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

To Whom It May Concern : I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX originally advertised {$150.00} for the services I needed, only to come back to charge an additional XXXX dollars that made my credit card go over its limit, and now its reported as a negative derogatory on my credit report. 
XXXX XXXX falsely advertised the cost for its services. 
Amount : {$260.00} Please help me remove this false claim against my credit Best regards,
Product: Credit card or prepaid card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX XXXX XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan XXXX, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, and Experian have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court
Product: Checking or savings account

I have a checking account with Wells Fargo, and I received a promotional offer to Get {$2500.00} bonus when you upgrade your banking relationship to Wells Fargo Premier. My offer code is XXXX. 
A banker, at the branch, applied the offer code and upgraded my relationship to Wells Fargo Premier on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$2500.00} bonus. 
The bonus requirements are as follows : 1. " Upgrade to a Premier Checking by XX/XX/2023. '' I upgraded my account to a premier at the branch on XX/XX/2023. 
2. " Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after account upgrade. Qualifying linked accounts include ( a ) bank deposit account balances ( checking, savings ) ( b ) investment account balances. 
In my case, I needed to bring a total of {$250000.00} or more by XXXX XXXX, XX/XX/2023. By XX/XX/2023 ( Day XXXX ), I already had over {$250000.00} in new deposits in my 3 qualifying linked accounts. ( {$25.00} in the checking account, {$25000.00} in savings account, and {$220000.00} in my investment brokerage account ). The 90 Day was XX/XX/2023, yet I continue to maintain over a {$250000.00} balance through today, XX/XX/2023. 
Although I met all the requirements, I did not receive the {$2500.00} Bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Navient loan ... XXXX XXXX XXXX, XXXX, XXXX ... XXXX XXXX XXXX XXXX wants to be released. 
# XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has submitted paperwork to release co-signer XXXX XXXX XXXX from loan. 
Navient has not responded, in violation of their stated protocol for releasing co-signers two weeks after paperwork is submitted. Why is our son being discriminated against? XXXX XXXX XXXX is retired and needs the peace of mind to be released from XXXX duty. XXXX XXXX XXXX, XXXX is paying loans on time by auto pay on schedule.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Unfortunately it has come to my attention after paying my mortgage each month I was in defaultt for nonpayment by my wife. unknown to me they call me direct which I made my payment in full and and current and mailed it to them. but they sent it back stating the next payment was due and return The check back requesting another payment due each time and each time they will send another check this was done numerous times .till I was sent a foreclosure notice and then the sent The checks. I imediately retained a lawyer to represent me in the foreclosure matter .I was told that this would take some time. after waiting for an extensive amount of time. I went back to the lawyer what I was told that there was no set date yet. fed up with waiting on XX/XX/2016 I want for consultation with another lawyer. when she did her research on the case file it was brought to our attention then that the foreclosure process was done and the house is sold one year prior. they stated we were notify about the whole process by sending notice to XXXX kids in college XXXX XXXX an XXXX XXXX there were no notices or statements I was not notified in any time or anyway. I was never given a chance to protect my house which I invested in or shelter for my family. I was treated unfairly even at the closing purchase of this house I was told by my by my lawyer in all his years of practice he has never seen anything like this I was fed to the wolves. to whom it may concern I am asking you to take a good look at these people and my case thank you in Advance XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's XXXX and XXXX inaction violates federal law and my rights as a consumer. XXXX XXXX and Experian have allowed negative remarks to be made against my accounts while matter was still in dispute process. Basically backdating information to harm my credit report intentionally because I disputed account information or inaccuracies. They have removed comments and re added them at a later date such as unable to locate customer or terms and have deliberately continued to put inaccurate information on my reports only to cause harm as opposed to resolve inaccuracies and fair reporting by these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her permanent and totally XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to Navient by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX  on today with Navient and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, Disability letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my XXXX credit report it isn't reporting on any of the other reporting agencies.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) do to inadequate customer service and unfair practices which violates the consumer Finacial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This debt buyer/collector has posted debt on my credit reports that I have no knowledge of. As of today, XX/XX/24, I have yet to receive anything from them by mail, especially validation of the debt that I have requested twice in the past several months. This company has been constantly calling me for almost a year now. I block the numbers, yet they keep calling from a different number. Most of the numbers are robo calls from spoofed numbers appearing to be local numbers from my area code. I answer a call on XX/XX/24, after a long pause, someone finally came on the line, advised me the call was recorded. I specifically told them I will not conduct any business over the phone, only in writing, and to stop and cease calling me. I also requested validation of any debt I allegedly owe. I was told by the person they will mark it to stop calling. Then the calls started again on XX/XX/24, then again on XX/XX/24. I answered again. Again after long pause, someone speaks, tells me I am on recorded line. Again, I state I will not conduct any business over the phone, only in writing, again I requested validation of alleged debt, stated I am on the do not call registry, and to stop calling. I also stated if called again, then I would get my attorney involved. Was told by person on phone that they will mark it as cease and desist, and wont call anymore. No calls since XX/XX/24 until today, XX/XX/24, I receive another call from them, I answer, long pause, but no one says anything, then when I am about to hang up, someone says " call answered, no response. '', and hangs up. This is getting ridiculous. As of today XX/XX/24, no validation of this so called debt, and more phone calls after 2 times of requesting to stop. Past calls received as follows : Always mostly during my work hours, sometimes on weekends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is as far back as my current phone log will go.
Product: Checking or savings account

on XX/XX/XXXX i called chime because my phone was taken and i had XXXXXXXX XXXX in multiple transactions pending for charges i never made or allowed XXXX XXXX XXXX {$400.00} {$200.00} {$100.00} $ all within XXXX hours of each other. i told them i did not make these charges can you un pend them i had to get a new phone. they said they cant call when they are no longer pending and we will dispute them. i called the very next day and disputed them. the site that had my card and the transactions were done on was draftkings. some how they managed to deposit XXXX XXXX from my bank to this site with out needing verification codes or any proof that amount in a short time was legit. draftkings has NO CUSTOMER SERVICE number its a voicemail and they never contact you back i send them over XXXX screen shot emails of me trying to contact draftkings to dispute this and they don't respond draftkings customer service is non existent and doesnt care thats not fair. they only way they would help me is if i admitted the charges were mine and thats not right i have email proof of them saying that
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 
1. XXXX XXXX Credit Card 2. XXXX XXXX Auto Loan 3. XXXX XXXX XXXX  XXXX Credit Card 4 XXXX XXXX XXXX XXXX XXXX Auto Loan INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
INTERNAL REVENUE SERVI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ), I request that all the information listed on my credit report be blocked from my consumer credit file with your company pending your full investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance Under the Fair Credit Reporting Act ( FCRA ) Dear Experian Dispute Department, I am writing to dispute inaccurate and misleading information on my credit report that remains uncorrected despite my previous attempts to resolve the matter. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Experian is legally required to maintain accurate credit information, conduct timely investigations, and correct errors. Your failure to comply with these obligations has caused harm to my credit standing and financial well-being. 

Disputed Item ( s ) : XXXX XXXX XXXX/ XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Violations of the FCRA 1. Negligence and Failure to Maintain Accuracy ( 1681e ( b ) ) Experian has an obligation to ensure the accuracy of the information it reports. Your failure to correct this inaccurate information demonstrates a lack of reasonable procedures to assure maximum possible accuracy.

2. Failure to Investigate Disputed Information ( 1681i ( a ) ) The FCRA mandates that Experian conduct a reasonable reinvestigation of disputed information within 30 days. If Experian has failed to verify the accuracy of the disputed items within the required timeframe, it has violated federal law.

3. Civil Liability for Willful Non-Compliance ( 1681n ) If Experian knowingly and willfully failed to correct or remove inaccurate, misleading, or unverifiable information, you are liable for damages, including actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees.

4. Civil Liability for Negligence ( 1681o ) If Experians failure to comply with the FCRA was due to negligence, you may still be held liable for actual damages and legal fees.

Demand for Immediate Action I demand the following actions be taken immediately : A thorough reinvestigation into the disputed item ( s ).

Removal or correction of any unverifiable, outdated, or inaccurate information.

A written statement confirming the results of your investigation and an updated copy of my credit report.

Failure to comply with these legal requirements may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages caused by your negligence and non-compliance.

I expect a response within 30 days from the date of this letter, as required by the FCRA. Thank you for your prompt attention to this serious matter. 


Sincerely, XXXX XXXX
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 Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX 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 card or prepaid card

I used SAFEDRY CAPET CLEANER 100 % SATISFACTION GUARANTEE to clean my CARPETS. Charge was to be 'Special 3 room 's {$99.00}. THE CARPETS WERE DIRTIER THE NEXT DAY AND THE CHARGE WAS {$50.00} more than quoted. I called XXXX the manager, he said they would be out to RECLEAN FRI AT XXXX. My yard man XXXX XXXX and I waited from XXXX. No SafeDry RECLEAN PERSON CAME. 
I CALLED FIDELITY CUSTSERVICE TO DISPUTE They said, CANT, HASNT POSTED NEXT DAY Fidelity : CANT DISPUTE HASNT POSTED STILL PENDING 5TH CALL TO FIDELITY OK DISPUTE FILED, YOU ARE FINE T W O WEEKS LATER AFTER MOVING TO MY SUMMER HOUSE IN OHIO, I RECEIVED A LETTER FROM FIDELITY IT SAID DID NOT MENTION EVER BEFORE FIDELITY SAID XXXX REQUIRES US TO HAVE YOU HIRE ANOTHER CARPET CLEANING COMPANY TO GET ANOTHER ESTIMATE AND SEND IT TO US, FIDELITY I CALL ABOUT THE LETTER, WHICH SAYS THE ESTIMATE IS DUE T O M O R R O W I CAN NOT I AM XXXX MILES AWAY AND WHY DIDNT YOU EVEN MENTION N THIS REQUIREMENT WHEN I FILED THE DISPUTE HE ANSWERED I DONT KNOW, XXXX JUST STARTED REQUIRING THIS NO, THATS A LIE, I CALLED XXXX, THEY SAIDITS A LIE
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times regarding inaccuracies in my credit report, specifically incorrect mortgage balances and inaccurate credit card balances with KeyBank. Despite my repeated efforts, I continue to face difficulties in getting these issues resolved. This ongoing problem is now directly affecting my livelihood, and I need it addressed immediately. 

KeyBank 's last reporting date was XX/XX/XXXX. 
XXXX XXXX XXXX last reporting date was XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  last reporting date was XX/XX/XXXX. 

None of these have been updated since then.
Product: Credit reporting or other personal consumer reports

In accordance whit the fair credit reporting act account # XXXX XXXX XXXX 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 connot furnish a account without my written instrucctions.