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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Subject : Formal Dispute and Demand for Immediate Correction Violation of FCRA Section 1681o for Civil Liability Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX XXXX XXXX as listed under Account Number : XXXX on my Experian credit report. This account is a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 1681o, which holds parties accountable for negligent non-compliance with credit reporting obligations. 

Complaint and Account Discrepancy : The account in question contains inaccurate, incomplete, or outdated information that has been reported negligently, potentially damaging my creditworthiness and causing significant distress. This represents a clear violation of FCRA Section 1681o, which mandates that all information provided to credit bureaus must be accurate and verifiable. Your failure to correct this issue, despite my previous attempts to resolve it, has not only harmed my financial reputation but has also subjected me to unjust consequences. 

Legal Consequences for Non-Compliance : According to FCRA Section 1681o, if the reporting agency or the information provider ( i.e., XXXX XXXX XXXX XXXX ) negligently fails to comply with the regulations set forth in the Act, they are liable for actual damages, including punitive damages, legal costs, and attorneys fees. I am hereby putting you on formal notice that should this issue not be rectified immediately and this account be corrected or removed from my credit report, I will pursue civil action for the damages incurred due to your negligence. 

I demand the immediate removal or correction of this erroneous entry. This is not a mere request, but a legal requirement under the FCRA that must be adhered to without delay. Should this dispute remain unresolved within the legally mandated 30-day period, I will not hesitate to escalate the matter and seek both monetary compensation and legal remedies for your failure to comply with the law. 

Proof of Violation : I have attached a copy of my most recent credit report reflecting the negative account entry, along with relevant documentation supporting my claim of non-compliance. Should you require any additional information to rectify the matter, I expect a prompt and thorough response. 

Please be advised that your negligence in handling this dispute will leave me no choice but to take the necessary legal action against both your agency and XXXX XXXX XXXX XXXX for the financial damages caused by your non-compliance. 

I look forward to receiving your immediate response confirming the removal or correction of this account within 14 days. Failure to do so will prompt me to exercise all legal options available to me. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I ASSERT THAT BY LAW, THE TRANSACTIONS REFERENCED IN MY CONSUMER REPORT WERE NOT MADE BY ME. I CATEGORICALLY DENY PROVIDING WRITTEN CONSENT TO THE COMPANIES INVOLVED TO REPORT OR FURNISH ANY INFORMATION PERTAINING TO THESE TRANSACTIONS ON MY CONSUMER REPORT. IT IS MY LEGAL RIGHT TO ENSURE THE ACCURACY AND INTEGRITY OF MY CONSUMER REPORT, AND I REQUEST THAT THE APPROPRIATE ACTIONS BE TAKEN TO RECTIFY THIS MATTER SWIFTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.
Product: Money transfer, virtual currency, or money service

On approximately XX/XX/2020, I attempted to transfer funds on Coinbase from the " Vault '' feature to the " Wallet '' feature. This transfer required approval from my main account as well as a co-signer email account. The main account had already approved the transfer, as noted on the Coinbase site, but when the co-signer attempted to approve the transfer from their email as instructed, the Coinbase webpage they were sent to said they had already done this action, yet on Coinbase itself it stated that the co-signer had not approved. The co-signer attempted to approve the transfer through the email multiple times, but every attempt failed. After 24 hours, the transfer was terminated due to the co-signer being unable to approve the transfer. 

On XX/XX/2020, I emailed Coinbase 's support team and detailed the problem. I was sent a response email at that time confirming that my case had been received. 

It is now XX/XX/2020, and I have not received any other notices from Coinbase on this issue, and my funds have not been transferred.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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: Debt collection

XXXX XXXX keeps calling ALL of my phone numbers, then continues to call after I tell them XXXX XXXX is not at this number, and then LIES and says they aren't calling. I have them on voicemail. XXXX XXXX leaving VERY THREATENING messages, but she won't answer the phone when you call back. NASTY FILTHY COMPANY full of LIARS.
Product: Credit reporting

I sent a dispute letter to the bureaus ( Experian, XXXX, and XXXX XXXX ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
Product: Debt collection

Hello, Someone named XXXX XXXX & XXXX XXXX, from a company called Atlantic Recovery Solutions has been calling me, my husband, my sons, and they even called my XXXX mother 's house and asked for her trying to collect a debt that I know nothing about. I have not received any documentation from them. I don't know who they represent. XXXX XXXX has even impersonated being an attorney. They have left several messages on my phone, my family 's and friend 's phones. They have told my family and friends that I owe them money and that their calls were an attempt to collect a debt. They've even repeated the last four digits of my SS # number to my husband and son. They've had a machine ( Robo ) call us too. The number that shows on my caller ID is XXXX but their actual number is XXXX. They are harassing us and I don't even know who they are. I have several dates and messages saved on my phone. I want them to stop calling us. My mother XXXX away a few years ago. We are still mourning her XXXX. To call her house and to ask for her, in an attempt to collect a debt that is not hers, is deplorable and they should not be giving anyone my SS #. These people are out of control.
Product: Debt collection

I have sent documents in XXXX of XXXX to the debt collector XXXX, XXXX, XXXX and XXXX XXXX. Stating this debt does not belong to me. I have also requested several times to update all my contact information with all XXXX  bureaus. It still shows on my credit report as a closed account, this hurting my score. The fact that the balance increases. I do not owe anything to Wakefield & Associates nor do I recall visiting any hospital as the date shown on my credit report with Wakefield Associates nor have I ever done any business with their company past or present. I have requested that this information is to be removed and deleted as soon as possible. This is in violation of my rights according to the fair credit reporting act. someone is not marking the dispute information properly As far as XXXX is concerned they refuse to update any personal information on my credit report, names addresses phone numbers. With them being noncompliant I was force to place a fraud alert and security freeze on my credit report. 

I also filed bankruptcy in XXXX, I ask all XXXX agencies XXXX, XXXX, XXXX, XXXX XXXX and XXXX how was this information received and how was this information placed on my credit profile with written or verbal consent. 
I sent a letter to bankruptcy court as they responded by stating that they do not report to credit bureau. I have contact XXXX XXXX and XXXX requesting to which both company stating they do not report to any of the bureau. XXXX XXXX claims they have not provided my personal information to any of the XXXX bureaus. I was never ask nor Have I never given my consent verbally or written to place bankruptcy on my credit report. I'm well aware that this is public information, I never consented to place public information on my private credit report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 

I also open a credit card with XXXX  XXXX back in XXXX of XXXX the credit card was closed in XXXX of XXXX. I requested a paid in full letter as well as a removal remark letter from my credit report since the balance as been paid in full. Instead I receive something stating this will remain on my credit report until XXXX. I request that information must be deleted immediately. 

Inquires- I purchased a vehicle on Saturday XX/XX/XXXX of XXXX without a pre-approval letter. In XX/XX/XXXX all inquires should have been removed from my credit report they remain. It would be dishonorable of to say these things are taking place to my demographics. 

I request that all information is updated with completeness and accuracy. If request can not be met I will be force to seek legal actions according to the violations that I have experienced.
Product: Mortgage

My name is XXXX XXXX XXXX, and I am an XXXX XXXX XXXX Veteran. I purchased my home in XXXX, and I have consistently lived in it since. In XXXX, I hired an attorney and successfully sued Wells Fargo in the United States District Court to get a loan modification. The case settled and concluded with Wells Fargo granting me a loan modification which was reduced to a writing approved by the District Court Judge, me and Wells Fargo. I have abided by the terms and conditions of the loan modification agreement since XXXX, not missing or being late on any payments. However, the Escrow Department of Wells Fargo has violated the agreement on multiple occasions, charging me in excess of what was due for taxes and insurance. On XX/XX/XXXX, I notified Wells Fargo 's Escrow Department that it needed to adjust the escrow account to correct errors and accurately reflect the proper monthly mortgage payment and the amounts due for taxes and insurance in accordance with the loan modification agreement. The Escrow Department refused to accede to my request. On XX/XX/XXXX, I wrote a letter to XXXX XXXX XXXX, XXXX, Wells Fargo Home Mortgage, explaining the problem with the escrow account and requesting an accurate escrow account statement, an audit of the escrow account associated with my loan, and a waiver of my obligation to pay Wells Fargo escrow funds because I wanted to pay the taxes and insurance myself. XXXX XXXX referred the matter to the XXXX XXXX XXXX XXXX, which assured me that the matter would be resolved by XX/XX/XXXX. After XX/XX/XXXX passed without a resolution, I called the XXXX XXXX XXXX XXXX, and learned that their requests for action have been ignored by the Escrow Department. However, for some reason, the XXXX XXXX XXXX supervisor has refused to escalate the matter up to higher managers. For two months in a row, since XX/XX/XXXX, this matter has remained unresolved, my mortgage payments are being held in suspense and I am being considered delinquent. I am suffering a lot of anxiety, stress behind these inexcusable failures to act, and it is affecting my health. In some ways, I think they are doing this on purpose, as I am entitled to principal credits of {$5000.00} for making timely mortgage payments, and Wells Fargo is now ruining my record.
Product: Credit reporting

I submitted a letter to Equifax stating the information they have on file is incorrect. Asked for them to send me verification with my signature on XX/XX/XXXX, 2nd letter went out XX/XX/XXXX asking for the informaton again. XX/XX/XXXX sent letter again asking for information along with letter from U S Bankruptcy Court in Texas. No comments on Report except NO tax liens or judgments. On. XX/XX/2016 sent one more letter before I file suit for not receiving written verification with my signature
Product: Payday loan, title loan, or personal loan

I took out this loan in summer of 2017. I dont know dates or even the amount that I originally took out. Honestly, I took it out and I do owe it. Unfortunately, I can't pay it back and never should have taken it out. I am on Social Security XXXX now and am on a very limited income. I have no financial means to even do small payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Best buy account was paid off in full. The XXXX statement said I owed {$370.00} and I sent in {$380.00} the next month it showed I owed {$28.00} late fee. I called up and they said it was in error and removed it. Two months latter I get a 30 Day late on my credit report. I have disputed it with all 3 bureaus but Best Buy refused to correct to reports. I called them direct and still no help. This account only had a minimum payment due of {$25.00} with no interest and I paid off in full. I have never had a 30 day late and had perfect credit till Best Buy improperly gave my account a late charge and then did not wave it as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 went bank of America XXXX PA meet XXXX XXXX Sales Manager at XXXX XXXX XXXX and she told me you preselected for credit card just apply and get approved right its good card travel, are you sure i got approved new credit limit, she answers yes yes, i did apply and receive a call later 30 minutes from credit team they ask me to unlock credit bureau XXXX which i did and she comes back and telling me, ooh we gon na reduce the limit of another credit and give you this limit {$3200.00}, then after 10minutes i  received one more we gon na decline the application, after secondary review apps i said to her are you playing and just left hard inquiry on credit for 2 years really do bank of America have much time to play with customers and i asked to leave feedback she didn't let me do it so right now i want bank of america remove hard inquiry
Product: Credit reporting or other personal consumer reports

In accordance with the Fair reporting credit act 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 Account name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies on my credit file. TransUnion refuses to investigate instead writing to me to say they need proof of my address ( s ). I have verified my address ' 10 times in 10 years with a copy of my drivers license, utility bill XXXX XXXX PAID receipt. TransUnion sends this letter in an attempt not to have to investigate my dispute. I have a US Postal XXXX XXXX for 20 years and a physical address for 12 years, I have sent proof many times. Again today.
Product: Bank account or service

I recently opened an account with M & T Bank, and my debit card was stolen, and used to take out money. It happened at work, so any co worker could of seen my pin standing behind me at an atm any of those days. It is sad that you ca n't even trust your own coworkers!! I called M & T Bank to cancel my debit and order a new one, and I had trouble just ordering a new card, and they could n't process it, so told me to call back in a week! I have no money now and no card! How am I suppose to eat, pay bills, or anything?! The first time I called the representative was so nasty and hung up on me! I just want this bank to help me with this problem. I switched my bank to join the M & T family, and I have gotten no help! They have not given any response or resolve. Not even a provisional credit to get me by! They hit with fees from every angle, but ca n't help a customer in need. SAD!
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 XXXXXXXX XXXX XXXX  ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from sectioXXXX XXXX XXXX XXXX XXXX 


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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I contacted the collection company and indicated these are not my charges I was never at that hospital and it is showing up On my credit report as debit I owe and I do not. There are two charges from Wakefield & assoc that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Debt collection

Synergetic communications, Inc sent me a letter stating that I owed the amount of {$550.00} with a discount offer of {$160.00}. 
The client that Synergetic com Inc, represents is XXXX XXXX  Overdraft. I've never owned a " XXXX XXXX  '' account. 

I'm asking to erase this from my credit account. 

I'm seeking for this company to prove, dates, signatures, identification, and validation of ownership of this account. I'm also seeking to investigate this company for fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.