23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX  To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Product: Credit card

I did a credit review in notice late payments from XXXX XXXX was reinserted back onto my credit report without any notice after they was previouly removed from my report
Product: Student loan

Many years ago, I was on IBR for all of my loans. When I rectified and my payment was {$0.00}, for some reason, the IBR wasn't applied to all loans so 1 erroneously went into default. That year, I got my tax refund garnished and the money was sent to that student loan. I contested it with the IRS and they agreed that it shouldn't have been garnished and sent me the money back after it was already applied to the loan. The loan servicer instead of increasing the balance for what they returned to the IRS created an entirely new loan for what they sent back. This really, really screwed my PSLF. At the time they did that, I was coming close to XXXX PSLF payments and loan forgiveness. All of my loans did get forgiven except the newly created one ( that they never ever should have 1 ) garnished and 2 ) created a new loan for .... it was on an existing loan that they should have just reversed the payment from the IRS not started a new loan! ) That has to be illegal. Anyways, because they started a new loan instead of just reversing the payment, it lost all the history. I want my history applied to that ridiculously newly created loan that they never had my authorization to do nor create so that is can get forgiven with PSLF since I am eligible. They should have just reversed the payment ( that they never should have taken ).
Product: Debt collection

the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have failed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Checking or savings account

I have my checking account with Wells Fargo bank for about seventeen years, but I notice in the year XX/XX/XXXX that Wells Fargo had opened about four lines of credit on my name and only one of them had my consent. The problem started when the bank without authorization was doing automatic draft from my personal account and at the same time I was paying my obligation by check as a result the bank has an amount of {$45000.00} taken from my account between the years XX/XX/XXXX and XX/XX/XXXX.the reason because I am complaint at this time is because was to hard to get the bank information even though I visit the branch frequently and I have been in contact with personnel of the bank but I do not see the wiliness of Wells Fargo in dealing with the problem instead they address me to a third party that has nothing to do with the case. I am tired to visit Wells Fargo other locations with not result. in the present I do not have sufficient availability to hire a lawyer, I hope the laws and regulation to provide me protection on issues like the one I am facing now.
Product: Checking or savings account

I opened an account with M & T bank. The account has been active and in good standing. M & T has placed a freeze/hold on my account claiming they need to validate my identity by visiting a branch. They don't have any branches near me and refuse to resolve the matter any other way. 

At this point they do not allow me access to my funds and refuse to close the account. They're blocking any transactions to my account as well. The account was originally opened online and they never requested me to visit a branch during the account opening process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain car and home insurance from XXXX XXXX XXXX. However, when my risk report was run by LexisNexis there was old information listed which prevented me from obtaining car and home insurance. I was denied because of excessive overall " claims ''. Many of the older claims were just having my car towed to the repair shop and not a comprehensive claim were the total was over {$1000.00}. My report is showing claim items like a " tow '' as a comprehensive claim. Additionally, claims on my property insurance are also showing up under my auto insurance claim history by LexisNexis which is what all Insurance Agents use to underwrite and write a new insurance policy.
Product: Credit card or prepaid card

I noticed that my fico credit score had decreased by 20 points. On XX/XX/20 I called Capital One to question them why my credit limit had decreased. The customer service personnel stated that they decreased my {$11000.00} to {$6000.00} effective on XX/XX/20. I did not receive a letter about the decrease until XX/XX/20. I've always made my payments on time and have never had an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked wells fargo via fax and email request for copies of documents that have been signed on or around XX/XX/2020 per the email i received from wells fargo. 
I am requesting all copies with my signature from XXXX and the documents that were submitted on or around XX/XX/2020 with my signature as indicated on the email i received. 
Please see images attached
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a XXXX XXXX XXXX from carmax XXXX XXXX then carmax XXXX XXXX sells, assigns and transfer the vehicle to carmax business services, which is on my contract. Now i am paying to carmax finance which has a different XXXX number from both carmax XXXX XXXX and carmax XXXX XXXX  which both have separate XXXX numbers, which the IRS states are all different entities. 
I am disputing the discrepancies on the agreement about who has the lien/ owns the vehicle, i ask for a UCC -1 statement of lien release because i searched on the Secretary Of States website for the lien on the vehicle and there was none.

And the second discrepancy is carmax Dealer services contract agreement says you understand that you may buy the vehicle described below for cash or credit, by signing this contract, you choose to to buy the vehicle on credit under the terms on all pages of this contract.

So this is clearly a violation of TILA, FTC, and is subjected to fines or imprisonment. 
I have enclosed al related documents communication which i have sent to carmax finance with no response or what i have demanded. The contract should be deemed null and void because of the fraudulent nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing XXXX  work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX  breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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

XXXX, XXXX XXXX, XXXXXXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One/XXXX XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent XX/XX/XXXX that left an inquiry on his XXXX  credit report. An official dispute of this application was mailed certified with return receipt to Capital One/XXXX XXXX XXXX XX/XX/XXXX ; however as of this date Capital One/XXXX XXXX XXXX failed to provide a reply or an update to the investigation status of this issue. This is a violation of the FCRA and my client 's federal consumer rights.
Product: Debt collection

I have received XX/XX/2022 documentation indicating that a judgment to execute garnishment for the Amount of {$14000.00} at a rate of 4.25 %. This may also includes seizing any assets and or bank accounts. I have no idea who is the plaintiff and what is the debt for. Try to contact but no answer to the phone in record. Name of the Company is Island Portfolio Services, LLC. Representative of XXXX XXXX XXXX, XXXX. Name of the agent is XXXX XXXX, address of record is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I wanted to add that I am veteran receiving XXXX benefits from both the Veterans Administration and Social Security Administration. This situation is creating a hostile environment and uncertainty of my care.
Product: Credit card

I initiated a transaction using my financial institution 's web portal XXXX XXXX XXXX XXXX XXXX ) to pay off my XXXXXXXX XXXX issued Bank of Hawaii XXXXXXXX XXXX XXXX credit card bill. 
I inadvertently selected the incorrect 'from ' account, and the transfer could not take place due to insufficient funds. 
A few days later, on XX/XX/XXXX, I was charged {$29.00} separately by both the bank and the credit card company ; paying nearly {$60.00} for a very simple error on my part which in no way could have generated a similar loss or cost for those institutions. My account is not overdue, late or otherwise compromised, and I always pay it off in entirety each month. 

I called both my bank and XXXX, explained that their costs to attempt the ACH could not have been {$29.00} and requested a refund, a request they both declined. 

I feel as if this fee is malicious, petty and unnecessarily high. 

To make matters worse, their customer service centers each put me on several long phone holds and wasted over an hour of my time when I called to attempt resolution. My time is valuable, and this additional cost of my time is not trivial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have names that don't belong to me and 1 account that is not mine and previous addresses that are not mine I have previously tried to dispute this and I got no respomse and I have the right to re dispute this and not have this rejected by the Credit bueraus and the CFPB
Product: Credit card or prepaid card

ADVERSE ACTION DATED XX/XX/2022 Recently, I XXXX XXXX was denied an extension of credit by KEYBANK On XX/XX/2022 you submitted a credit card application, I applied for Preferred Credit Line As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). KEYBANK has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in the renewal of, or in substitution for, an accepted credit card. 
2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. KEYBANK should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report XXXX XXXX  Account XXXX XXXXXXXX Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXX  Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : o High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report.

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame. 

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have not received anything from this debt company called Converse   but it was added to my credit report on XX/XX/2019 in the amount of {$1400.00} being owed to them. However, that amount was sold by the original creditor, XXXX University, to a debt collector named XXXX XXXX XXXX which appeared on my credit report in XX/XX/2019. The same amount is owed for the same original debt to two collectors. I have not received any written mail from either companies and have not reached out.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE I AM UNABLE TO LOG IN OR FREEZE THIS ACCOUNTS THIS IS A VIOLATION OF RIGHTS THEY HAVE YOU SEND IN INFO AND THEY DONT REPLY THESE THIRD PARTY PRIVATE BUREAUS ARE REPORTING INNACURATE DATA. I HAVE NOT APPLIED FOR CREDIT IN YEARS. PLEASE REMOVE OLD INFORMATION AND FREEZE THESE REPORTS 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

XXXX charged my Bank of America " Unlimited Cash Rewards '' Visa credit card {$5700.00} and I have requested a total refund from XXXX XXXX XXXX of the XXXX Billing Department and I have received NO services or merchandise from XXXX ; XXXX XXXX replied that he would be willing to authorize this refund to delete this charge of {$5700.00} to my credit card, but that he has NOT yet received any money from Bank of America and there is nothing to refund since XXXX has NOT received any of this money from Bank of America and that this amount of {$5700.00} should be removed from my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was checking my 3 credit reports last week, and I saw an unidentified account called XXXX XXXX XXXX with a past due amount of {$400.00} for 60 days. I didn't know what this was. I put a credit freeze on all 3 credit bureaus, and a fraud alert. Experian is the only credit bureau who still has this account on my credit report. On XX/XX/XXXX, I called Experian, who opened up a dispute and gave me the phone number to XXXX XXXX XXXX. I then called XXXX, and they had me fill out complaint and affidavit. They said it was a loan through XXXX for {$1200.00}. The thief had been making payments on this account, then quit. I sent it back to them. I am upset, because this is NOT me and I want it off of my credit report. I believe the culprit was my ex-wife, who knows my social security number. If need be, I can provide you with a copy of all of my XXXX orders for the last 2 years. Thank You.