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

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 am writing to formally dispute the collection account referenced above, as it is currently subject to litigation. Per the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, I request the immediate removal of this account from my credit report until litigation is resolved. 

This account '' XXXX inclusion on my credit report during active litigation violates principles of accuracy and fairness. Until final legal determination is made the validity of this debt remains unconfirmed, and reporting it as an outstanding collection is misleading and potentially damaging. 

Under Florida Law, all debt collectors must be registered with the Florida Office of Financial Regulation to legally operate within the state as required under Florida Statutes XXXX Florida XXXX Collection Practices Act ( FCCPA ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be delete : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaccurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {$8400.00} XXXX was removed from my Wells Fargo bank account via an online wire transfer. I was not notified of this transaction nor did I have any involvement in authorizing it. I immediately contacted Wells Fargo where they advised me that the money was sent to another person who I have no connection to. Wells Fargo informed me that the money was removed from my account ; however, the funds were not yet fully deposited into the other bank account. Despite the money not yet being deposited into the other account and the money not being in my account either, Wells Fargo was unable to tell me where the money is. I advised Wells Fargo that I never placed or authorized this transaction and had no involvement in doing so. Wells Fargo told me that it had to be my fault since the person who made the transfer used my information. Law Enforcement was then contacted and quickly identified and located the suspect who conducted the transfer. Due to the suspect being outside of the range for extradition, the suspect has yet to be arrested. The criminal investigation revealed that my personal cellular device was either compromised or a phone port was used to access my Wells Fargo account. Additionally, Wells Fargo informed me that they sent several passcodes via text to my phone which I never received. Despite Wells Fargo already having this information they still made me request my phone records which clearly showed that I did not receive any such messages. Wells Fargo has continued to refuse to refund the money that was stolen from my account and shifting responsibility to me for their own failure in fiduciary duties to protect my funds. Law Enforcement also has a subpoena for my bank records to further show that I did not have access to my account in regards to this transaction. I have attached the initial police report to this submission. This report does not have all of the information that has been discovered over the course of the investigation and only provides a brief overview of the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute several items on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in addressing these matters and enforcing my legal rights. 

Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently discovered an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and, as such, I request that this unauthorized inquiry be removed from my credit report immediately. 

Unauthorized Inquiry by XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX Similarly, I have identified an unauthorized credit inquiry by XXXX XXXX XXXX on my credit report dated XX/XX/XXXX. I did not provide consent for this inquiry, and I insist that this unauthorized inquiry be expunged from my credit report without delay. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am disputing the accuracy of the account information associated with XXXX XXXX XXXX XXXX XXXX. The name and number of this account raise concerns regarding its legitimacy. I kindly request either clarification of this information or the immediate removal of this account from my credit report. 

Questionable Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, I am disputing the accuracy of the account information linked to XXXX XXXX XXXX XXXX XXXX. The ambiguous nature of this account 's name and number warrants clarification or the prompt removal of this account from my credit report. 

Incorrect Personal Information - PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified an incorrect previous address listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' This address is not associated with me and must be removed from my credit report immediately. 

Incorrect Personal Information - PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is an erroneous previous address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I have never lived at this address, and I insist on its prompt removal from my credit report. 

I am deeply concerned about the impact of these inaccuracies on my creditworthiness and my ability to access financial opportunities. Credit plays a pivotal role in everyone 's life, and its misuse or inaccurate reporting can have far-reaching consequences. 

While I understand the importance of accurate reporting, I believe these items have been reported without proper verification. Therefore, I kindly request that you enforce the provisions of the FCRA and facilitate the removal of these unverified accounts from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these disputes. Please provide me with updates on the progress of these investigations. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a victim of an internet scam involving my credit cards. This took place in XXXX2019 to XXXX, 2019. I was told to buy XXXX gift cards from XXXX and XXXX and they would pay off the balance to help me build my credit. They logged in to my accounts and added " their bank information '' and paid the balance on the card. I believe this was down 6 times across my XXXX, XXXX and citi credit cards. Now I have thousands of dollars of debt because the payments didn't process completely. This cause my accounts to almost triple the balance limit. The companies will be receiving this police report. I just found out I am able to file this report that's why the date is so far back
Product: Credit reporting, credit repair services, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Can not open any checking or saving due to Chexsystems false reports and siding with the financial institution. I do not owe money or did anything heinous to deserve this.
Product: Debt collection

I am filing a complaint against Suncoast Credit Union for an account that was closed in XXXX and a debt that was charged off in XXXX. 
I was told that this account was closed and charged off. I didnt know until XXXX that Suncoast has continued to charge fees on the closed/ charged off account since XXXX. 
In XXXX I hired a company and paid them monthly to help clear up all of my debt. The company I hired came across this debt and the continuing charges. They sent numerous disputes and tried to find out how and why this account was inactive and written off but still being charged monthly fees. They ask for the charges to stop and account to be removed from my credit.There wasnt any notifications of the fees and the fee charges fluctuated different amounts from month yo month. There was only a response of disagreement but charges continue to grow. The company suggested I file a complaint since I had no knowledge of this and I believed that once closed and charged off that would be final.
Product: Bank account or service

My checking account with BB & T requires a $ 500 monthly ACH deposit to remain fee free. The required deposit has been made every month before XXXX without issue. However, in XXXX, the fee was charged even though the required deposit was made in accordance with the terms of the account. After numerous communications, BB & T has apparently decided to reinterpret their own terms, without any amendment to such terms or notice to its customers, regarding what type of ACH deposit they will recognize. I have been charged a {$12.00} fee for XXXX, and BB & T refuses to refund it or admit any wrongdoing whatsoever. I will be ending my relationship with BB & T over this issue, however, there must be consequences to BB & T for their fraudulent behavior.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an Early Exclusion with Equifax regarding the XXXX account a couple of months ago. Now the account is beyond the threshold for reporting. It should be removed as of XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit card

Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. 

HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed ( NAME ) account # After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Case # : XXXX MCM # : XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX whomever this may concern, Thank you for your response to my CFPB dispute but the response did not address my concerns. In the connected response, you stated youve supplied me with a Letter of Verification but the address you sent said letter to is an address that I am NOT associated with. I do not nor have I ever resided at XXXX XXXX XXXX. This proves youre violating 15.U.S.C. 1681i, alleging the account is verified but you failed to properly reinvestigate. If you were to have properly investigated my account as claimed, clearly my consumer report lists my address, both current and previous. 
You are alleging that you have no control of what the credit bureaus post despite reporting to them monthly. I have disputed several times and each time the credit bureaus state YOU ; the creditor hosts the investigations. Your letter further proves youre STILL in violation of 15 U.S.C. 1681 S-2 ( a ) ( 1 ) ( a ) because your letter states this account has been Charged Off but it has a Past Due balance. Ive never received a 1099 C document for the Charge off and the past due balance falsely manipulates the statute of limitations which is another FCRA violation. In addition to that, you are reporting different balances to the creditors. XXXX and XXXX are reporting a balance of {$1900.00} and {$1900.00} to XXXX in addition to High Balances. 
You are sending information to an inaccurate address, youve also sent invoices but those invoices do not confirm my identity. Your response also further proves youre violating 15 U.S.C. 1681 602 ; youre still reporting on my consumer report AND sending invalid information to address where I do not reside further putting my identity at risk for theft. You have no regards to my rights and clearly ignored my request to Cease and Desist 15 USC 1692c of all collection activity with the credit bureaus while under investigation along with requested evidence no later than 15 days after receiving this request. If you do not intend on replying with requested information or a proof of deletion within the allotted 15 days of receipt of this letter, send payment {$1000.00} made payable to XXXX XXXX. You have violated my rights as a consumer and I deserve to be fairly compensated.
Product: Credit reporting or other personal consumer reports

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately, I had two late payments on an account that was in fact paid on time, the consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments Ive attached a copy of my report to this complaint on the following date XX/XX/year> Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand that these payments be updated to paid on time immediately. Thank you for your understand and prompt action.
Product: Credit card or prepaid card

On XX/XX/XXXX, or a date close to that, we checked our online account with Capital One. We each have a credit card with Capital One bank but they are part of a joint account. We noticed a charge emanating from XXXX claiming to be from " XXXX XXXX ''. Since neither of us made this charge, we checked with XXXX and they had no record of this transaction. We then called Capital One to advise them of the fraudulent charge and to initiate a dispute. Their agent took down all the data which included the amount ( {$12.00} ), description ( XXXX XXXX XXXX ), and the date XX/XX/XXXX. XXXX. However, this incompetent agent did not dispute this charge. Instead, he disputed a different XXXX charge in the amount of {$3.00} which posted on XX/XX/XXXX with the description of USPostalUser. This charge was an authorized charge and was NOT DISPUTED. The agent disputed the WRONG charge. He failed to use even one piece of information given to him to identify the charge which was fraudulent. We subsequently contacted Capital One on two other occasions to try to rectify the situation. We have also sent a USPS letter to the CEO of Capital One ; we have to date not had a response. In the meantime XXXX put a hold on our account because they have not been paid. Today we spent over 70 minutes with various Capital One agents from the XXXX struggling to understand what they said. Their explanation is that we have to contact XXXX ourselves to rectify THEIR ERROR. They listened to the recording of the initial call and they agree that the error was made by their agent. However, this in no way means that they agree to solve the problem which they created. An institution which can not rectify financial errors which they make, no matter how small, should not be allowed to continue operations without penalties. Two of their representatives say this amount ( {$3.00} ) is " below threshhold '' or some such nonsense. They say they have no way to restore the payment to XXXX. In short, THEY REFUSE TO CORRECT THEIR ERROR and the other complications this has created for us.