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

New Information/ Complaint : Subject : Formal Credit Dispute Letter Dear Sir/Madam , I trust this correspondence finds you in good health. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reachable at XXXX or XXXX. On this date, XX/XX/2024, I present to you a formal Credit Dispute Letter under the provisions of the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681I ).

I exercise my lawful right to contest dubious information unearthed in my personal credit report, invoking specific sections of the aforementioned Act : 1. **15 U.S.C. 1681c-2 : Block of information resulting from identity theft** I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft.

2. **15 U.S.C. 1681a : Late payments under exclusions** I assert that late payments, as reported, contravene the illegality specified in 15 U.S.C. 1681a ( 2 ) ( 1 ) under exclusions. An earnest examination of this matter is urged.

3. **15 U.S.C. 1681b : Permissible purposes of consumer reports** Pursuant to this law, the implicated creditor lacks authorization to report on my credit. I insist on a comprehensive verification of the creditor 's permissible purpose and the accuracy of my complete file information, including the provision of a copy of my ID.

**Incorrect Account Information : ** The subsequent accounts are reporting inaccurately : - *XXXX XXXX- # XXXX - Reason : Identity Theft Fraud/Not mine - **XXXX XXXX- # XXXX - Reason : Identity Theft Fraud/Not mine I beseech a thorough investigation into these discrepancies and a prompt resolution of the matter. Your cooperation in rectifying these anomalies is earnestly appreciated. 

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

On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX XXXX  for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number XXXX
Product: Money transfer, virtual currency, or money service

A charge for {$140.00} was made through my PayPal debit card and drawn from my balance. The merchant XXXX, had notified me they had supressed the transaction and never processed it. They deemed there to be unauthorized activity XXXX XXXX account. My issue lies with PayPal, they have been well informed of the outcome the merchant had informed me of and provided proof of the communication. PayPal therefore never paid anything out to XXXX. Now PayPal sits holding the funds claiming merchant did not return the proper amount however merchant never completed the transaction. There is absolutely no reason why I have not gotten my money back to my account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : 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 ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXXXXXX XXXX {$690.00} Date Opened XX/XX/XXXX XXXX XXXX {$110.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

I received my XXXX statement from capital one, I noticed that they were charging me interest for an incorrect balance then I contacted the bank on XX/XX/24 at XXXX to notify them that the amount charged was incorrect and the XXXX-speaking representative XXXX responded that it was correct and I had to pay it and I asked to speak with a supervisor her name was XXXX and I told her the situation and she said that I had to pay the interest.In summary, this was the situation : the previous balance from XXXX was approximately {$540.00}, I made a payment of approximately {$340.00} minus a cash back applied to the balance of approximately {$10.00}. I had a balance from the previous statement of {$190.00} and it was assumed that I would pay interest on that amount as the same statement says on page # 6 But the supervisor is unaware of that information and hostilely refused to correct the amount and proceeded to close the account and proceed to report them to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer rights.
Product: Mortgage

Went to settlement with Academy Mortgage on XX/XX/2018 to purchase our home. We received a bill from our local town this month for city property tax in the amount of {$1000.00}. Apparently Academy forgot to add our local property tax to our escrow account without our knowledge. We are now struggling to find the funds to pay this unexpected tax or face foreclosure on our home
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with self lender in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : XXXX. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX XXXX. A credit builder account XXXX XXXX  XXXX XXXX XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from self was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Credit card

There is a Care Credit ( Synchrony Bank/GE Capital ) settlement agreement and the number on the form,XXXX goes to an automated voicemail saying that the resolutions will be completed by end of XXXX quarter 2015. We are now in XXXX quarter of 2015. No one is available to speak with me regarding my claim. The post card I received in the mail was very vague and said I " may '' get a refund check but, did not clarify the exact status of my claim. There is not another contact number or address that I can find. I feel they are not communicating properly about the agreed upon claims.
Product: Credit card or prepaid card

On XX/XX/2020 I applied for a Discover credit card online for which I had received a pre-approved invitation letter in the mail with some special terms and conditions, and with a special code to be used to start my online application. This invitation was primarily appealing to me because of its 0 % APR on balance transfers for a certain number of months and {$0.00} transfer fee for any balance transfers to be done for a certain number of months after account opening. I wanted to take up on this offer and applied online. During my application, I was asked which accounts I wanted to make a balance transfer from and in what amount. I mentioned three of my existing card accounts with all of which with different transfer amounts. When I filled out the rest of the forms and finished the application, I was prompted with a message saying that 'unfortunately, my application was not approved for which the reasons I have the right to be revealed but I could still get another Discover card if wanted to. ' I said yes and I was instantly approved. Neither I had any information whether or not this counteroffer had the same terms and conditions as the initial card that I was pre-approved for nor was I questioned if I still want to make any balance transfer to this counteroffered card had it had a different set of terms and conditions. 
A few days later my new Discover card came in the mail. When I opened it I realized that this counteroffered card had a much less favourable set of terms and conditions such as 10.XX % APR on balance transfers, xx % balance transfer fee on each transfer, a higher APR on new purchases etc. When I saw the new terms and conditions I decided not to activate my new card. To my absolute surprise, I received an email from Discover this morning stating that my balance transfer request of {$2000.00} was declined because I had exceeded my credit limit of {$1700.00}. I did not understand how it could be possible to exceed the credit limit of a card that had not yet been activated. When I called Discover, I was told that they went ahead and made a balance transfer from one of three existing credit cards ( XXXX ) those of which I shared the information during my initially pre-approved but later denied application. When I tried to explain to them that I did not know anything about this balance transfer to my counteroffered credit card which had a completely different set of terms and conditions they just said that they were sorry but they could not do anything about it. Furthermore, I also explained that this card had not been activated yet and that I have a grace period to either activate the card and thus by doing so legally acknowledge the acceptance of this account or just return the card and not accept this account, once again they said there was nothing they could do. Even though this balance transfer attempt from my XXXX account is not shown on not even as pending yet, they still refuse to cancel this transaction that is totally against my will. Can you please help me to have Discover to cancel this unjust transaction?
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card Old account from XXXX XXXX XXXX XXXX They are all close pay off Please remove from report companies
Product: Credit reporting or other personal consumer reports

The inaccurate information pertaining to Charge-off that appears on my credit report, according to the information provided, this Charge offs does not belong to me, and I believe have been mistakenly reported, The specific details of this charge-off I disputed are. 
1.Date of last reported 2.Date Open 3.inaccurate information 4.Date of last activity 5.Payment history 6, High credit 7.Comments
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Deposit with account # XXXX opened on XX/XX/2015 and a balance of {$200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received notification from the 3 credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XX/XX/XXXX. I requested for balance loan to be updated with the 3 credit bureaus and was  denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.
Product: Vehicle loan or lease

I really have a hard time understanding how Drivetime/XXXX are still able to trick and put consumers in debt for these very faulty vehicles. How is it that they are XXXX in debt but still able to sell cars? These are not inpected propetly and they give you loans that are quadruple what the car is worth. How is this possible? Yet they are will in business this should be against the law. They harrass and taunt consumers for payments yet they are no help when it comes to car problems. I want to take drive time to court and sue them they are sick to keep getting a away with this scam. Harming people who desapratlemy need a car and being dishonest. They are no help to me have'nt had my car in over a month because they want me to do all the ground work they are no help and putting me through so much for a XXXX XXXX XXXX please shut them down and make them pay us consumers back.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Mortgage

We paid of our mortgage as part of the sale of our home on XX/XX/28. Caliber is refusing to send the remaining funds in the escrow account for 21 days. Nothing in the contract says that we have to wait 21 days and they are not giving any valid reasons for this delay. It is our money and we should not have it held from us. The account is not past due and never was, nor was any payment ever missed. Again, the account is paid in full and we have already received a PIF confirmation from Caliber.
Product: Bank account or service

The complaint described herein is centered towards Citibank not advising of ATM fees at the point of transaction, and not necessarily about the fees themselves per se. 
Citibank uses their ATM terminals at many, if not all, XXXX convenience stores in this area. The ATM is clearly marked as " Citibank '' and is furtherly recognizable as such by their corporate logo. Citibank also co-markets actively with the XXXX XXXX XXXX XXXX XXXX XXXX, of which this writer has been member of since 2009. 
On many occasions, I 've used my XXXX card at the Citibank ATM terminals at various XXXX stores. Never, not even once, did the Citibank ATM prompt a warning about fees incurred by use of an XXXX card at their terminal, which reasonably leads one to assume that there are no fees. 
I believe this a deliberate act, a deceit by omission. For example, when I tried my XXXX and XXXX cards, the Citibank terminal display will promptly, and quite correctly, apprise me of the imminent usage fees incurred by both Citibank and the card issuer, at which point I 've always declined. 
In all, I 've been relieved of approximately {$50.00} ( {$2.00} withdrawal and {$.00} inquiry fee ) in unsuspected fees in just the last month. My investigation is ongoing back to when I joined XXXX in 2009, which may be more or less that stated amount, but it 's entirely plausible that I 've lost approx. $ XXXX {$700.00} dollars a year for the last 7 years that I 've been a member of XXXX , which I only discovered serendipitously while checking my account relating to another matter. If warranted, I 'd like to be remunerated for these fees entirely as well as punitive damages. 
Moreover, there are potentially hundreds, if not thousands, of XXXX employees that are unaware of such fees. Citibank certainly is n't saying anything. Moreover, I would n't be surprised if the XXXX, and even XXXX, are complicit in this matter. It 'll be interesting to see where this investigation goes. 

After all, XXXX XXXX started out as " nothing '' ...
Product: Credit reporting or other personal consumer reports

The following information needs to be investigated.I d I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. id not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint.
Product: Bank account or service

I filed for bankruptcy in 2016. The lawyers office notified all my creditors and the bank. My bank at the time was Bank of America. The bank allowed XXXX to retrieve the funds from my account during the bankruptcy and left my account in a negative state. The lawyer 's office faxed the bank over documents to show that nothing is to be paid until we go to bankruptcy court. The bank still allowed the transaction to go through and now I 'm left with a balance of over {$900.00} and a mark on my credit report.
Product: Checking or savings account

On XX/XX/23, I presented claim # XXXX to Wells Fargo for a fraudulent charge made to my checking account on XX/XX/23 for {$470.00}. I received a response dated XX/XX/23 indicating my claim was denied " because too much time passed before I notified them.I did not receive any alert from the Bank as I have requested. 

On XX/XX/23 I presented another claim # XXXX for {$1000.00} charged to my business account on XX/XX/23. I received another resolution denying my claim for the same reason ; even though it indicates " we need to return any unauthorized CCD payments... no later than the second business day after the transaction occurred '' This transaction was made no later than the second business day after the transaction occurred. Nevertheless my claim was denied. I did not receive an alert either for this transaction. 
I have been a victim of many attempts to take money from my business account. They even recommend I close a previous account and open this one. The results were the same. I have been a client for XXXX  years, never before with any fraudulent attempt and no interest payment. 
I deposited the money in the bank because I don't want it to be stolen in my house. It's a shame the Bank does not want to be responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted collector about original date of debt being wrong. Dispute filed because they went in and changed the date. Debt is more then 7 years old. Was told I could still be sued over amount owed.