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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Subject : Request for Immediate Action Regarding Credit Report Disputes and Failure to Investigate I am writing to formally address a serious concern regarding inaccuracies on my credit report and to request immediate action under the Fair Credit Reporting Act ( FCRA ). I have previously submitted disputes to Experian concerning the following accounts, yet they remain unresolved despite the mandatory investigation period having passed. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX XXXX XXXX  acct number XXXX A

ccording to the FCRA, these disputes should have been investigated and resolved within 30 days of submission. However, despite my efforts to correct these errors, I have yet to receive any valid updates or corrections to my credit report. As a result, I am requesting that all inaccurate information related to these accounts be blocked from my credit report immediately. Per the CFPBs guidance and the regulations outlined in the FCRA, I am requesting that you take action to remove these items within 15 business days from the date of this letter. Failure to comply with these regulations is causing significant harm to my creditworthiness and financial well-being. I trust that the CFPB and Experian will treat this matter with the urgency it deserves and ensure that proper investigations are conducted promptly, with the appropriate actions taken to block any unverifiable or incorrect information from my credit report. Please provide confirmation that these actions will be taken within the requested timeframe. Should I not receive a satisfactory resolution within this period, I will consider further steps to escalate this matter. Thank you for your prompt attention to this issue. I look forward to your swift response.

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

TransUNion 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. 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

XXXX and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to Transunion and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!
Product: Checking or savings account

I, XXXX XXXX, wrote a check to my neice, XXXX XXXX for {$130.00} on XX/XX/2020. The check was deposited into her Wells Fargo account. On XX/XX/2020, Wells Fargo pulled the check out of her account and debited her account. Wells Fargo claimed that the check was not authorized, which is a lie because there is clearly a authorization number on the check. Wells Fargo is still holding this money, having never returned the funds to me, the original maker of this check. This is XX/XX/2020.
Product: Credit card or prepaid card

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payment that was missed on XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 1.Creditor Name : XXXX  XXXX Account Number : XXXX Balance : {$16.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX  XXXX Account Number : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXX 3.Creditor Name : XXXX  XXXX Account Number : XXXX Balance : {$92.00} Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX 5.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX 6.Creditor Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$440.00} Date Opened : XX/XX/XXXX 7.Creditor Name : XXXX  XXXX  Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX 8.Creditor Name : XXXX XXXX  Account Number : XXXX Balance : {$720.00} Date Opened : XX/XX/XXXX 9.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card

I made a purchase from Macy 's with a Macy 's credit card. They never sent me a billing statement. Instead, several months later, they sent me a collection notice. I contacted customer service, explained I never received ANY billing statements and requested they send me a paper copy. I also sent them a letter ( attached ) noting the difficulties I experienced in actually getting them to send me billing statements. I refused to pay the " late fees '' and interest as I was never afforded an opportunity to pay my bill on time. Now they send me monthly statements with escalating late fees ( now in excess of {$100.00} ) even though I paid the purchase amount in full months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you.

This is your final warning. Please remove the following items listed on my fraud report & listed below. 

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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Consumer Loan

In XXXX I was late making my payment by a few days and was charged a late fee. In XXXX I filed timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. In XXXX I made my payment timely and was charged a late fee. I have increased my payments and have never been late since. They have continued to charge late fees and others fees for the last 9 months. I have continued to be timely in my payments and have even increased my payments during this time. Now I am getting collection letters.
Product: Debt collection

I am filing this complaint regarding a debt that Transworld Systems Inc. is attempting to collect, which is inaccurate and unverifiable. The account in question is a collection for XXXX XXXXXXXX XXXX XXXX XXXX, with an alleged balance of {$300.00}. Transworld Systems Inc. has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/year>, I sent a formal debt validation request to Transworld Systems Inc. under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested that Transworld Systems Inc. provide the following : 1. Proof of ownership of the debt, including the original signed agreement or contract. 
XXXX. A complete account history from XXXX  XXXX XXXX XXXX XXXX, detailing the balance, charges, and payments. 
XXXX. Documentation proving that Transworld Systems Inc. has the legal authority to collect this debt.

4. Verification that the debt is not time-barred under state statute of limitations laws.

Transworld Systems Inc. has failed to provide any of the requested documentation. Instead, they have continued collection efforts and reported this account to credit reporting agencies, which is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This failure to validate the debt has caused harm to my credit score and financial standing. I believe Transworld Systems Inc.s actions are deceptive and unlawful under 15 U.S.C. 1692e.
Product: Credit card

On XX/XX/2024, I have requested a credit card dispute to Wells Fargo because XXXX charged me for truck damages despite I having purchased full damage coverage insurance. Prior to this dispute, I have tried reaching out to XXXX through their web messages and emails, but have yet to get proper response. 
On XX/XX/2024, I have received an email and secure message from Wells Fargo that the dispute request is received. 
On XX/XX/2024, I have received an email and secure message from Wells Fargo that the dispute request is in progress. 
On XX/XX/2024, I have received an email and secure message from Wells Fargo that the dispute request is in still in progress and the merchant haven't updated yet. 
On XX/XX/2024, I manually checked Wells Fargo 's " My Claims '' page, and found that the dispute is closed, without any form of notification, including email, secure message, and text message. I subsequently called Wells Fargo, which the agent said that the resolution letter is sent to me, and also read out its content. On the same day, I send a written request to appeal the dispute decision. 
However, as of XX/XX/XXXX, I have yet to hear back from Wells Fargo regarding the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

At XXXX on XX/XX/year> I received an email from Capital One stating that I had been approved for a Quicksilver credit card - one which I never applied for - and that the phone number linked to my account had been changed. I have never previously opened or had an account with Capital One - or had any credit cards with them. When I clicked the link to " view my documents '' in the email I found that an account had been opened using my personal email, my SSN, and my zip code. In response to this email I froze all of my credit reports with XXXX, XXXX, and XXXX and requested a dispute for the phone number that was not mine. I also called the Capital One customer support line and requested an investigation into the account and the credit card request for fraudulent activity which was submitted and is pending.
Product: Mortgage

I had refinanced my home XX/XX/XXXX from XXXX XXXX XXXX XXXX. XXXX sold the loan to Nation Star Mortgage. As per the original loan documents and private mortgage insurance disclosure, my PMI would automatically terminate XX/XX/XXXX. Nation star is refusing to honor the original document. Nationstar wants me to go for a new appraisal or wait till loan to value falls to 75 %. My decision to re-finance the home was based on number of factor and XXXX of the main factor was PMI. I refinanced from FHA loan to conventional loan to avoid paying higher PMI for a longer period of time. I have also attach the document that was given to me by XXXX, communication between Nation Star and me and the payment history. Request your intervention to get this issue resolved. I have always paid the monthly payments on / in time. I have never been late on the payments.
Product: Checking or savings account

- $ 12 Monthly Maintenance Fee XX/XX/2021 - $ 12 Monthly Maintenance Fee XX/XX/2021 - $ 12 Monthly Maintenance Fee XX/XX/2021 When I noticed, I contacted Bank Of America to reverse the fees. Waited an hour, spoke to rep who declined the request. Asked to be transferred to manager. Waited another 15 minutes. Transferred to line that simply hung up after an hour of waiting. In the middle of the largest pandemic surge, banks rip off the poor and provide no service when its requested. XXXX is being done by the cfpb? Its amoral and unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 4. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

The dispute is about the unauthorized transaction in the amount of {$590.00} that got deducted from my debit card at XXXXXXXX XXXX. amount on XX/XX/2021 by merchant XXXX XXXX. 
I have sent several communications to XXXX XXXX ( Merchant ). They have responded multiple times and have no knowledge of this transaction either ( Response from the merchant is attached below ). 
Also, Citi bank was also not able to refund me the charges after hours on the phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am making another report towards Experian, XXXX, and XXXX in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. 
The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


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 the information is inaccurate
Product: Checking or savings account

The reason for my complaint is because bank of america has chosen to close my checking accounts with them which is fine cause in the agreement they are allowed to close the account and i understand that part of the contract. They have garnished monies from my checking account which led the account to be overdrawn due to the automatic payments that have been set up. I need all NSF fees to be credited to the account and I also received a letter from them that they might report the account to XXXX XXXX or XXXX XXXX. I have done nothing fraudulent or mishandled my accounts in any way in the 3 years that I have banked with them. I need to make sure my accounts are closed in good standing and that no negative information to be reported to XXXX XXXX XXXX and XXXX XXXX and also let me know what the final amounts owed in the account cause i have no access to the account online and have no idea what they have done with the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



Bankruptcy XXXX XXXX Reference # : XXXX
Product: Checking or savings account

Someone hacked into my phone using an app called XXXX XXXX and transferred money out of my paycheck to a phone number in the picture below. I called Chime Support to notify that I didn't make those transactions so they filed a claim. The next morning I received an email from Chime that my claim was denied in an investigation. I was supposed to get paid the {$390.00} today but itwas stolen from my account last Fiday. Please help me get to the bottom of this.
Product: Debt collection

Nationwide Recovery Sys Is in violation FDCA by reporting collection for a debt that I was never notified of prior to dispute. 
I was never provided any information Further it is reporting inaccurate information as I have NEVER been to a XXXX XXXX XXXX The account reports I owe {$790.00} Opened XX/XX/2019 Original Creditor KXXXX XXXX XXXX XXXX XXXX I contacted the facility where the creditor is listed and they were unable to locate me or my name. 
My rights were violated please resolve