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

I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name/Number : profolio recovery associate Account number XXXX XXXX  Violations : inaccuracies failed to do a proper investigation The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing. 2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision. 3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information,
such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees.

Requested Actions : I hereby request the following : That [ experian in equifax ] conduct a thorough investigation of the disputed information.

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report.

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted.

Supporting documentation, including [ proof of payment, correspondence with the creditor, etc. ].

A copy of my identification and proof of address to verify my identity.

Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights.

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ).

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I attempted to pay off my auto loan with Chase. Chase does not allow you to use your linked bank account to make the final payment, and when I typed the number manually I accidentally left a single digit out of the account number. 

Chase failed to catch the error and instead is attempting to process the payment. Starting on XX/XX/XXXX, when I realized my mistake, I have called chase 8-times to make them aware of the issue. I have also sent multiple messages in their secure message center, requesting for the payment to be canceled so that I can process a correct payment. I was told not to worry, that the problem would sort itself out and that I would not be assessed additional interest or penalties, which is proving to be anything but true. I was also told the payment would bounce back in 2, then 5, and then eventually 10 business days, before being told today ( XX/XX/2020 ) that the payment will be outstanding until XXXX ( my bank ) rejects the payment. I have called XXXX to inquire about this process, and they informed me that they do not send rejections for incorrect account numbers. Furthermore, they searched their system for the payment amount that would have been requested from the incorrect account, and discovered that Chase has not sent a single request for the payment. I let Chase know this, but their representatives still refuse to accept any responsibility to flagging the payment. They are saying it is out of Chase 's hands, unless XXXX contacts them. 

Furthermore, I was informed that Chase has already sent the title, despite the payment not processing. Now, if the issue every gets flagged, they will need me to send the title back and go through the process of reopening the account. Keep in mind it could be months or years before Chase is able to resolve this. All the while, I will be incurring interest and penalties to the detriment of my credit score and long term financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX was sent letters by myself to remove 1 account with inaccurate data across all 3 reports, they have since after receiving the letters updated all 3 reports with more wrong information and all 3 reports are still mismatched one showing charged off one showing open with no balance one showing a balance and open all 3 have wrong opening dates, last payment dates and last reported activity dates another, another account i asked about to be removed due to also has wrong dates balances and last time paid and the account is paid off and not reflecting on any of the 3 credit reports this is making it hard for me to obtain a mortgage due to this inaccurate information i have asked to be removed off my credit report
Product: Mortgage

On XX/XX/2022, I formally requested cancellation of my PMI based on the appreciated value of my home. I requested the cancellation through my mortgage servicer ( Truist, formerly SunTrust ). I requested this through the chat feature on their website, and phoned the customer service line, speaking with a representative to make sure that I was taking the proper steps to get started on that process. I was told that someone would follow up with me in 30 days. Today is XX/XX/2022. This is over 30 days after the initial request, and still no follow up from Truist. I reached out to customer service again via the online chat feature. I went through the proper steps to chat with a representative about cancelling my mortgage insurance. I was placed on hold for approximately 1 hour before I finally received a response. The response was the same generic response I received 35 days prior. It read something like, " We have received your request to cancel PMI, we will get back to you within 30 days. '' The representative immediately closed the chat without even a chance for a follow up from me. I called the customer service line to be connected with a representative over the phone. The automated message service told me I would be placed on hold before the line went completely blank. No hold music, no connection with a representative. Just slight static.
Product: Debt collection

Repeated calls, mail, reporting to credit agencies. I did not agree to have my information given to third party agencies.
Product: Credit reporting or other personal consumer reports

I have not supplied proof underXX/XX/XXXXI pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate practices, which violate the consumer financial 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: Checking or savings account

My reason for contacting the CFPB is due to Bank of Americas unfair and deceptive practices. On XX/XX/XXXX XXXX mobile deposited a refund check from my college tuition fees for {$5000.00} since I decided not to continue attending there during the first week. It showed as of XX/XX/XXXX my funds would be released from the hold that was in place. XX/XX/XXXX I called and spoke to a BOA representative due to my online access all of a sudden being restricted. I was told my account was locked because they deem it was at risk of fraud. They informed me my account would be closed as of XX/XX/XXXX. That I would be receiving the remaining balance in my account in a cashiers check, theyd be mailing to my address on file. My balance at that time was {$4800.00}, after they took out what I was over-drafted which was {$100.00}. I then received an account closure notice once again stating the remaining balance would be mailed to me. About a week later I received another notice stating that the funds were being frozen under there deposit account agreement and to call their client protection team. On that phone call I was told that the funds are being held at harmless by the back office team and that unless the merchant is to file a claim for the funds back and reissued the check to me, they would not be releasing any rightfully owed funds to me. Today XX/XX/XXXX I received a statement in the mail showing a transaction on XX/XX/XXXX for the exact amount of {$4800.00} with a description that says Account Closing Transaction. Yet Im still to receive anything else from BOA. I feel as if BOA is retaliating against me for filing previous Complaints against there Subsidiary Merrill Lynch which has continued to use unfair and deceptive practices against me for over 5 months.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number 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: Checking or savings account

Subject : Formal Dispute of Fraud Claim Denial Urgent Request for XXXX Dear Wells Fargo XXXX XXXX XXXX, I am writing to formally dispute the recent denial of my fraud claim and to demand immediate reconsideration based on critical information and supporting documentation regarding the fraudulent activity that occurred on XX/XX/year>. 

Summary of Incident : At approximately XXXX XXXX  on XX/XX/year>, unauthorized access was gained to both my checking and savings accounts. 

Within minutes, XXXX new accounts were fraudulently opened in my name. The fourth attempt was blocked. 

By XXXX XXXX, I received a call alerting me to suspicious activity. I refused to give information over the phone and instead went directly to my Wells Fargo branch in XXXX, XXXX. 

The local branch confirmed multiple accounts had been fraudulently opened and began the process of closing them and starting an investigation. 

Simultaneously, I discovered my cell phone was no longer functioning. Upon contacting XXXX, they confirmed that, overnight, my account had been accessed, my number cancelled, and a new phone number ( XXXX ) was activated on an XXXX using XXXX XXXX none of which was authorized by me. 

With this new XXXX and access to my banking info, the fraudster made unauthorized XXXX XXXX charges, primarily in the XXXX XXXX. 

Wells Fargo was able to recover {$2500.00}, but I have now received a denial letter stating that the claim has been denied based on the information available to us... we were unable to identify any indicators of fraudulent activity. This is a shocking and unacceptable conclusion. 

Why Your Denial is Incorrect : The phone number and device used were not mine. Spectrum has verified that this change was not made by me and involved a new device. 

The online sessions were not from my device or IP. Any claim that the login was secure does not mean it was me. My SIM and account were hijacked overnight. 

The fraudulent activity began at XXXX AM, while I was asleep. I only learned of it at XXXX AM and took immediate action. 

Transactions occurred internationally, in locations I have never been. 

Requested Action : Reopen my fraud investigation with proper consideration of the full facts. 

Provide the IP addresses, device information, and timestamps of the sessions Wells Fargo believes were secure. 

Refund the remaining {$4800.00} that was fraudulently taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of account which does not belong to me or was opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX  Auto Financing XX/XX/year> XXXX XXXX Auto Loans XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/year> XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/year> XXXX TD AUTO FIN Auto Financing XX/XX/year> XXXX XXXX Auto Loans XX/XX/year> XXXX car dealer passed around all my information. with out my consent. I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1666b - Timing of payments, I, XXXX XXXX, federally protected consumer, am aware XXXX XXXX is in violation. I am demanding XXXX XXXX to update my account with no late payments, no negative information reporting to consumer reporting agencies on my behalf and demanding all positive reporting.
Product: Checking or savings account

On XX/XX/2023, a refund of {$70.00} was posted to my account. However, my account balance does reflect the reflect the reversible adjustment in the amount of {$70.00}. The reversible funds should be {$70.00} not {$70.00}.
Product: Mortgage

I have already filed a complaint against this lender. The case was closed, but the problem persists. I have faithfully paid my mortgage and also principle abatement payments every month. Since XXXX of 2019 I have made 6 payments of {$2300.00} the lender reversed one of them and is not crediting my account. The lender states that they have corrected any problems, yet my statements continue to show less than I have paid. All of the numbers are wrong, the principal balance remaining, the interest paid and still owing. 6 payments @ $ XXXX {$13000.00} yet my statement shows that I have only paid {$11000.00}. I am tired of chasing after this lender, this problem has only existed since they merged or were acquired and became XXXX. I insist this issue be corrected and a new statement sent showing what Ive actually paid.
Product: Vehicle loan or lease

Send out a pay to delete letters Ive tried to get in contact with them no one answered this has been going on for 2 years now
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were 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 XXXX XXXX XXXX XXXX XXXX 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

I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly complained about the dates and status being incorrect with the bureaus on this sold and charged off account. Each time the bureaus update it with the dispute dates for the last reported and last payment dates of the disputes, it finally succeeded in lowering my scores by XXXX points with one of my creditors. They denied me credit based on the lower scores which weren't present when I ran my credit on the XXXX  of each month. They only use XXXX and told me what lowered my scores. They said that XXXX was a new charge off and had lowered my score by XXXX points based on the date reflected on the report they ran in early XX/XX/. I am tired of this being an issue and therefore am turning this over to the CFPB to do something about this. They're all breaking the laws. They send me so called proof that it's now reporting correctly, then when I run my reports it's still incorrect. So what is the real problem here? The bureaus are lying and sending out false information in order to satisfy a time line to respond to the CFPB, not to actually correct the information as I've requested several times. It's time to take action and do something about it if they can't get the information right! Instead of Equifax looking into it they send me repeated demands to identify myself! Not the first time I've complained on this venue but they use that as a tactic to NOT investigate errors made by their clients! I'm not accepting that and refuse to send them anything personal. I give them what they need here. If they don't like it then they need to be investigated for their refusal to honor disputes.
Product: Credit reporting

Company agreed to remove this debt from my credit report. It continues to appear. Please have it removed from all XXXX bureaus per the attached document citing their written agreement to do so. This information continues to negatively impact my credit report and my ability to obtain new credit and qualify for a mortgage.
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 Number : XXXX : Balance : {$3300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Equifax has failed to protect me as a consumer. I have filed several complaints as far back as the end of last year with equifax due to insertion on my credit report by XXXX XXXX. My rights have been violated and overlooked continually. Equifax has stalled on various occasions and waited far beyond 30-45 days to respond to me. I have repeatedly denied these accounts are mine and I sent equifax copies of my I 'd theft report and a police report copy showing that my items were vandalized. Equifax always reposnds with " item verified. '' This leaves me no recourse but to Pursue further her action as they have failed to delete this accounts by XXXX XXXX. These are not my accounts and equifax has continually reported these accounts falsely. 
Acts XXXX Acts XXXX