reports

Home Credit Disputes Account Monday, XX/XX/XXXX XXXX A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

The following accounts are unauthorized or inaccurate, and I ask that you delete them : Account from XXXX XXXX  XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX XXXX needs to be removed. I am a victim of identity them and I never authorized this account. 

Account applied bank needs to be removed. I am a victim of identity them and I never authorized this account. 

Account A plus XXXX XXXX XXXX needs to be removed. I am I'm victim of identity them and I never authorized this account. 

Account from XXXX funding on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX funding on XX/XX/XXXX I am a victim of identity theft and I never authorized this account. 

Account from XXXX XXXX. Delete account. 

Late payment from XXXX XXXX A letter from XXXX directly was submitted to update that the account was NEVER late, is CURRENT, and NOT past due. Please update to current, never late, paid as agreed. 

Late payment from XXXX XXXX XXXX. Account was NEVER late, is current, paid on time and as agreed. Please update closed account to reflect accurate reporting as : NEVER late, current, paid as agreed closed. XXXX must also be updated. 

Late payment from XXXX XXXX finance. I was never late. Please update to never late current and paid as agreed. 

Late payment as XXXX XXXX XXXX XXXX I was never late and need to be reported as current, never late, paid as agreed. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

XXXX XXXX auto loan ahowing an opened balance of {$6400.00} on my Equifax credit report do not belong to me. This is affecting my credit score on Equifax report and I need it to be removed from it.
Product: Credit reporting

I have disputed this account in the past because XXXX told me they would update the account to show there is no 30-day lates base on the fact that those lates they are reporting on my account were not my fault. XXXX agreed and sent out an update. XXXX and XXXX updated it. But Experian is the only one who refused to update the account. I attached a letterhead from XXXX attention Experian letting them know this account should be updated and also they sent out a signal to all XXXX reporting agencies to make sure it is updated. I attached letterhead from XXXX and account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On XX/XX/XXXX I was charged {$10.00} from XXXX live for a subscription I thought I canceled I would like to dispute it. And on XX/XX/XXXX I was charged {$12.00} from XXXX and XX/XX/XXXX for {$15.00} I woudl like to dispute as I did not take a XXXX I have no need to
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my XXXX credit report. 

Below are the details of the inquiry in question : Report Number : XXXX Creditor Name : XXXX Type of Business : Miscellaneous Finance Date Inquiry : XX/XX/2024 I do not recognize or recall authorizing this inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter with the entity that made the inquiry and remove the unauthorized inquiry from my report if it can not be verified as authorized. 

I am attaching a copy of my credit report, where I have highlighted the disputed inquiry, along with a copy of my identification to verify my identity. Thank you for your prompt attention to this matter, and I look forward to a resolution within the 30-day time frame mandated by law. Please feel free to contact me if any further information is required. 

Sincerely, XXXX XXXX