23daVinci/CFPB_Complaints huggingface dataset:
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 {$16000.00}, {$32000.00}, {$4700.00}, {$5800.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was a part of the XXXX XXXX XXXX and I have made a dozen efforts to have the incorrect items removed from my XXXX credit report. The last effort was made in XX/XX/2024, as I sent a letter with legal documents, along with copies of documents to verify my identity. As of today, XX/XX/2024, a XXXX representative informed me that my CFPB report and other legal documents were not sufficient. They are essentially refusing to honor my documents to remove unauthorized documents for a data breach that their reporting agency exposed me to unknowingly. XXXX and XXXX has already removed the unauthorized information ; thus, XXXX must adhere to the law, removing the FCRA Errors, so that my credit reports are parallel. Below are the incorrect inquires that must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the incorrect derogatory items that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint is directed at XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX for their persistent reporting of inaccurate and harmful information to credit reporting agencies, which has caused significant damage to my financial standing. These actions constitute violations of federal consumer financial protection laws, including the Fair Credit Reporting Act ( FCRA ). 

Details of the Harm : XXXX XXXX XXXX : XXXX XXXX XXXX is reporting a charged-off account with a balance of {$5100.00}, even though public records confirm that the company is not authorized to conduct business in Texas. 
Records from the Texas Secretary of State and Comptroller show that XXXX XXXX XXXX franchise tax status is Ended and its registration is Inactive. 
By reporting accounts for Texas residents, XXXX XXXX XXXX is engaging in unlawful conduct. 
XXXX XXXX XXXX XXXX : Volvo Car Financial Services is reporting a charged-off account with a balance of {$43000.00}, accompanied by numerous inaccuracies : Payment terms are listed as {$0.00} per month for 75 months, which is inaccurate. 
The Last Payment Made is recorded as XX/XX/year>, but the payment history shows {$0.00} received. 
Conflicting statuses ( e.g., charge-off and account closure dates ) render the reporting misleading and harmful. 
XXXX XXXX : XXXX XXXX is reporting adverse information on my credit report that is not mine and is potentially connected to trafficking-related circumstances. 
This reporting has negatively impacted my creditworthiness, despite multiple disputes and supporting documentation submitted to clarify the inaccuracies. 
Actions Taken by Me : I filed formal disputes with the relevant credit reporting agencies ( XXXX and XXXX ) to correct the inaccuracies caused by XXXX XXXX XXXX, Volvo Car Financial Services, and XXXX XXXX. 
I provided documentation of XXXX XXXX XXXX inactive business status in Texas, payment records for Volvo Car Financial Services, and evidence of my status as a trafficking victim. 
Despite my efforts, the companies have failed to address the inaccuracies, and the adverse information remains on my credit reports.
Product: Credit reporting or other personal consumer reports

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>, and I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

[ XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXXXXXX  Date XX/XX/year> ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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

There are several accounts reporting incorrectly and there are accounts that are reporting as a result of identity theft. Please correct the following inaccurate status and remove the following fraud accounts : Incorrect Personal Information : Names : XXXX  ( XXXX  ) Names : XXXX XXXX XXXX ( XXXX  ) ; the correct is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ) The following status is inaccurate on the following accounts : XXXX - Opened XX/XX/XXXX Balance : {$15000.00} I was never 90 or 120 days late XXXX - Opened XX/XX/XXXX Balance : {$0.00}. I was never 30 days late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Opened XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) Bal : {$2800.00} XXXX ( XXXX XXXX ) - XX/XX/XXXX Bal : {$2900.00} ( XXXX  ) XXXX  ( XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX Bal. {$110.00} ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( Experian ) Bal : {$3500.00} XXXX  ( XXXX  ) Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  ) Bal : {$120.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  ) Bal : {$260.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  and Experian ) Bal : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX XXXX Bal : {$160.00} XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX ) Bal : {$120.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$100.00} UNKNOWN - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$360.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1200.00} XXXX - Date Open : XX/XX/XXXX ( XXXX ) BAL : {$3500.00} XXXX  XXXX - Date Open : XX/XX/XXXX ( XXXX ) & XX/XX/XXXX ( Experian ) BAL : {$0.00} XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX   ) & XX/XX/XXXX ( XXXX  & Experian ) BAL : {$810.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$2300.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$1000.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX   and Experian ) BAL : {$0.00} XXXX - Date Open : XX/XX/XXXX ( XXXX  ) & XX/XX/XXXX ( XXXX  and Experian ) BAL : {$1700.00} XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) BAL : {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX ( 6 TIMES ) XXXX XXXX XXXX 2 TIMES )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$510.00}.
Product: Payday loan, title loan, or personal loan

This account was charged off as a negative item. I kept receiving updates that they were still reporting late payments and still adding interest after it was closed. I went from owing XXXX something dollars to XXXX something dollars. I called to try to pay the settlement but they were still trying to charge me XXXX something dollars. I was hoping theyd stop reporting late payments its just making my credit score drop even more and its making it harder for me to buy a house, or get another credit card.
Product: Credit reporting or other personal consumer reports

I sent the following letter to Chase Card Services and XXXX to dispute and request removal of the late payments they are reporting to the credit bureaus : XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct : XXXX XXXX To Whom It May Concern : This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they ( the late payments ) were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Last 4 of SSN : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting company Equifax exposed XXXX XXXX Americans ' information in a data breach. I called their customer service line but was told to simply submit a fraud detection alert for the next 90 days.
Product: Credit reporting or other personal consumer reports

" I recently reviewed my credit report and found unauthorized inquiries that I did not initiate or approve. These inquiries appear to have been made without my consent, and I have no relationship with the companies listed. I am concerned about the impact this has on my credit score and the potential misuse of my personal information. I believe these inquiries are a violation of my rights under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my XXXX data.
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 XXXX : # XXXX, XXXX : # XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

On XX/XX/year> I deposited a check in my Wells Fargo Business checking account for {$29000.00}. This was a check from my XXXX XXXX XXXXXXXX checking account. So I can see the the account activity and withdraw from the XXXXXXXX XXXX  Account on XX/XX/year>. On XX/XX/year> I received a letter from Wells Fargo saying that the funds from the check were being held until at least XX/XX/year> do to insufficient funds at the time of inquiry or XX/XX/year> or the day that Wells Fargo withdrew the find form XXXX XXXX. The fund can not be insufficient and still withdrawn. 

Wells Fargo is fraudulently withholding funds for 10 days for a fraudulent reason. If they do that to just a small percentage of customers, they are making millions off of customers. 

I tried to get help on the phone and at my local brand and they would not explain their actions. I have all documentations for proof of my complaint. This is 100 % fraud by Wells Fargo. The XXXX XXXX XXXX manger confirmed my claim as well.
Product: Checking or savings account

Background : On XX/XX/XXXX, Bank of America ( BoA ) abruptly closed my newly opened business checking account without explanation. Their letter stated this decision " may affect [ my ] ability to open an account at other financial institutions for up to five years '' and " may be reported to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX '' Since then, I have repeatedly requested an explanation, only to receive misleading responses, dismissive customer service, and ultimately a refusal to provide any reasoning. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Resolution XXXX at BoA, claiming they had carefully reviewed my case. However, her response offered no new informationinstead, she simply restated the same documents I had already referenced in my complaint. This is not a meaningful response nor a thorough review of my case. 

BoA has failed to provide a valid reason for terminating my account or banning me from future banking. Their lack of transparency is unacceptable and deeply concerning. 

Key Issues : 1. Refusal to Provide a Justification BoA closed my account, banned me from future banking with them, yet refuses to explain why. 
Their XX/XX/XXXX, letter from XXXX XXXX refers me back to the same documents I cited in my complaint for " further clarification '' which makes no sense given that I had already reviewed and understood them. 
This response demonstrates either a lack of proper review or a complete disregard for my concerns. 
I have a right to know why my account was closed and what information was used to justify this decision. 
2. Misleading Information About Consumer Reporting Agencies BoAs XX/XX/XXXX letter suggested my closure XXXX be reported to XXXX or XXXX. 
After checking my reports with both agencies, I found no negative or derogatory information. 
On XX/XX/XXXX, BoA contradicted their previous statement, confirming that " we confirmed information on this account isnt being reported. '' If BoA never reported my closure, why direct me to these agencies? If they used external data to justify their decision, I have the right to know what it was. 
3. Unacceptable Customer Treatment & Business Disruption I have been a longtime BoA customer with multiple personal accounts in good standing. 
Not only was my business account closed without cause, but BoA also advised me not to attempt opening another account in the future. 
Their lack of transparency and dismissive response has impacted my ability to establish business banking relationships elsewhere. 
Conclusion : BoAs response from XXXX XXXX failed to provide any new information or reasoning for their actions, demonstrating a complete lack of accountability and customer transparency. 

I request the CFPBs intervention to ensure Bank of America provides a proper explanation and to review their handling of arbitrary account closures that affect both individuals and businesses.
Product: Debt collection

In accordance with the fair credit reporting act ( CREDENCE RESOURCE ACCOUNT NUMER STARTING WITH XXXX } in the amout debt of {$470.00} 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: Credit reporting, credit repair services, or other personal consumer reports

SHOWING A LATE ON MORTGAGE FCRA VIOLATIONS IF IT CANT BE CORRECTED MUST BE REMOVED FTC VIOLATIONS XXXX  XXXX  XXXX  FTC VIOLATIONS FILED AND SENT
Product: Payday loan, title loan, or personal loan

I opened an account with Amplify Funding in XXXX, 2018 for {$850.00}. I don't believe I received the actual interest rate until after I signed, but now see that it's XXXX  %!!! For an {$850.00} loan, they want me to repay {$3100.00} back! I have made the first payment via ACH from my checking account, but feel I should not have to pay back at a XXXX % interest rate, which seems like loan sharking.
Product: Debt collection

This morning I received a message at my place of employment ( XXXX ) XXXX from XXXX XXXX supervisor from Atlantic Recovery Solutions letting me know that I havent made a payment since XX/XX/2019. And he wanted me to call him back to make a payment arrangement before XX/XX/2019 or else he was giving back the account to his client so that they file suit against me. Scared to death, which for the record this is the THIRD notification to this company advising them that I am NOT allowed to receive personal phone calls at work. I called XXXX back and let him know please dont call my job that he needs to call my personal cell number and I asked for my account number so that I can make a payment online he said no he wasnt giving it to me that I needed to pay off the balance of {$500.00} I told him no that I dont have that and that I will make a payment online he kept telling no about account number when I asked for it and that he was making a note that I refused to make a payment, and threatened me that the next step was wage garnishment. I let him know that I am not refusing I am asking for my account number and he wont give it to me. I also let him know he cant do that as along as I make a payment. He told me I dont know this work " honey '' and I told yes I do he hung up on me. I called him back asking for my account number he wouldnt give to me that I have to make a payment over the phone I let him know I dont give my credit card information over the phone but that I will do it online he said no because back in XX/XX/2019 I suppose to make a payment online and I didnt I let him know that I honestly got side track do to me being at work but that I have everything ready to go on my computer screen I just need my account number he once again said no that I have to pay the full amount of XXXX right now over the phone. I told I dont have that but I will make a payment online and he said no and hung up. I have never felt more threatened, disrespected, and intimidated in my entire life.