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

XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under XXXX XXXX Code XXXX ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( XXXX ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : 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  ] As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Credit card or prepaid card

On XX/XX/2021, I initiated contact with Capital One inquiring as to why the available credit had not been updated after making a payment earlier in the week. The customer service supervisor proceeded to inform me that they can see an " 8 day hold '' was put on the account. She also told me that nobody at Capital One tells them what the reasons are for why holds are placed on the account after payments are made. While Capital One 's terms and conditions may claim they could potentially put holds on the account, it doesn't say anything in their Terms and Conditions about it happening consecutively, especially after making multiple payments. 

Just because Capital One makes a claim that holds may happen does not give them the right to do so every single time a payment is made. I've reached out to an attorney who feels this violates a few things at the Consumer level. This issue will be brought to the attention of a group which I chair who decides whether class action lawsuits are justifiable. Arbitration only applies to single account holders. We have already received interest from multiple people who have experienced this same problem with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXX XXXX  and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

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

On XX/XX/2017, I contacted Wells Fargo and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing Wells Fargo business practices. 

It has come to my attention that Wells Fargo has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

TransUnion is unable to tell me if my credit is frozen or not, and has a lengthy time that is unreliable when calling them to place a freeze. They also require signing up for a paid XXXX  ( formerly XXXX ) account to be able to contact them there. 

The TransUnion site is broken when attempting to log in- I am receiving a message that they are " Unable to verify identity '' and I have no agency over viewing/freezing/un-freezing my credit with them. 

I contacted TransUnion multiple times via several channels and was unable to get any resolution to my account online. This is a major problem compared with the other two agencies who allow easy sign in and viewing of your credit freeze for free. You are able to freeze and unfreeze instantly with the click of a button with the other two agencies, but not TransUnion.

This seems nefarious and predatory and needs to be investigated.
Product: Checking or savings account

XXXX XXXX XXXX took XXXX $ from my account for services they didnt do. I requested a refund and waited almost 2 weeks for them to text me and say the refund request was denied and its between me and my bank now. I also disputed the claim with cash app and they gave me the XXXX $ back but now they reversed it and said the claim was denied.
Product: Debt collection

In mid XXXX I received a letter from XXXX bank, a company I admit I owe money to, informing me the debt was transferred to JH Portfolio Debt Equities , LLC. JH has never contacted me directly. On XX/XX/2018 I received a letter from XXXX XXXX informing me they were acting as debt collectors for JH Portfolio and I had 30 days to respond. The next day, a Friday, after XXXX, I received a call from a representative of XXXX XXXX wanting to know how soon I planned to resolve the issue. I told him about the letter I got only the day before and I planned on using my 30 days. 

At the point a supervisor jumped on the call and informed me he was retracting the 30 days, this needed to be resolved by the end of XXXX. I said I could not agree to this, told him the payment terms I might agree to, he said it wasnt good enough and he started to yell at me and belittle me. I said the conversation was over and his response was the conversation was over when he said it was over. I hung up and blocked the number they called from. 

On Monday I called the offices for XXXX XXXX and spoke to someone I was told is a manager. I told him my story but at first all he was interested in discussing was payment terms. He backed off when I informed him I did some research and know his company has been repeatedly reported for abusive behavior. He then asked me not file a report. However, this will never be resolved to my satisfaction if I let it sit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 I contacted XXXX, Experian, and XXXX about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting XXXX, Experian, and XXXX, the inaccurate information has continued to be reported. XXXX, Experian, and XXXX is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also XXXX, Experian, and XXXX has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to XXXX, Experian, and XXXX.
Product: Credit card

Fraud occurred on my credit card and I was alerted by Wells Fargo and issued a new card. However when I got the new card they put the fraudulent transaction back on the new card. I have called and called to ask them to take the charges off but it never happens. This happened in XXXX and I still can not get it fixed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately.XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts listed below have violated my to these so called debt collector to prove that I, XXXX XXXX XXXX am a debtor. The credit bureaus have been slow and neglectful to remove such accounts and have ruined my finances. 15 USC 1681sec. 602 A states I have a right to privacy. 15 USC 1681 sec. 604 A sec. 2 that a consumer reporting agency can not furnish an account without my written consent. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Subject : Formal Complaint and Dispute of Debt Collection Practices Dear XXXX XXXX I am writing to formally dispute the collection account referenced in my credit report and to address multiple violations of my consumer rights under federal law. The collection account in question has been placed on my consumer report by your agency without adhering to the required legal procedures. Below, I outline the specific violations : 1. **Failure to Provide Validation Information** : According to 12 CFR 1006.34 ( b ) ( 5 ), your agency is required to provide specific validation information to me as the consumer. Despite this, you have not furnished any validation information for the alleged debt, yet it appears on my consumer report. 

2. **Lack of Opportunity to Dispute the Account** : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a reasonable opportunity to dispute the account. I have not been given any such opportunity to dispute this account prior to it being reported to the consumer reporting agencies. 

3. **Use of False, Misleading, and Deceptive Practices** : Your agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect a debt. This is a clear infringement of the guidelines set forth to protect consumers from unfair collection practices. 

4. **Improper Furnishing of Information to Consumer Reporting Agencies** : Your agency has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of these violations, I am requesting the following actions be taken immediately : 1. **Removal of the Collection Account** : The erroneous collection account must be removed from all consumer reporting agencies. 

XXXX. **Cease and Desist Communication** : Your agency must cease all communication with me regarding this alleged debt unless it is to inform me that the account has been removed from my credit report or to provide the validation information as required by law. 

XXXX. **Provide Validation Information** : If you believe the debt to be valid, please provide all the required validation information in compliance with 12 CFR 1006.34 ( b ) ( 5 ). Please consider this letter as a formal complaint and request for investigation into the aforementioned violations. Failure to address these issues promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities. I expect a written response within 30 days from the date of this letter detailing the actions taken to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, both of these creditors 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditors has violated my rights under XXXX us code 1681section 602 A state i have the right to privacy. 

15 usc 1681section 604 A section 2 also state consumer reporting agency can not furnish an account without my written consent. 


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

On XX/XX/XXXX I submitted a request via letter to Chase Bank requesting them to investigate several unauthorized hard credit inquiries that they have listed on my credit profile. 

I requested that they either provide me with physical documentation validating these inquiries, or, that they remove them immediately as they are damaging to my credit profile. 

Chase had applied SEVEN hard inquires onto my credit file without my knowledge or permission with the exception of 1 inquiry ( business credit card ). 

The inquiries that I requested be investigated were made on these dates by Chase : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have been a long time Client with Chase, having both a business and personal checking with them. Never once have I needed them to acquire my personal credit profile, with the exception of the 1 inquiry that I do acknowledge.

I can not stress enough, these hard credit inquiries were not authorized by me with the exception of ONE. I can not recall which date it was, but one inquiry is only valid. Not seven. 

As noted above, on XX/XX/XXXX I requested Chase to investigate. On XX/XX/XXXX, I received a response via letter telling me that I did in fact submit applications. I did not in any matter submit anything. 

Chase did not investigate anything, they failed to move forward any due process in this matter. They failed to provide me with any documentation showing these alleged applications I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found 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 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 In accordance with the Fair Credit Reporting Ac Section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Transunion has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of the bankruptcy of any credit bureau. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted.
Product: Credit reporting

I was required to be late by FHA. Supporting documents attached. 

Divorce proceedings were started XX/XX/2014 and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : [ XXXX ] Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.