23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN COMMUNICATING WITH THIS COMPANY SINCE XXXX OF XXXX VIA MAIL. I HAVE SUBMITTED SEVERAL REQUESTS TO THEM AND THEY HAVE FAILED TO UPDATE ME EACH TIME. PLEASE SEE ENCLOSED DOCUMENTATION THAT I HAVE MAILED OVER THE MONTHS. I FEEL MY CONSUMER RIGHTS HAVE BEEN VIOLATED REPEATEDLY AND I NEED THIS RESOLVED IMMEDIATELY. THANK YOU.
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 or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX 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 such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) 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 a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and XXXX 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 ( 5 ), 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX  compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

Despite my previous written requests for TRANSUNION to provide me with the name of the person in their company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file TRANSUNION ignored my rights and instead told me that they are labeling my dispute as Frivolous. Their actions clearly demonstrate their willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.1. The following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

EarnIn deducted a repayment from my account which made it several hundred in the negative, I asked if we could defer the payment and was told they can refund it for me once it is no longer pending, once it was no longer pending I contacted them again and half of the amount had already fallen off but half still remains, this was on Saturday at XXXX and they said they would check my account and didn't answer for awhile then said they would transfer me to a specialist. I continued to check into the chat for an hour and gave up and when I went back they didn't reply until XXXX on Sunday and said that since the amount has already been credited they can't do anything, which is not what they told me before. I replied on Monday ( today ) at XXXX explaining that to them and since then no one has answered and it is now XXXX and I really need to pick up medication and groceries after work today, therefore I have attempted to email them with no reply and also called them but it did not even ring and I was asked to leave a voicemail even though it is the middle of the day on a Monday.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am an American citizen and Wells Fargo customer. I travelled to XXXX in XX/XX/2020 to apply for XXXX residency. I informed Wells Fargo three times - once via phone and twice in person at the branch that I was traveling and would be making an important wire transfer in XXXX to a XXXX XXXX account in my name. Of course, Wells Fargo blocked the transaction ( which was for less than 1 % of my available balance across my accounts ). When I called and verified my identity and correctly answered all their security questions, I was told the last step was to go to a branch and show photo ID. That was impossible since I was in XXXX and Wells Fargo has no branches there. My passport was confiscated by the XXXX government during the residency application process. The only way to get it back was to pay the residency application fees ( via the wire transfer that Wells Fargo was preventing ). Not only did Wells Fargo refuse to authorize the wire transfer, it cut me off from ALL of my online banking. Wells Fargo left me stranded in XXXX with no access to my money and no passport despite me having notified them three times about my need to make this transfer and answering all security questions correctly. Wells Fargo even very insultingly suggested that a traveler should have more than one form of payment with them for safety, such as a credit card. Thats obviously ridiculous because without the ability to make payments on a credit card from your bank account, ones credit would only last for a short time- perhaps a few months before being cut off. I was in a position where I couldnt get my passport back without access to my banking. I believe I was discriminated against and illegally denied access to my property. Wells Fargos response to my complaints has been pure fabrication - that I failed to properly identify myself and failed to verify the wire transfer. I believe that their policies and procedures make it impossible for an American customer to regain access to their accounts from outside the U.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX  XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

my bank ( XXXX XXXX ) said they transferred {$3000.00} on XX/XX/XXXX to XXXX based upon a " auto-debt '' request received from XXXX. The {$3000.00} funds were " removed '' from my account. But never " posted '' as payment received by XXXX. 

XXXX says they never received the money, and said that in fact XXXX received an NSF response from XXXX XXXX. 

XXXX XXXX denies ever sending an NSF response. XXXX XXXX confirms they no longer have the {$3000.00}. 

Both XXXX institutions say they don't have the money -- and I ( the consumer ) have {$3000.00} " lost '' in the XXXX transactions world. Neither institution will call the other -- they only want to talk with me and send me emails. I have made no progress is finding my " {$3000.00} '' since XXXX XXXX and repeatedly get " misinformation '' or " redirection '' from XXXX. Their " left hand / right hand '' does not communicate and gives the impression of fraudulent business practices so they can claim deniability of operational errors. 

I'm requesting a Fraud Investigation be opened on both XXXX XXXX and XXXX Mortgage so that I can ... XXXX ) receive my {$3000.00} back. XXXX ) If XXXX is at fault, I want he {$25.00} late fee charged to be reimbursed and XXXX ) whomever is at fault for " loosing '' my {$3000.00} -- I want interest to be repaid to me from XX/XX/year> when it was removed from my checking account. 

I have provided screen prints and documentation with both institutions as well as a timeline in my attachment. 

First PDF Attachment : Attachment pages XXXX -- provide the timeline of communications Attachment page XXXX -- provides screen print of XXXX XXXX XXXX Attachment pages XXXX - provides screen prints and emails with XXXX XXXX Second PDF XXXX : Attachment pages XXXX - provides screen prints of Chat Session with XXXX Attachment pages XXXX - provides screen prints of XXXX XXXX XXXX message center.
Product: Credit reporting or other personal consumer reports

I see unknown inquiries and accounts on my credit report that I didnt authorize
Product: Credit reporting or other personal consumer reports

I reached out about reporting errors on all three of my credit reports via phone, and email. neither of the three companies, Experian, XXXX, or XXXX have removed these errors. These are negative items. The companies gave invalid reason as to why these errors are not removed. They are violating my consumers rights. According to the 15 USC 1681, they are unfair.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally advise you of the deletion of an account from my XXXX credit report and to request that the corresponding charge-off account be deleted from my credit reports with the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ). The account in question, which was a XXXX XXXX XXXX charge-off, was disputed and subsequently deleted from my XXXX credit report after an investigation was completed on XX/XX/2024. 
Given that XXXX has completely deleted this account from my credit file, I respectfully request that XXXX, Experian, and XXXX take the same action. The information associated with this account is now verified as inaccurate and can not be substantiated with documentation. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 and 611, any information that can not be verified must be removed from the credit report. The FCRA clearly protects consumers from having unverifiable or incorrect information impact their creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I request that the unverifiable XXXX XXXX XXXX charge-off account be deleted from my credit report with your agency within 30 days of receiving this letter. Failure to do so within this timeframe would be a violation of my consumer rights under the FCRA. 
As outlined under Section 611 of the FCRA, if an item is not verifiable after an investigation, it must be removed. If the credit reporting agencies do not delete the unverifiable debt, I am aware that I have the right to take legal action, including but not limited to pursuing claims for damages. I also reserve the right to take any additional legal recourse available to me, including reporting the violation to the CFPB and potentially filing a lawsuit for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 
Please confirm the deletion of this account in writing within XXXX  days, or if the information is still being reported, kindly provide a complete and accurate response substantiating the debt. 

I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

for one, they ALWAYS autodial my call, never state who they are until i give in and give them personal information. If i ignore the call on my cell phone it redials immediately so that they are calling me within seconds of hitting ignore. I have no Idea how they do this but it happens everytime, the only way to get it to stop is to turn my phone off by removing my battery ( includes remiving a difficult to remove protective case ) or by answering. Whne I expressed that it is illegal to use an autodialer system on a cellular phone line the representative told me " thats your problem '' I informed him of the law, he said " it is a system used to call you '' then when I talked about the harrassing calls he stated that they are allowed to do this. I know my rights you can not call me 20 times back to back to back if i ignore or do not answer the call. <P/>also to get them to identify who they are is like pulling teeth. wont tell me who they are or who they are with unless i agree I am who I am and other information. Information I do not feel comfortable giving over the phone to someone who calls me
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart Network Inc illegally obtained my information and ran a credit check in order to advertise to me. I have never given them my social security number, nor filled out a loan request. They hacked my info and filled one out for me, then ran my credit. There is no signature from me giving my permission, nor have I ever even clicked on their website.
Product: Debt collection

I received a bill from the doctor 's office for a balance. The bill was paid at the doctor 's office. Per the doctor 's office everything was in fact paid in full. Thinking that this one bill must have been overlooked somehow I went ahead and paid Southern Credit Recovery , Inc {$40.00} ( ck # XXXX ) on XX/XX/2016. After paying the collection company I continued to receive bills. I forwarded to the collection company a copy of the cleared check. Even after I have forward to the collection company multiple times a copy of the check and notifying them the bill was paid they continue to send demand letters. I then requested them to no longer contact me and that request too have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Transunion, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Transunion now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

DSNB MACYS DISCOVERBANK Thank you.
Product: Credit card or prepaid card

The case number at XXXX XXXX bank is XXXX. I was scammed on XX/XX/2022. 
I already alerted XXXX XXXX bank about the scam. I called a legitimate Bank of America toll free number on my credit card. I complained about a purchase which I have made on XXXX which is defective. Bank of America told me to contact XXXX with this number at XXXX or XXXX. XXXX of them is a Bank of America number. I do not remember which number exactly was the XXXX number. When I called XXXX, the rep told me XXXX transfer {$500.00} twice to XXXX XXXX. They told me to do this to determine any fraud was happening in my XXXX account. Then, as the XXXX rep told me to purchase some XXXX on my XXXX account, that's when I got suspicious and realize this XXXX rep is not an XXXX rep even though the actual Bank of America XXXX gave me the XXXX number. When I told the scammer to return the money, they told me that I need to purchase some BITCOIN money transaction to get my {$1000.00}. After that, I immediately contacted XXXX XXXX bank about the fake XXXX rep telling what he wants me to do. The scammer made me download some type of software app into my smartphone. This app somehow helps the scammer look what's on my phone screen as well. I gave him my passcode for the software app to give him some permission to look into my app. The did not say anything XXXX. I already deleted it and used XXXX on my phone to scan any viruses on my phone. 
I called Bank of America to complain about a purchase for {$42.00}. It was defective. BofA gave me the contact number on XXXX. It turns out the XXXX company is not an XXXX company at all, but it was fraudulent. So, I transfer {$1000.00} through XXXX to someone I don't know. Her name was XXXX XXXX. 

It is possible there is a scammer in XXXX or Bank of America, and I need your help to investigate this. 

In addition to the nonsense scam, I did purchase through XXXX for a security camera around {$42.00}. It was defective when I used it on the month of XXXX. I do need your help in this matter as well.