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

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint and I'm not using any third party for this matter, I have tried to call Experian and asked them to update my personal information and remove addresses from my report that don't belong to me, but Experian refused to do so. 
So I'm sending this complaint because on my report a few addresses that I have never lived. I believe I'm victim of identity theft and my personal information went to the wrong hands, so as a result I got these addresses on my report. 

My current address is XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have lived at this address for more than 7 years. 

Addresses below don not belong to me and I have never lived there : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please do your investigation and verify who these address belong to and remove them from my report.

I have provided my verification information, such as : Proof of Address, copy of SSN, copy of Driver License. 
PLEASE UPDATE MY REPORT TO CURRENT INFORMATION THANK YOU
Product: Debt collection

In XXXX of 2021, I was contacted by Credit Collection Agency for a debt of {$480.00} with XXXX XXXX XXXX. At that time, I requested a debt verification letter. After requested, the debt was was never removed from my credit report at the time of dispute. It is now XX/XX/XXXX, and I still have not received a verification of debt, and it has been on my credit report the entire time since Ive disputed. I called the original company who the debt collection services is representing ( XXXX XXXX XXXX ), and I was told they have no records of any collections or past due balances at all. This is affecting my ability to get a mortgage. I asked for copies of the phone recordings and was told by a supervisor that they record for training, and are not required by law to record the conversation or give me a copy.
Product: Debt collection

Subject : Complaint Regarding Debt Collection Practices- Reference Number : XXXX To Whom It May Concern, I am writing to file a complaint regarding the debt collection practices of Caine & Weiner. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, and my email address is XXXX. 

I received a notice from Caine & Weiner regarding a debt purportedly owed by me. However, I have several concerns regarding the provided information : 1. Itemization of the Debt : The notice did not include a detailed itemization of the current amount of the debt, reflecting interest, fees, payments, and credits since a particular date. Without this information, it is challenging for me to assess the accuracy of the debt.

2. Current Amount of the Debt : The notice failed to clearly specify the current amount of the debt when it was provided. It is crucial for debtors to have access to this information for transparency and dispute resolution purposes.

3. Information for Dispute : The notice did not provide adequate information for me to reply to the debt collector, particularly if I believe the debt is not mine or if the amount is incorrect. Clarity on how to dispute the debt is essential for consumers ' rights and fair debt collection practices.

4. End Date for Dispute Period : There was no indication of an end date for a 30-day period during which I can dispute the debt. It is imperative for debt collectors to provide consumers with a clear timeline within which they can exercise their rights to dispute the debt.

I kindly request that Caine & Weiner address these concerns promptly and provide me with the necessary information to resolve this matter fairly. I expect a timely response in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX my card was used unauthorized for {$360.00} and for {$110.00} XX/XX/XXXX. 
I filed a dispute with chime my dispute was denied within 20 mins. I knew chime didnt do the proper steps within that time frame. I asked chime to send me the investigation findings and it was complete XXXX  After months of trying to investigate by myelsf with no help of chime I found the merchant information. Chime couldnt tell me how my card was being used what time the card was being used literally nothing only name of merchant. I emailed chime over 50 times Trying to get help, customer service is so rude and barely speak English. I submitted new information from merchant to prove my card was being charged without my knowledge again denied. I have no hope in getting my money back. I filed a complaint with you XXXX told my story on XXXX so many customers had/have same issue with chime. The business is so shady. All disputes are being denied and fraud is at an all time high right now. I cant sleep I been so stressed out this bank or Financial institution has been putting me through XXXX. No cooperate no real help. I never filed a dispute with chime this is my first dispute. I will never use this service again. Chime is shady
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  # XXXX Amount XXXX Was paid in full and brought insurance
Product: Bank account or service

I have a Google Wallet account which I use for several different services provided through Google, Inc. Abruptly, and without warning, my Wallet was closed. I was not provided a reason. They told me that there was suspicious activity, and asked for verification information. I provided : a photograph of my passport, a photograph of my Driver 's License, the credit card on file, another debit card from my current banking institution, and a photograph of myself with the date and time, confirming that I was who I purported to be. 

I have attempted to resolve this issue through their resolution center several times, but they have done nothing, except leave me vague e-mails and point me towards their Terms of Service, which appears to be a contract of adhesion, giving the company the power to do, essentially, anything they wish to do. This strikes me as unfair. 

Moreover, they claim they are not a bank, even though their service allows you to make deposits, withdrawals, issues a credit card, provides bill payment services, and fund transfers. 

What, exactly, is one person supposed to do against a monolith like this when they have a problem? If XXXX XXXX XXXX abruptly shut down my account for no reason, I have a feeling the SEC, FTC, and your agency would have several questions. Why is a technology firm except from this scrutiny?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}
Product: Money transfer, virtual currency, or money service

{$1300.00} was taken out my account with out me giving the approval while I was with chase bank XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is a Official notice That Im am opting out of a credit report And sharing of my information that XXXX XXXX And American Express Have Been Sharing to XXXX, XXXX and XXXX Without ever providing the lawful disclosures for me to opt out Via 15 us code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.

( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I am not Putting American Express and XXXX XXXX on notice to Stop The Report of any late payments transaction history and experiences on my credit report Via federal law and being that I am Elderly the continuation on that matter will be considered elderly
abuse and Fraud For accounts XXXX XXXX XXXX XXXX XXXX AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector ERC-charter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by ERC. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by Wells Fargo that there should not be a XXXX status reported. I will be attaching a document from Wells Fargo that shows proof from them that the account should not be in XXXX status. 
The account in question is : Wells Fargo Home Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with Wells Fargo - Received document to clear FC from Wells Fargo TWICE - Talked to All three Credit bureau and filed dispute on Wells Fargo - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.
Product: Credit reporting 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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. 

Account : XXXX XXXX INT Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min on the phone ) finally got access to my account. Put in new info, it did not take the info e ven though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my credit score  XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
Product: Payday loan, title loan, or personal loan

I ran my credit report report on XX/XX/XXXX. I saw that Wells Fargo has throughout my Covid-19 financial economic disaster been well informed of my attempts for XXXX XXXX XXXX and Pandemic assistance. My accounts that they were able to see that went into collection were due to illegal activity of yet another one of there banking products- Wells Fargo XXXX XXXX XXXX XXXX that ignored Cares Act and NC XXXX Orders- forced me to pay rent in full or be evicted on XX/XX/XXXX. 

Whereas I was told by Wells Fargo XXXX XXXX XXXX, " work harder, borrow money, get another job, it's not their problem, or get evicted. Cares Act did not matter '' Whereas I called Wells Fargo XXXX immediately after and was told that they could do a XXXX deferment and look into this. 

Whereas Wells Fargo, told me not to worry and then I started receiving calls from XXXX different numbers and multiple Wells Fargo XXXX XXXX, up to XXXX calls a day until XX/XX/XXXX. 

Whereas on I had no access to online billing until the end of XX/XX/XXXX. Wells Fargo removes online access to loans after just XXXX late payment or deferral arrangements, sends multiple billing from various departments so one never knows which bill is correct amount. 

Whereas I have been discriminated against for being on pandemic unemployment and a small business owner.There have been inquiries from multiple Wells Fargo XXXX Platforms.They proceeded to threaten me daily until XXXX. I was told because I received government aid, my business had suffered tremendous loss, and I worked as a XXXX worker that my car could be repossessed for just receiving government aid alone. 

Wells Fargo XXXX XXXX XXXX inquired XX/XX/XXXX, then mailed a full demand for loan payout from PO Box XXXX XXXX, NC XXXX, Phone number XXXX. They inquired again on XX/XX/XXXX. 

Wells Fargo XXXX XXXX XXXX inquired XX/XX/XXXX from XXXX XXXX XXXX XXXX Fl 1, XXXX, NC XXXX https : XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX XXXX Community XXXX XXXX, XXXX, NC XXXX XXXX 

Wells Fargo Bank XXXX inquired on XX/XX/XXXX from XXXX. XXXX XXXX, XXXX XXXX, IA XXXX and phone number is XXXX My auto loan was closed due to XXXX, social, and financial discriminatory violations of federal, lending, and consumer practices. It is illegal to close an account, not verify balances based on receiving social, financial, and healthcare services from federal, state, and local governments during a worldwide pandemic.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deleting Accounts Due to Data Breach I am writing to inform you that I am a victim of a recent data breach, and I am requesting that the following accounts be blocked and deleted from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Please find the details of the affected accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I made a mobile deposit through the Chase app at XXXX Pacific Time. Chase states that XXXX Pacific time is the cutoff for deposits to be available the next day. Therefore funds would not be available for two days, until XX/XX/XXXX. My complaint is that if they consider anything after XXXX Pacific the start of the following day, this random time should similarly be the cutoff after which pending funds should be credited. But it's not. Because they held my money for literally two days I was then charged an insufficient funds fee of {$34.00} in another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I was never late with this company, the credit bureau ( Transunion ) are ignoring my disputes. 

Date updated shows XX/XX/2019. Which indicates there was not an investigation. 


I have sent disputes XXXX consecutive months now. Still nothing. 

Failing to Follow Debt Dispute Procedures is a violation of this FCRA. 

I have attached my last dispute with Transunion in regard to this account alongside the certified mail recipient.
Product: Credit reporting or other personal consumer reports

I have sent in many disputes with Experian and they are not fully investigation my account as I know because they keep saying updated and verified but when I ask where and how are you verifying this information and to send me document on how its done I haven't receive anything the account I'm reporting is XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX  as I stated I'm a victim of identity theft and want this account blocked and removed from my profile in 4 days
Product: Credit reporting or other personal consumer reports

After noticing multiple inaccuracies, incomplete and unverifiable information on my Equifax consumer report I submitted a dispute. The results did not fix anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute a late payments reported on my credit file associated with my account number XXXX. I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Additionally, I would like to point out that this account has already been removed from the XXXX credit agency by order of the CFPB ( Consumer Financial Protection Bureau ). I request that it also be deleted from the other credit bureaus. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. Sincerely, XXXX XXXX XXXX