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

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I was a victim of identity theft. My wallet was stolen. From my car XXXX years ago and someone used my identity to stay at a motel.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, 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
Product: Checking or savings account

On two different occasions in 2023 ( so far ), two different Bank of America bank accounts were opened in my name. Even though I don't do business with BoA, I've received 2 debit cards with my name on them - one in XXXX, and one in XXXX - both of them linked to accounts I never opened. After I received the first one, I contacted the Bank of America fraud department to report it. They closed the account and canceled the debit card linked to it. Luckily, there hadn't been any activity linked to the account. I figured my identity had been stolen, so I reported the incident to the police and I contacted the 3 major credit bureaus to get credit alerts and credit freezes. I thought this took care of the problem- and then it happened again two months later. Same situation, just with a different bank account number and debit card number than the first time around. I had to go through the reporting process all over again and the stress of wondering who has been using my information and social security number to open bogus accounts in my name. Yesterday, I heard the news about Bank of America being fined for defrauding customers. Now I am wondering if it was a BoA bank employee who did this to me and not some random creep searching through my garbage.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit reports, which is adversely affecting my credit score. Upon reviewing both my XXXX and XXXX credit reports, I have identified several discrepancies in the reporting of my account with XXXX. 
The following discrepancies were noted : 1. Last Payment Date : XXXX reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
XXXX. Monthly Payment Information : XXXX shows the monthly payment as XXXX. 
XXXX shows the monthly payment as -, which I believe is inaccurate. 
3. Account Type : XXXX lists the account as an Installment loan. 
XXXX lists the account as an Auto Loan.

These inconsistencies are clearly erroneous and violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure that information on consumer credit reports is complete, accurate, and verifiable. Specifically, under FCRA Section 607 ( b ), 15 U.S. Code 1681e ( b ), both XXXX and XXXX are required to maintain accurate records. Furthermore, XXXX, as a data furnisher, is responsible under FCRA Section 623 to report accurate information to credit bureaus and correct any errors upon discovery. 

Additionally, I would like to bring to your attention the Federal Trade Commission ( FTC ) guidelines, which require credit reporting entities to correct any inaccuracies and respond to disputes in a timely manner. The discrepancies mentioned above indicate that the reporting entities have not fulfilled their obligation to ensure accuracy. 

Moreover, XXXX and XXXX have both been subject to breaches that have compromised the security of personal data. These breaches, especially those affecting the accuracy of credit reporting, should be taken into account when addressing this dispute. Under the FCRA, credit reporting agencies are obligated to ensure not only the accuracy but also the integrity of the information they report. 

I am requesting that the CFPB investigate this matter and require XXXX, XXXX, and XXXX to immediately correct these inaccuracies and remove this account from my credit report if it can not be properly verified. I ask that you prioritize this dispute due to the significant impact these inaccuracies have on my financial standing and creditworthiness.
Product: Debt collection

Westlake financial is taking advantage of consumers. My account is with the law office of XXXX and XXXX. So why us Westlake still reporting my account to the credit bureaus. This is illegal. I called Westlake and asked to have my account removed from XXXX and XXXX which is my previous employment. I no longer work there but now I'm humiliated Because they are taking me to court.
Product: Credit card or prepaid card

I've called twice and tried online chat. I have returned items via mail to XXXX XXXX months ago and have yet to see a credit for my returned items. Now I understand that we are under a pandemic but having no resolution other than disputing the charge is absurd. Their online functions are garbage that the whole company XXXX XXXX XXXX is stuck in the stone ages!! I paid my bill so that I do not have implications on my credit report and want my MONEY!! Please refund my money! I also never asked for this to be a credit card instead of just a store card, I want it to be a store card only!
Product: Credit card or prepaid card

Reported XX/XX/XXXX to comenity MasterCard Mailed requested documents twice in XXXX & XXXX Used the secure message center to submit all documents multiple times - sent XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : Have received 6 letters stating that I needed to submit more information and each time I have asked what specifically. 
Have called multiple times and even spoken to supervisors XXXX on XXXX & XXXX XXXX XX/XX/XXXX, both of them emailed the dispute department on my behalf because they both agreed that I sent everything that was requested. All messages can be viewed by comenity as they are in the SMC app. All notes can be seen on my account as every time I call they notate. I have spent over 10 hours on the phone with this company and they still havent even said that they have what they need to investigate! They have closed the claim twice stating that I havent submitted proper paperwork but no one can tell me what I have to submit. This process is the most ridiculous circus I have ever been involved with. I will continue to fight and report them to anyone that I can.
Product: Checking or savings account

on XX/XX/XXXX I made XXXX seperate payments to XXXX different credit cards for XXXX dollars each on XX/XX/XXXX, each XXXX  company sent me an email that my bank rejected the payments. i immediately contacted Wells Fargo to get information, they acknowledged the error was on there part and sent letters to the effect of the error. XXXX the XXXX i recieve notification from XXXX of my long standing credit cards they closed my account due to an XXXX, the rejected payment from my bank and have listed me as a high risk due to the XXXX. I applied for financing on the XXXX of XX/XX/XXXX and recieved a instant rreply of declined with a response negative payment history due to nsf, the creditor was the bank that just closed my other credit card. SO Wells Fargo has caused me to lose my Credit Card, had me lableed as a high risk and had me declined credit due to there negligence. plus cost me nsf fee with credit card company..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 Credit Bureaus ( XXXX, XXXX, and TransUnion ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Balance : {$3900.00} ; XXXX XXXX  XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1800.00}
Product: Debt collection

I HAVE CONTACTED THIS DEBT COLLECTOR, AND THEY ARE STATING THIS DEBT IS MINE WHICH IN FACT IT IS NOT MINE, I DONT EVEN KNOW WHO THIS COMPANY IS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Thank you for your consideration, and I hope youll approve my request. 

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

XXXX Violating consumer rights and I want immediate action.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being. 

Furthermore, my personal information has been compromised due to the Equifax security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. 

I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. 

Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change.

Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the Equifax security breach on my personal information and take appropriate measures to safeguard my financial data.

I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter.

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation.

Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.
Product: Credit card or prepaid card

I received a letter in the mail on XXXX that a " Synchrony XXXX '' card was applied for but was denied. I looked on my XXXX XXXX account and found a hard inquiry had been made by Synchrony bank on XXXX. On XXXX, I called Synchrony and they verified that an internet application had been made for their music card in my name. I have been given a file # for the case and they will remove the inquiry from my credit report. The file # with them is XXXX, they can be reached at XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding the charge-off account reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that this charge-off has been recorded. However, I have not received a Form 1099-C from the compant to reflect this debt as forgiven or canceled.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or incomplete information reported to the credit bureaus. Additionally, according to IRS regulations, if a debt of {$600.00} or more has been canceled or forgiven, creditors are required to issue a Form 1099-C to both the debtor and the IRS, as outlined in 26 U.S.C. 6050P.

If the debt has indeed been forgiven, then your failure to issue a Form 1099-C calls into question the validity of this charge-off and its continued reporting on my credit file. If the debt has not been forgiven, I request clear documentation of the charge-off, including : 1. The original signed contract or agreement.

2. A full accounting of the debt, including all payments made and how the charge off amount was calculated.

3. Evidence that the debt is still owed and not canceled or forgiven.

Failure to comply may result in further action to protect my rights.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in those account 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.

MB FIN SVCS 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: Debt collection

This collector has called me and made an assertion that I owe a debt, I have no knowledge of.  Now they have obtained my email address and stated the following:Who knows whats next.............Re: XXXXI'm sending this email to discuss an existing commercial business matter.Please call me for further details.Thank You,XXXX XXXXMcCarthy Burgess & WolffXXXX ext XXXXXXXX faxemail: XXXXThis is an attempt to collect a debt by a debt collector.  Any information obtained will be used for that purpose.If you do not wish to receive email messages from McCarthy, Burgess & Wolff, please reply to this email and change the subject line to "Unsubscribe."XX/XX/2018 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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

XXXX 's client XXXX XXXX is an identity theft victim ; someone used his information without his consent to try and obtain several credit cards however those applications were stopped due to his 90 day fraud alert placed on his credit reports. The fraudulent applications resulted in inquiries on his credit reports that he never authorized. A formal dispute of those items was submitted to each of the named creditors to have the inquiries removed however those inquiries are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX ( a XXXX company ) are reporting a bankruptcy on my credit report, and they are reporting that they furnished this data from US Bankruptcy Court XXXX TN which is false. I have attached a letter from the bankruptcy court of XXXX TN verifying and stating that they do not furnish information to any of the credit bureaus, or any credit monitoring services, nor do they verify or validate any information concerning bankruptcy. Experian, XXXX and XXXX are falsely reporting this information on my credit report and has yet to remove this information from my credit report.
Product: Credit reporting or other personal consumer reports

Location XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party  collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!