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

To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXX XXXXXXXX Date Listed : XXXX XXXX XXXX Account Name : XXXX  Date Listed : XXXX XXXX XXXX Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event Code 7, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests : Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation. 
Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance. 

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. 
Issue the Vehicles Title ( XXXX XXXX ) : As the debt has been charged off and effectively canceled, I request the immediate release of the vehicles title. 

Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title. 
Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
I expect written confirmation of the resolution of this matter within 15 days. 
Thank you for your immediate attention to this urgent matter. 

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

SoFi lending is reporting an account on my credit report that I do not owe. In 2017, SoFi sued me claiming I owed this debt, but I do not and the case was dismissed. Despite this, SoFi continues to unlawfully pursue collection of this debt.

I have repeatedly disputed this account with all three credit bureaus and I have written to SoFi directly to dispute the debt. However, SoFi continues to verify the debt with the credit bureaus and provide inaccurate account information.

I am requesting that SoFi immediately remove this account from my credit report with all three bureaus, including, but not limited to XXXX, XXXX, and XXXX. I am further requesting that SoFi discontinue all unlawful collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX 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 ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$130.00}.
Product: Credit card or prepaid card

When I used the card, it is either rejected, tells me there isnt enough money on the card. When I contact the company, they ask me to put the card number in then tell me for a {$1.00}. They will try to resolve my question, then take the money out of the card number I just put in. Its not the money it is the principal. Most merchants wont accept the card because of the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account Number : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " 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. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

They held or payment for two weeks and did not cash it until the day after the judgement so they we would have to pay them more then the original amount even though we sent the check certified mail so we know they received it two weeks before the court date
Product: Credit reporting or other personal consumer reports

On XXXX I received a letter from the bank informing me that a unauthorized charge of {$12000.00} on my store credit card was as I stated a fraudulent transaction and that I was not responsible for the transaction. The bank stated that the findings would be conveyed to four different credit bureaus. But the card issuer did the opposite. They reported me as late to the bureaus, and opened additional accounts transferring charge from one account to another. As a result, I lost XXXX points off my credit score on two of the reporting bureaus. So, I opened a dispute with the three bureaus. One of the three bureaus removed the negative information, but the other two have not. I've done the following with no results : Contacted the card issuer whom promised me that they reported positive information in my favor to the Credit Bureaus. I've filed multiple disputes with two bureaus with evidence/exhibits and applicable laws attached. But the bureaus just close the disputes stating that my file is updated ( one of the bureaus demoted my score by XXXX points as a per the update ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received multiple emails about someone opening an account on Chime overnight. I contacted Chime through phone support on their website. They demanded my XXXX and XXXX to close the account, which I was not comfortable providing either. They searched via the email addresses they sent the emails to ; however, they could not " find '' the account. 

No banking company or business should be able to open lines of credit or accounts with no validation process in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have ERRORS in them. I have uploaded documents form my latest credit report PROVING that these errors exist! according to the law, credit reports must be XXXX XXXX accurate or they must be removed from the consumers credit file. 
XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX
Product: Checking or savings account

on XX/XX/20 I ordered a bottle of XXXX pills from an advertisement on my XXXX  page. I accidentally pushed a button by mistake or their website was programmed that way and I got 3 or 4 bottles of other pills I did not want. I called 5 minutes after that order and spoke to a man at XXXX  who refused to cancel those extra bottles and said to return them when I got the order. There is a time limit of returning those orders and my package arrived just before the deadline. I called immediately several times and no answered the phone. No one answered the emails either. A few days later I discovered that phone number and email address were canceled. I called Chase bank, where I have been banking for years, and I filed a dispute and I got the {$80.00} back ( that was the charge for the extra bottles of pills I did not want ). Also their ad said the XXXX pills would cost about {$29.00} but I was charged {$69.00}. 

About a couple of months later Chase informed me they had returned the {$80.00} to XXXX because XXXX said I did not return their package per their instructions. I Ireturned their package at the post office and tracked the order, because I had my return address on he box, and they did receive it. I did not see any instructions in the fine print on the ad on my XXXX page and I was not able to reach them on the day I received the package before I took it to the post office. A short while later I found a new email address for XXXX and contacted them. They sent me an email saying they made a mistake and would return the {$80.00}. I contacted them later because I didn't get the money yet and they informed me that the dispute transaction was closed by the bank and the money would not go through. I called Chase bank serveral times and sent them email messages from XXXX saying they were blocking my refund and Chase just brushed me off. I sent emails to XXXX saying send me a check and they said it would have to be refunded the way they got it and they needed some kind of proof from me. This has been going on for 5 months. They have probably done the same thing with other people. BUT WORST OF ALL MY BANK THREW ME UNDER THE BUS. I made many calls to Chase and sent them copies of emails from XXXX and they have just turned their back on me and don't care the least bit about me. That IS MY MONEY IN MY ACCOUNT. Chase does not have the right to send or spend it without notifying me first.
Product: Money transfer, virtual currency, or money service

I was offered concert tickets on XX/XX/19 in exchange for {$30.00} via PayPal. But as soon as I transferred the $ XXXX {$2.00} service fee, the scammer blocked my account and did not deliver the tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX, and XXXX authorities about the potential opening of fraudulent accounts using my personal data on XX/XX/XXXX. Since I didn't know how they got there, I pleaded with everyone to delete these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. On XX/XX/XXXX, I submitted my information. The accounts that weren't mine were still shown in my documentation because they had been " verified, '' even though I had written my letters more than 30 days before. Since it prevents my family and I from buying a home, this issue terrifies and concerns me. I contacted the XXXX companies once more on XX/XX/XXXX to ask how they could confirm that these accounts belonged to me. Since they were unable to help me further, they encouraged me to get in touch with the debt collectors directly. The client contacted all the banks incorrectly and left messages with them ; they had no idea who I was or what the accounts were about. To be sure I hadn't made a mistake, I looked on the internet. I was advised by my pals to visit the CFPB website. Because my family and I are anxious to get the home we've been looking for, I'm optimistic that this will be successful.
Product: Mortgage

NationStar foreclosed on the XXXX 's property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. NationStar vastly inflated the amount that was allegedly owed to deprived the XXXX 's of the surplus funds that should have been available after the foreclosure. NationStar then failed to respond to a Qualified Written Request that was sent to them to validate the debt and establish the true delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXX.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with Experian, as the creditor has once again revised dates, substantially changing the reporting. 
Experian refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Product: Credit reporting or other personal consumer reports

I am deeply concerned by the lack of responsibility shown in addressing the inaccuracies on my account. When will XXXX correct the erroneous information on these accounts which are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please cease any delaying tactics and rectify the accounts immediately : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4100.00} & XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$6.00}. As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Product: Bank account or service

I have online bill pay through Union Bank. In XXXX, I had XXXX bills to be taken out on XXXX XXXX, totaling {$220.00}. Because of the holiday on XXXX XXXX, they paid these XXXX bills on XXXX/XXXX/2015, overdrawing my account and then charging me {$33.00} for each online payment. ( {$130.00} total ) I have my small pension automatically deposited on the XXXX of each month, so my money was not in there on XXXX/XXXX/2015. I phoned them and asked for that {$130.00} overdraft fee returned and they said it was not the banks error so they would not return the fee. I said it was the banks error because they paid my bills early and they disagreed. I told them I would file a complaint with the CFPB and they said they would give me {$99.00} back, but not all of it. I told them I would still file this complaint if they did not refund the entire amount. I, then had XXXX checks presented and because I was overdrawn the {$31.00} ( because I had not gotten the entire overdraft penalty back ) they charged me another {$66.00} overdraft penalty. I phoned the temporary branch manager to talk to her and she would not return my call. Union Bank has my mortgage and, once when I complained about some charges, one of the reps stated, " We will always have your mortgage! '' I am in the process of changing banks, but this is so exasperating! I have banked with them for 30 years. I have my SSI and Pension automatically deposited. They are brutal charging the fees and heartless when I need help. I only have 2 more years on my mortgage, so I am happy to not have much longer to deal with this horrible!!! bank. When the banks were having their charges look into by CFPB I mysteriously had a deposit made into my account by UnionBank, not telling me why! I am thinking it was for past fees they charged me that they should not have charged me initially. As I see it, they owe me {$33.00} from the early payment of my bills online and the {$66.00} they charge me because they would not return the entire {$130.00} overdraft fee. Thank you for looking into this complaint. XXXX
Product: Credit card or prepaid card

I have been using this account for a few years and always made my payments on time but until my wife had health issues I would contact the company and paid immediately after due date to include paid late fees. This account never went past 30 days. The letter identified my open accounts and based on my credit score. My concern is until all credit reporting disputes are investigated and completed from all three credit bureaus an account with a good customer should not be closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report due to identity theft stemming from a data breach. As a victim of this unfortunate situation, I have been going back and forth with Experian and XXXX for the last 4 months and I need help correcting the errors promptly, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 605B, the credit bureaus are obligated to investigate disputed information and to delete or correct any inaccuracies within 30 days. Additionally, as outlined in Section 605B, I have the right to request that fraudulent accounts resulting from identity theft be blocked from their credit report. I had XXXX account opened between XXXX and would like this issues resolved IMMEDIATELY, it is ruining me and my children 's lives long enough.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section

1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was
never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports