23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Account number XXXX Routing numbers Direct deposits & electronic payments XXXX The wells Fargo bank offers a {$320.00} bonus for opening an account. I have already reached the direct deposit standard, but the bank has not yet given me the {$320.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone - XXXX DOB- XX/XX/XXXX Address - XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

so i had placed two fraud claims on two transactions on my account involving a XXXX  transaction. my XXXX account was compromised/hacked and {$990.00} total was drawn from my bank account to my XXXX balance in two transactions and sent to a different XXXXXXXX XXXX my claim was denied and i asked why the reason was because the name that the money was sent to was used previously before but i previously called the institution to ask them to place a note on the claim to say my account was compromised and thats how these transactions occurred so the specialist knows what happened. But in the end it was still denied so I made multiple reports with CFPB to address another situation that involves these transactions. i had to go into a bank with two forms of id to verify to call the dispute department and find out what my claim was because theyve blocked off my access to mobile banking and the system from sending me codes to verify me. i previously asked if my account can not be closed or if i could be able to open a new account after this one closes because it closed due to a check that bounced and they said no. but to focus on the main point The bank has denied my claim because they said my XXXXXXXX XXXX was used within the transaction which is unprofessional because there was a note on the claim to show that it was my account that compromised so of course my XXXX XXXX would be used.
Product: Mortgage

My mortgage was transferred to XXXX Mortgage on XXXX/XXXX/15. On XXXX/XXXX/15 I received a letter stating that my home was recently placed in a high-risk flood zone, and that they would force-place flood insurance on me if I did n't get it myself. My home is not in a flood zone ( I checked the FEMA maps ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and there is XXXX XXXX XXXX XXXX, CA XXXX XXXX 
Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an consume informing on is found to inacurate or in complete or anot te eried, e file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andil ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Debt collection

This company is trying to collect a debt from a company that no longer exist and that is a place that rents accomodations by month.
Product: Credit card or prepaid card

On XX/XX/2022 I disputed XXXX charges and won XXXX of them because the merchant decided not to challenge some of the disputed charges. The XXXX charges that the merchant fought were reversed in the merchants favor several times by capital one improperly and without standing. The first time it was reversed, capital one alleged that I didnt respond to their request for information in which case I filled out a pre-formatted billing dispute form stating I didnt receive a service, how I attempted to reach out to the merchant, and what the resolution was. On XX/XX/XXXX, Capital One sent an electronic letter in which they made bizarre requests such as requesting a second opinion on company letterhead from another merchant in the same field that states how the service was defective and a statement that includes the number of times the merchant tried to correct the problem. I believe that Capital One has created a process that is not consistent with the Fair Credit Billing Act and have purposely made the dispute process so convoluted as to deter the customer from pursuing the dispute further and/or to rig the process in the merchants and their favor. This is the case here because they had sufficient information to correct the charge as Ive sent them XXXX letters stating how I attempted to contact the merchant and resolve the situation, sent in video and picture evidence to support my position, and even explained how the hotel was in violation of health code and on the verge of being shut down. Additionally, after sending in further evidence on XX/XX/XXXX, Capital One quickly responded the same day alleging they arent able to assist further with the dispute due to passing a XXXX day window policy of theirs. This was an open dispute since XX/XX/XXXX and per the FCBA, they have XXXX  days to complete an investigation, which means they still had XXXX days to work toward this dispute so I believe they are in violation of this law twice. Im requesting an investigation into Capital Ones billing dispute procedures.
Product: Credit card or prepaid card

On X/XX/2017, I called in an order with XXXX for several items totalling XXXX . I did not receive the items. Instead, I received a bill. When I tried calling, I was referred to Comenity Bank by the automated phone system. I called Comenity Bank and got only an automated system that finally hung up on me and never addressed my problem. I was not aware of the association of XXXX with Comenity Bank prior to my order. Had I known, I would not have ordered anything. I had prior experience with XXXX XXXX who is also associated with Comenity Bank. This issue was resolved by the Better Business Bureau. I am concerned about the fraudulent way these companies do business, and I do n't want others to be held hostage to their practices. Please investigate and act against this unfair cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account by the name of XXXX XXXX is reporting to my Experian and XXXX credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or discharged through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. Experian also refuses to report a XXXX balance.
Product: Mortgage

For the last two plus years I have been trying to get a loan modification from PHH Mortgage. In the beginning it was XXXX XXXX who sold my mortgage to PHH. I submit the required paperwork only to be sent a letter that states my packet is missing some document. I resubmit all the required documents ( which I did the first time ) only to again receive a letter that states the same thing that I am missing a documents. I was notified XX/XX/2015 that my home was going to be sold at a sheriff 's auction. My lawyer again submitted the paperwork, only to have the date postponed until XX/XX/2015. We were told they were looking everything over and that the sale was postponed until XX/XX/2015. I was under the impression that this would not go through as they finally acknowledged they had everything needed but no response from them and on that date my home went into foreclosure with them never once offering me a modification. I want a modification and do not want to lose my home.
Product: Debt collection

WAKEFIELD & ASSOCIATES INC. XXXX XXXX XXXX XXXX has placed this debt on my credit and I have never acquired services from them nor have I ever heard of them. This needs to be removed from mt credit reports and there is no validated proof this belongs to me. I have been a victim of identity theft and have placed credit locks for all three bureaus because of this. I would kindly ask that this be removed.
Product: Money transfer, virtual currency, or money service

I have money stored in a digital wallet on BlockFi. Due to recent events surrounding XXXX  bankruptcy, BlockFi paused all withdrawals on XX/XX/XXXX. I am concerned they will use my money ( and from other clients ) to satisfy creditors if BlockFi is faced with bankruptcy as well, which they have never requested nor been given my consent to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this 30 day late payment fixed and equifax said it was verified by the creditor which is false and the creditor admitted the banking error and I am including proof of 2 payments with bank records of XXXX and XXXX so it is impossible to be 30 days late on the account described in the letter
Product: Credit card

I received a ATM card from Synchrony and tried to have this canceled as I don't have an account with them. I went through 3 different departments and no one can help. Since I don't have any accounts with them how can they send me an ATM card? I just want my information deleted from their records so as not to have any problems in the future. The card also had valid thru XX/XX/49. Never heard of anything like that.
Product: Debt collection

Subject : Complaint Regarding Debt Collection Practices by IC Systems I am writing to file a formal complaint against IC Systems for their handling of a supposed debt they claim I owe. I have several serious concerns regarding their debt collection practices and the violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Lack of Notification : I have never received any form of communication from IC Systems regarding this alleged debt. I was not notified by mail, phone, or any other means. When I inquired about the lack of notification, IC Systems provided an incorrect address, which clearly indicates that they did not perform due diligence to ensure that they were contacting me, the correct individual, at my current address.

2. Invalid Contact Information : IC Systems claimed that my phone number, which I have had for over eight years, is invalid. This is not the case, and it further demonstrates a lack of effort on their part to establish proper communication with me regarding this matter.

3. Absence of Right to Opt-Out : I have not received any information or notice that would allow me to opt-out of having my information furnished on my public credit report as required by law.

4. Unauthorized Reporting : Without any prior communication, validation of debt, or attempt to resolve the matter directly with me, IC Systems has proceeded to report this supposed debt to the credit bureaus. This action has potentially damaging effects on my credit score and financial standing.

Due to the aforementioned issues, I believe that IC Systems has not complied with the necessary legal requirements and has engaged in unfair and deceptive practices. I request that the CFPB take appropriate action to investigate this complaint and ensure that my consumer rights are not being infringed upon. 

I also request that IC Systems provide me with : - Full documentation and validation of the alleged debt, including the original creditor 's information and any records of transactions or communication attempts. 
- Evidence of their efforts to contact me at my correct address and phone number before reporting to the credit bureaus. 
- An explanation for the lack of opportunity provided to me to opt-out of reporting, as mandated by law. 

I am prepared to provide any additional information as required. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

on XXXX I received a message that XXXX XXXX was found in my favor and discover would apply the credits. no such thing occurred. in fact after filing a complaint with XXXX on or about XXXX in regards to their seller for keeping my money and the item after it was returned successfully. they opened an a-z claim on XXXX and refunded me. i did receive the credit in my discover account however it has since disappeared from my accounts history shortly after receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XXXX inaccuracies on my credit report related to XXXX XXXX  XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXXXXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the XXXX for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account : XXXX XXXXXXXX XXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXXXXXX XXXX. I do not have a contract with XXXX XXXXXXXX XXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/year>. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX ( XXXX ) against XXXX XXXX  XXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian located in XXXX XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past XXXX months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my personal information to try to open up credit cards and loans. I have put a freeze on XXXX, transunion and XXXX I received alert of hard inquiries that I did not apply for. Also received letters from companies. I have called them to resolve. I need help making sure whoever is doing this to stop trying to apply for credit cards and loans. Very scary.