23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX I made a down payment of {$430.00} for a luxury vinyl flooring for my living room together with another down payment for finishing my basement. The constructor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) didnt show up multiple times without notice, took almost 3 months to complete the basement. I had a conversation with him, telling him I couldnt wait any longer for the flooring in my living room and he assured me he wouldve given me back the down payment. Since I didnt trust him, based on his unprofessional behavior, I submitted a dispute with my bank, Wells Fargo XXXX After a while I got a letter from Wells Fargo, stating they denied my claim. I called them and I was told XXXX XXXX submitted documentation about the down payment not being refundable. I then contacted XXXX XXXX asking him an explanation and he made false claims saying he had to purchase the materials and he showed me options, which is not true, since he wasted time the first day he started working on the basement, to go to XXXX to buy the flooring and other stuff for the basement only. He never purchased anything for the living room flooring.Also XXXX XXXX was supposed to remove rocks from a patio he built in my backyard since he didnt submit the permit to the HOA. I am still waiting for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have my original mortgage ( XXXX ) contract which states " once I reach 80 % of my original contract amount, I may terminate my PMI '' My original mortgage company was XXXX went out of business & sold all of their loans ( including mine ) to Ocwen loans. It has been a nightmare since I have been with Ocwen ( Ocwen bought my loan in XXXX ' XXXX ). Ocwen had sent me a letter of cancellation of PMI and its requirements. I met all of its requirements and they told me I need a new appraisal of the current value of the house. I got the newer appraisal ( XXXX ) Even though the original contract states 80 % of the original value ( {$130.00} ) they ( Ocwen ) denied my cancellation. My new value is {$100000.00} and they are not going by the original value. I have sent a copy to Ocwen of my original contract and a copy of there letter, which both state the same thing.
Product: Credit card or prepaid card

I wrote to XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX at XXXX and it was signed for by XXXX. 

I received a letter from XXXX XXXX dated XX/XX/XXXX in which they stated they will not process my dispute per the Fair Credit Billing Act. XXXX XXXX said in the XX/XX/XXXX letter they can't process defective XXXX XXXX catalog orders. However, the Fair Credit Billing Act clearly states XXXX XXXX should process this dispute without fees and interest. 

When contacting XXXX XXXX they state any problems with the XXXX XXXX Credit card statement must be directed to XXXX XXXX, which I did on five separate occasions.
Product: Mortgage

Pacific union Financial is asking security questions I never was ask to answer and after XXXX attempt your locked out
Product: Credit reporting or other personal consumer reports

Please remove inaccurate and old address from my report. Remove XXXX mailable address and must be removed. 

my current address is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 
Sincerely, XXXX XXXX XXXX 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. 

XXXX : ACCOUNT NAME : XXXX XXXX  XXXX XXXX # XXXX, ACCOUNT NAME : XXXX XXXX- # XXXX, ACCOUNT NAME : 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 an 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

CFPB + JPMCB, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several inaccuracies including accounts that never belonged to me as well as accounts that are closed and are displaying they are open. One particular account is a Capital One account # XXXX last reported on XX/XX/XXXX is an account where I am listed as an authorized user. The issue with this is my  grandfather whom the account had belonged to has passed away. In addition I have reached out to Capital One on several occasions regarding this issue which they inform me that the account is no longer reporting to the credit bureaus. This account is appearing on both my XXXX  and XXXX  credit report.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate XXXX  XXXX Account on Credit Report Due to Identity Theft To Whom It May Concern : I am writing to dispute an inaccurate XXXX  XXXX account that is being reported on my credit report by XXXX, XXXX, and EXPERIAN and to demand its immediate removal as I am a victim of identity theft. 

The fraudulent account in question is : XXXX XXXX [ Account Name, Account Number as it appears ] This XXXX  XXXX account does not belong to me. I believe I am the victim of identity theft and did not open or authorize this account. I am requesting that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow proper procedures to promote maximum accuracy on consumer credit reports. By continuing to report this inaccurate XXXX  XXXX account after being notified it is not mine, [ Name of Credit Bureau ] is violating the FCRA, specifically 15 U.S. Code 1681e ( b ), which requires them to follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

Furthermore, the Fair Credit Billing Act prohibits creditors from continuing to attempt to collect debt that is a result of identity theft once it has been reported as fraudulent. By continuing to report this XXXX  XXXX account, XXXX, XXXX, and EXPERIAN is also violating this law. 

I have enclosed supporting documentation showing I am the victim of identity theft, including : [ List documents enclosed, such as ID theft affidavit ] I demand that XXXX, XXXX, and EXPERIAN conduct a reasonable investigation into this disputed XXXX  XXXX account information as required by law and immediately remove the inaccurate account from my credit report. Please also provide me with updated credit reports from all three national bureaus once the item is removed. 

I appreciate your prompt attention to this serious matter of identity theft and credit report inaccuracy. Please contact me if any additional information is needed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024, I took out a personal loan of {$890.00} on the app Moneylion. The lender unfairly withheld {$790.00} out {$890.00} in a separate account managed by the lender. Withdrawal of that {$790.00} is restricted until the full amount of loan is repaid. Even though the majority of the loan is not available to me the borrower, I still have to pay interest calculated on the full amount of the loan. In other word, I borrowed {$100.00} but now have to pay interest as if I borrowed {$890.00}. 

Worse still, on XX/XX/2024, the lender denied my access to the app and informed me via email citing unusual activity detected. I provided my state ID and proof of address as requested by the lender but my documents were arbitrarily denied. The same set of documents had been submitted to other financial institutions or government agencies for verification purpose without any rejection or issue of processing. After repeated requests of ID proof from the lender, to each of which I gave the lender exactly what the lender requested, I called the lenders hotline XXXX ( XXXX ) XXXX. I was told that my documents submitted were still being reviewed. 

The lenders customer service representative also confirmed during the conversation on phone that I would not be able to withdraw the {$790.00} unfairly and potentially unlawfully held by the lender even if I repay in full the personal loan amount of {$890.00}. The reason given was that there was no other way to withdraw the money other than going through the app which the company had denied my rightful access. 

The seriousness of this case lies not only in the unfairness of how interest is charged or loan terms is structured, but the unlawfully withholding of my personal property ( {$790.00} ) when the loan is fully repaid. All that I have suffered in the past few weeks have given me reasonable ground to believe that the lender intentionally block my account on its app for the purpose of denying me the rightful withdrawal of my money ( {$790.00} ) which the lender unlawfully withheld in the first place. And by so doing, the lender created a situation that early settlement of the loan would not be in the interest of the borrower and thus inducing the borrower to continue making expensive interest payment ( of APR 300 % if calculated from the {$100.00} principal that I actually received ) from which the lender can derive exorbitant profit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the FCRA must expose their fraudulent actions that they take against the owner of XXXX XXXX XXXX illegally or be fined by the CFPB
Product: Credit reporting or other personal consumer reports

Paid off my XXXX XXXX in XXXX, My statement cut XX/XX/XXXX. It is now XX/XX/XXXX and the card is still reporting as open and 97 % UTI when the card is paid off and has been since XXXX. I have called, disputed with the credit card bureaus and filled a XXXX report. A correction was made to one credit bureaus, but the other XXXX ( XXXX, XXXX ) have not. I have denied a home loan and a car loan due to the XXXX for this card pushing my income over the limit. I have called and emailed and got no response from the company. I need help with this issue getting my credit fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid in settlement. {$570.00} written off. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 


XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit card or prepaid card

I have been an American Express customer in good standing for 10 years now, and recently I found that my AmEx account had been marked as " delinquent '' for failure to pay late fees on a card that I cancelled almost a year ago that apparently had a small balance still left on it without my knowing about it. 

Given that I had other AmEx cards that I paid the entire balance on in full every single month, it was obvious to me that this balance on the closed account was allowed to continue to incur late fees because AmEx realized that I didn't realize there was a balance, so they let this go on for 8 months and held me responsible for hundreds of dollars in late fees on a closed account. AmEx claimed that they notified me via mail ( any other credit card company I have forgotten to pay a balance on has always called me ) but I have found zero evidence anywhere that they actually did. 

I have closed all of my accounts with AmEx, and paid everything I owed them in full including these hundreds of dollars in late fees that were added to the closed account, but I am concerned that this clear and obvious oversight that AmEx did not perform even basic due-dilligence in notifying me of as an account holder in good standing for a decade with them, has hurt my credit though I always do my utmost to pay all of my bills on time. You can not pay off what you don't realize you even owe, and obviously someone with my credit history with AmEx shouldn't have been torched by them this way. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to fraudulent activity resulting from a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts removed from my credit file.

The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$8900.00} XXXX XXXX XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1000.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$6000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1800.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$580.00}
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer reports that are a result of identity theft, these items were not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.