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

My credit report is still showing late payment on XXXX XXXX XXXX XXXX despite the multiple letters I sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items that I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX, XXXX, XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was sent an email from Paypal , Inc. Stating that my account had been limited and I was no longer able to use their services or hold an account with them. They made the claim that I was " Selling XXXX oriented Content '' Yet I have not used the account to sell anything in years, and when I did it was never anything of a XXXX nature. Looking at my transaction history shows I haven't sold anything to anyone, I have only recieved money from family, the same two people who have been sending me money for years. Paypal in making this false claim against me has frozen all the money I have to my name for 6 months wrongfully and had made a massive inconvienience on my life. I have attempted to contact Paypal , Inc. And they refused to do anything to resolve the issue or provide me with any further information.
Product: Checking or savings account

I have an issue with my Claim ID # XXXX. They are saying that I can only close my account if my balance is at {$0.00}. That is still implying that I 'm accountable for recovering the fraud funds that were processed by the bank, and withdrew by me because of the bank showing false and insufficient funds. I am a customer with Bank of America that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for Bank of America processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into another account as instructed. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people. If you do not have that amount available then the check should not be processed. The fraud department of the banks should do a better job catching these types of scams before they go bankrupt and that 's why they make the consumers accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 my Credit Repair Company XXXX XXXX XXXX XXXX sent XXXX dispute letters to XXXX to the following companies : XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX never responded with information requested concerning my Credit Report with the Company nor me, but instead sent me a letter mailed on XX/XX/year> explaining I could file disputes without a Credit Repair Company to save money and wanted me to Start a New Dispute. I have attached the letter.
Product: Debt collection

I have sent a few different disputes to this company that have yet to be responded to properly in accordance with FDCPA. Yet they continue to contact me, charge me, report deceptive and inaccurate information to my consumer report while in dispute and after written notices of being told not to.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & XXXX XXXX XXXX XXXX  Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 
XXXX XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX Equifax XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dealers, Used XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX XXXX XXXX Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX Tenant Screeners ( Reseller ) XX/XX/XXXX XXXX XXXXXXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XXXX XXXX XXXX Dear XXXX, TransUnion, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX XXXX NOTE : Valid FTC REPORT ATTACHED, drivers license and social security card
Product: Debt collection

XX/XX/XXXX, I did not have any communication with XXXX XXXX XXXX in XXXX. They are attempting to collect a debt that is not owed to me. This is FRAUDULENT.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Wells Farg

o Fraud in the Inducement Regarding Promotional Bonus To Whom It May Concern, I am writing to file a formal complaint against Wells Fargo Bank , N.A . for what I believe constitutes fraud in the inducement related to a promotional offer for opening a checking account.

On [ Insert Date You Opened the Account ], I opened a Wells Fargo checking account after speaking with a representative over the phone. During the call, I was assured that if I deposited {$1000.00} and maintained that balance for 90 consecutive days, I would receive a {$320.00} bonus within 30 days of meeting the terms. Based on this representation, I opened the account and followed all instructions provided.

However, after completing the 90-day period and not receiving the promised bonus, I followed up with Wells Fargo over the phone. I was advised to visit a nearby branch for further assistance. At the branch, I was informed that I was required to enroll in direct deposit to qualify for the bonussomething that was never mentioned during my initial phone conversation. The branch representative further stated that this requirement was buried in the account disclosures provided at the time of opening. 
This situation exemplifies fraud in the inducement, as I was verbally promised one set of terms, which led me to open the account and deposit my funds, only to be later told that additional, undisclosed requirements applied. Wells Fargo can not legally provide misleading verbal instructions and then rely on complex or hidden disclosures to avoid fulfilling their promises. 

I am requesting that the CFPB investigate this matter and hold Wells Fargo accountable for deceptive practices. I am also seeking that Wells Fargo honor the originally promised {$320.00} bonus as communicated over the phone.
Product: Credit reporting

On XXXX XXXX, 2015 I requested that TransUnion investigate XXXX XXXX XXXX XXXX tradelines listed on my credit report, numbered XXXX ; the same tradelines I successfully had removed from my XXXX credit report. In the complaint I requested that they provide me with documentation of their verification process to ensure that they performed their due diligence. On XXXX XXXX, 2015 I received my dispute results ; XXXX of the tradelines were removed, however the other XXXX remained. To date I have not received any documentation surrounding their verification of the remaining XXXX trade lines. 

Prior to filing this complaint I called TransUnion and spoke to a representative ( XXXX/XXXX/2015 @ XXXX ). I spoke with an extremely arrogant representative who dismissed my complaint as being inconsequential to the validity of their report.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses, name and phone number on my credit profile.
Product: Checking or savings account

XX/XX/XXXX recieved a call from Chase Bank that someone was trying to use my debit card in XXXX for a target purchase and we're trying to verify if it was me making the purchase. I told them no and they did not authorize the payment and ordered me a new debit card and was charged {$5.00}. The following day i recieved an alert from Chase that my funds were under {$50.00}. I checked my Chase Bank account and there was multiple unauthorized charges that were charged to my account. There was a XXXX withdrawal that was done at a XXXX XXXX according to the bank, another unauthorized charged for {$480.00} that was done at a non Chase atm withdrawal on XX/XX/XXXX that also caused me to get a {$3.00} fee charge for using a non Chase ATM at XXXXXXXX XXXX XXXXXXXX. In addition to this, there was XXXX separate transactions that were done at XXXX in XXXX XXXX XXXX. A purchase for {$65.00} with {$100.00} cash back, so {$160.00} and another purchase for {$4.00} with cash back of {$100.00}, so {$100.00}. I called Chase Bank to file a claim and also XXXX XXXX to let them know what was going on with my bank account since I submitted a payment of {$1500.00} and that it would most likely bounce since my Bank Account was closed and had to open a new bank account since someone had stolen my debit card information with me still having my debit card on hand. Chase discarded my old bank card and was waiting for my new bank card to arrive in the mail. The mortgage company explained that I had until XXXX  XX/XX/XXXX to submit the payment again before it was reported to the credit bureau. Chase Bank gave me a temporary credit for the {$480.00} and for the XXXX purchases for {$160.00} and {$100.00} but then recieved a letter that my claims were denied since a pin was entered for these transactions and that I would be liable for paying for these transcriptions since there was no way to prove that it wasn't me who made these transactions. I filed a police report on XX/XX/XXXX regarding my money being stolen for identity theft. The bank also has not given me the XXXX refund since it's still an open investigation and my mortgage payment still has not been submitted. When I called Chase on XX/XX/XXXX regarding the letter they said that my username and password needed to be changed since someone reordered a replacement card online sent to a different address. I explained to Chase that I need my full refund and they had me re open a new claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : 1 ) XXXXXXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. DELETE immediately Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses 1 ) XXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. PLEASE immediately. 

XXXX XXXX
Product: Bank account or service

XXXX as part of an XXXX XXXX, 2015 refuses to remove erroneous and fraudulent items from my credit report, a report that has several names which are not mine, a birth date that is incorrect and several address 's and judgements which are not mine. 
this account is not mine and I demand it be removed : WELLS FARGO BANK XXXX ... ...
Product: Money transfer, virtual currency, or money service

I had a large amount of GYEN in my Coinbase account. I tried to transfer it to another crypto, it failed. I tried again and it went through, but not for the amount I was shown would be traded. Everything else disappeared - I lost about {$8000.00} usd worth of XXXX into thin air. So {$10000.00} usd or equivalent in crypto seems fair. 

Lots of other people had the same or similar issues. 

If I go to the grocery store and a bag of apples is XXXX I get a bag of apples for {$5.00} - even if they meant {$15.00} If Coinbase showed me transferring from one crypto to another at one price, I should get it. So should everyone else who had these issues.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : COLLECTION ) # XXXXXXXX XXXX XXXX  : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.