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

Subject : Formal Dispute of Inaccurate Credit Report Information Under FCRA ( 15 U.S.C. 1681b & 15 U.S.C. 1681i ) To whom it may concern, I am writing to formally dispute inaccurate and unauthorized information on my credit report. 
Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that you investigate and correct the following items immediately. Additionally, I am invoking 15 U.S.C. 
1681b, which restricts access to my credit report to permissible purposes only. 
Upon reviewing my credit report, I found multiple errors that require your immediate attention. 
Disputed Accounts : 1. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
2. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
3. XXXX XXXX XXXX - Account # XXXX Issue : This account is marked as charged off, but I have not received prior notice of this. If the information can not be verified, I request its deletion. 
4. XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
5. XXXX XXXX XXXX - Account # XXXX Issue : This account is reported as a charge-off, but I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
6. XXXX XXXX Account # XXXX Issue : Late payments are being reported inaccurately and I do not recognize this debt. Please provide documentation verifying its validity or remove it. 
These accounts contain inaccurate, incomplete, or unverifiable information, and I am requesting an investigation into their validity. If they can not be verified with supporting documentation, they must be removed from my credit report under FCRA 15 U.S.C. 1681i. 
Unauthorized Credit Inquiries Dispute ( 15 U.S.C. 1681b Violation )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove XXXX XXXX RHODE IS XXXX from my credit report..It is showing multiple late payments..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Product: Credit card or prepaid card

I had my credit card with Wells Fargo ever since XX/XX/2023 with a credit limit of {$4500.00}. I destroyed all my credit cards except for this one. I planned a trip recently and to only use this credit card on XX/XX/2023 to XX/XX/2023. This was the only card I had on me. I left out of town and my credit limit was decreased from {$4500.00} to {$2300.00} and my balance on the card was {$2200.00} leaving me with nothing to charge and I couldnt use my card to make reservations with. I called Wells Fargo to figure out what had happened, the first rep said it was strange that it did happen and the second rep said there was nothing they could do and asked me if I could find a family member or friend to loan me money after I expressed to her that I only had Wells Fargo credit card only. This left me in a horrible pickle, as I was XXXX XXXX hours away on my trip to discover this issue. I had to get my credit pulled right then and there to see if l could have for my credit limit back of {$4500.00}, then was told I had to wait 5 to 7 days for a response. Ive been in banking for over 10 years with a great payment history with my creditors and this has never happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX and experian credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have disputed XXXX XXXX XXXX with XXXX, XXXX, and Experian and have repeatedly asked for PROPER validation of debt from XXXX, as well as, asked Experian, XXXX, and XXXX to verify information they are reporting is 100 % accurate, which is my consumer right and failing to do so is a direct and blatant violation of my consumer rights. XXXX, XXXX, and Experian never investigated information they are reporting as 100 % accurate. In fact, each of them are reporting different information. If they all obtain their information from the same place, how is this possible? They refuse to remove inaccurate and unverified information from XXXX XXXX XXXX. Furthermore, XXXX XXXX XXXX continues to make representations about unsubstantiated debt. I have asked numerous times for XXXX XXXX XXXX to send VALID and SUBSTANTIATED documentation that the debt is valid, and that they are legally licensed to collect in the state of Texas. They never would produce any substantiated documentation. Often times, sending some copy of a credit card statement that I did not recognize, but could not produce anything more. They are still threatening to collect on debt that is past the statue of limitations. They are reporting the account inaccurately and without validation and as such, this has caused harm to my financial well being. They initiated legal action against me when it lacked proper documentation about the debt. XXXX XXXX XXXX did not provide the required disclosures when collecting on debts beyond the statute of limitations. XXXX XXXX XXXX committed numerous violations of the Fair Credit Reporting Act and its implementing Regulation V, which include : Failing to inform me about investigation outcomes : On numerous occasions when XXXX XXXX XXXX determined that my dispute was frivolous or irrelevant, it failed to timely inform me about what information would be necessary for XXXX XXXX XXXX to investigate the dispute.
Product: Debt collection

Debt collector is attempting to collect potentially fraudulent account despite several disputes and demands for documentation indicating proper ownership. Copies of disputes and proof of identity were sent to debt collector. They refuse to conduct a proper dispute and continue to report account to credit bureaus.
Product: Student loan

First, my loan was consolidated and Navient remained my lender. I paid my bill, but Navient did not make it clear they had changed the mailing address. It took them at least a month, if not more, to locate where my payment was sent. 
While waiting for this to be reaplved, I was being called multiple times daily for not making my payments despite the fact Navient said they would stop calling. I was charged late fees while Navient " searched '' for my payment. 
Then, when a payment was " late '' because they could not find it, I was continually pushed to go into forebearance. Once, I requested on a XXXX that I make my payment that XXXX which was my payday. The operator continually suggested I go into forebearance instead of saying ok or offering another alternative or even suggesting it would be in my best interest to pay that day.
Product: Checking or savings account

Unemployment claims were deposited into my account and, my card was deactivated and the funds that were deposited are not in my account once they made my card active ,3 deposits or more are not accounted for, I have not received any yet customer service was notified by unknown in XXXX and IA, also I made a complaint. My funds were over XXXX  dollars and my bills are behind, bills are overdue and some in debt collections. Please resolve this issue so I can return to work eventually. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following Inquiries need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/2024 - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XX/XX/2024 - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXXXXXX - XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a number of fraudulent accounts listed on my credit report all were removed accept XXXX XXXX date opened XX/XX/2022.
Product: Credit card or prepaid card

Problem : Chase Bank allowed a vendor subscription purchase on a locked card. Then, charged fees and interest. Several months later, I was alerted to the charge and I called Chase to report this issue. The phone number on their website is incorrect and did not point me to a correct number. Once I found a good number, the first customer service rep hung up when attempting to transfer me. I called back. The second customer service rep and manager gave me the run around. The attached file shows the following : 1 ) Account has been locked since XX/XX/XXXX 2 ) Chase message that purchases are not allowed on locked accounts 3 ) Vendor subscription purchase allowed in XX/XX/XXXX. Fees and interest charged on this expense. 
4 ) Incorrect phone number listed in customer service portion of the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( XXXX ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm Upset with Equifax! There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Checking or savings account

It started XX/XX/XXXX when I seen charges to my checking acct I called in made a disputed over insurance companys charging my debit card XXXX dollars that is just in 45days I never atherised that I am on XXXX I am XXXX so I just get paid once a month that act like I am lieing to them and they would take small amount s out and now the bank has charge meXXXX dollars that was my check and know it is XX/XX/XXXX and nothing has been done can not pay bills or groceries they do not care
Product: Credit card or prepaid card

A fraudulent purchase was made on my Wells Fargo credit card on XXXX for {$1200.00} for XXXX XXXX. I have since been in contact going back and forth with Wells Fargo disputing this charge. They have made little effort to resolve this issue. I took the initiative to contact XXXX XXXX directly. After many attempts to reach XXXX XXXX, a representative responded. She gave me the information that the charge was for a gift card, the email of the person, and phone number of the person who made this fraudulent charge. Not only is stealing this amount of money a felony, if they use it to cross state borders it could be a federal crime. The person who made the fraudulent charge had my credit card information ( this card has since been cancelled ) and has my home address information. I believe the person who made this fraudulent charge should be investigated and face criminal charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief. Information on my report is incorrect.
Product: Mortgage

Shellpoint Mortgage is my mortgage company and they have made some big misrakes on my mortgage/payments. I have continually paid them all payments for except for XXXX ( the representative told me not to make any payments until my account was updated. To sum up what happened was my interest rate is the ARM so my Arm had changed and Shellpoint went and retroed my payments back to XX/XX/year> with the new interest rate but failed to post all my payments that I made this year ( I have banking and portal info showing I made all my payments ). Now they sent me a bill for XXXX stating I am 10 payments behind because of their negligence posted on my account. I have tried over 4 times calling and getting this resolved and I keep being told that it in fact XXXX internal error and 5 to 7 business days it should be corrected. I called 20 times on a Saturday and although it said they're opened i couldn't get thru to handle this other than on a workday. There has been no correction and I have not been contacted as I have requested numerous timed, to get this resolved. I was told by a Shellpoint representative to submit a dispute as well and I haven't had any one contact me back. This is absolutely Ludacris with how this happened. I don't know what else to do besides contacting your company or a lawyer. I just want this error corrected. I would never allow this to happen to my mortgage.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to this company 6 times by mail and i have not gotten a response i have debt validations letters and also cease letters, i have not gotte any responses back
Product: Credit reporting or other personal consumer reports

Transunion Subject : Request for Reinvestigation of Account Accuracy I am writing to formally request a reinvestigation of an account listed on my credit report. Despite a previous verification indicating that the account is accurate, I believe there XXXX still be inaccuracies that need to be addressed. 

The account in question is : XXXX XXXX ; Date of last XXXX : XX/XX/year>. Upon reviewing my credit report, I have identified discrepancies that suggest the information provided may not fully reflect my financial status or history. A charge off account is a Certificate of Indebtedness which is income according to the IRS. This account has been written off and is to be reported to the IRS for the purpose of filing this on my personal income. This account reflects that it has been charged off and according to general accounting principles, this account can not reflect a past due balance that transunion has listed of XXXX. This is inaccurate reporting. The account is XXXX reported to be reported on federal income tax.The Maximum delinquency dates are incorrect, Transunion is reporting a 120 days delinquency of 120 days for two months, both in XXXX and XXXX, this is inaccurate reporting according to XXXX U.S.Code 1692. I kindly request that you reinvestigate the accuracy of this account providing me with detail description of the department in which you conducted the reinvestigation with, the name of that person, date, and details of the account status of payment/accounting that verifies the proof that I am responsible for the amount being reported. Details are to be provided that indicate that XXXX XXXX actually gave me a loan, statements are not to be provided as those do not prove that money is owed and the amount is past due. Transunion is to provide with the reinvestigation proof from XXXX XXXX with general accounting information from XXXXXXXX XXXX XXXX XXXX Please inform me of the results of the reinvestigation with everything I have requested and the results of the reinvestigation. I ask that a copy of my updated credit report. Thank you for your prompt attention to this matter. 

Thank You.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX  XXXX {$990.00} XX/XX/XXXX XXXX XXXX  ************ {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX & XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.