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

To Whom It May Concern, I am writing to formally dispute the inclusion of a bankruptcy entry on my credit report, which I believe is inaccurate and has not been properly verified. 

This information is incorrect because I have never filed for bankruptcy. I am requesting that Experian conduct a thorough investigation into this matter and provide me with documentation or proof of verification that supports the validity of this entry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate or unverifiable information on my credit report. Specifically, Section 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The inclusion of an unverified bankruptcy on my report violates this provision. 

Furthermore, Section 1681i ( a ) of the FCRA mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and remove or correct any information that can not be verified. Courts have consistently held that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information. For example, in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), the court emphasized that credit reporting agencies can not rely solely on automated systems or unverified data and must take meaningful steps to investigate disputes. 

Additionally, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court ruled that credit reporting agencies have a duty to correct inaccuracies and can not simply rely on furnishers of information without conducting their own investigation. 

Given these legal precedents, I request that Experian : 1. Conduct a thorough investigation into the bankruptcy entry and provide me with a detailed description of the procedures used to verify its accuracy.

2. Provide copies of any documents used to verify the bankruptcy.

3. Remove the bankruptcy entry from my credit report immediately if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

two of my student loans have been reported as 90 days or more late. they were not late. they were in and Income Driven repayment plan that had {$0.00} payment amount. I have included a copy of this and I have included a copy of all the times I have submitted a request to Federal Student loans to correct the information they are reporting. They are still currently being reported on my credit reports they are 30-90 days late.
Product: Credit reporting or other personal consumer reports

Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a XXXX  over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my XXXX XXXX. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX  never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in XXXX Grants from XXXX through XXXX vibe. 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute with Capital One Regarding Account Ending in XXXX To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding a dispute I have with Capital One, involving a transaction with XXXX XXXX XXXX on XX/XX/year>, for the amount of {$190.00}. 

On XX/XX/year>, I received correspondence from Capital One stating that my dispute regarding the aforementioned transaction was denied. Despite providing the requested information to support my claim, Capital One re-billed the charge to my account without adequately explaining the reasons for their decision. 

Throughout this process, I have cooperated fully with Capital One 's requests for information and have diligently followed their procedures for disputing charges. However, I believe that my rights as a consumer may have been violated, as the investigation into my dispute appears to have been conducted unfairly or insufficiently. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to ensure a thorough and impartial review of my dispute with Capital One. I seek your assistance in resolving this issue and upholding consumer rights. 

Please find below a summary of the relevant details : Date of Transaction : XX/XX/year> Merchant : XXXX XXXX XXXX Amount : {$190.00} Case Number with Capital One : XXXX I appreciate your attention to this matter and look forward to your prompt assistance in resolving this dispute. 

Thank you for your consideration. 

Sincerely,
Product: Debt collection

I do not own any money for XXXX the original creditor a open balance of {$100.00}. Violation of 15 1692. ( B ) ( 2 ). ( C ) ( A ), ( B ) ( 5 ). The fact of the matter is Lending Act is intended to protect consumers against abuse and decent by creditors and I have been abused and deceived by fraud and many violations not to mention.
Product: Checking or savings account

I purchased an item at XXXX XXXX online on XXXX XXXX, XXXX  with my XXXX debit card through Chime Bank. Order number XXXX. After receiving the item, I decided that I did not like the quality of the material and returned it back to XXXX XXXX with a prepaid label from the merchant. Received an email from XXXX XXXX on XXXX XXXXXXXX XXXX  stating that they received my return and will be issuing a refund immediately. To allow 3-5 business days. On XXXX XXXX XXXX  after calling XXXX XXXX to get a status update, I was informed that they tried to initiate a refund to my acct. and that it was rejected and declined from chime. They tried unsuccessfully several more times in the coming days with the same response. I called XXXX XXXX on XXXX XXXX XXXX and was given a transaction number when they tried to initiate this refund with me on the phone. Transaction XXXX XXXX. Message was, refused credit card, declined. I Immediately called Chime and spoke with several different supervisors with the same outcome. No such transaction on my transaction history. They could not offer me any reason for why my refund would reject. They offered to do a dispute but I would not qualify for a provisional credit. That this so called dispute could take up to 90 days. First of all, they reject my refund with no explanation as to why and then want to make me wait an additional 90 days for my refund that was due to me over 2 weeks ago. I am very frustrated by all of this and very dissatisfied with Chime at this point. I have tried unsuccessfully to reach a corporate office or any other entity to help me with this. I am asking you to please help me to resolve this. I am at the mercy of Chimes customer service agents and supervisors who are clearly not in the US. When speaking with them, Its hard to understand some of them and I feel like this problem is above their knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB in response to Equifax completing an investigation about incorrect information on my consumer report. I asked the corporation to send me a description of the investigation they had conducted concerning the incorrect information. Reference number XXXX. I have not received those results for that investigation. Equifax is defaming my character and my credit worthiness. The incorrect information is still reporting. I have already filed XXXX complaints with the CFPB against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not investigated or returned results on an investigation from XX/XX/2020 and has not sent me any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  ( Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against Experian, XXXX, XXXX, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.
Product: Checking or savings account

I'm a long time customer with Wellsfargo I have a personal and business account with them. My complaint is Wells Fargo has closed most of their branches and has made it difficult to access ATM 'S. Foreign ATM 'S charges fee 's I live in a low to median income area. I notice others has notice that WellsFargo has multiple banks and ATM XXXX in XXXX areas but. not minority areas. This is clearly discrimination toward minorities and income brackets. I resides in the XXXX zip code the population here is XXXX the nearest bank is 15-20 minutes away. That wasn't always the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX, and XXXX in the middle of the year 2021. It is now a new year and I still haven't received anything back from either reporting agency. 

According to 15 USC 1861i ( a ) ( 1 ) ( A ) Equifax, XXXX, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights according to the USC laws. 

Account info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan transferred from XXXX XXXX to Shellpoint in XXXX of XXXX. 
Representatives at Shellpoint seem to be very uneducated and incapable of resolving or explaining issues pertaining to my mortgage. 
I have made several call and to the company and spoken with several representative along with making requests verbally and via email for a Manager to contact me back to resolve the outstanding issues. 
Shellpoint is committing a crime by adding force placed insurance to my mortgage loan of {$2000.00} added both in XX/XX/XXXX and scheduled to bill me again in XX/XX/XXXX per their mortgage analysis. I first reached out to Shellpoint   regaurding this in XXXX. The Team lead I spoke with stated he did see where I am insured by XXXX insurance and didn't understand why I would have force placed insurance. He requested me to send a copy of the policy just in case and he would note the file. 
I expressed concern that I was still being billed {$2000.00} XX/XX/XXXX and should not have because have had no interruption of insurance ( I only changed insurance carriers and the mortgage company paid the insurance out of my escrow ) The rep stated he did show the amount but was positive it was not added to my account balance. He stated he would have a new escrow analysis completed and sent out to me reflecting there was no charge for Hazard insurance and no change in my monthly payment due. I emailed the copy of the EOI to Shellpoint  XX/XX/XXXX and received no new written analysis and it assumed the issue was resolved. My XX/XX/XXXX and XX/XX/XXXX stated payment appeared to be accurate. I did however place several more calls to Shellpoint because I did not get written confirmation that this issue was cleared. Online I could still see that the charge for {$2000.00} XXXX was still reflecting and not reversed. Still no resolution. I did however believe that the issue was resolved because there was no issue in my XXXX and XXXX Statements that is until I received my monthly statement for XXXX requesting me to pay {$1900.00} I promptly called Shellpoint again and issued a complaint and pointed out errors. I was assured that everything wld be corrected and a Manager wld call me back. I received my XXXX statement and this statement shows a payment due for {$1100.00} where I again placed a call to Shellpoint bringing notice to the error and the fact that I have insurance. No one was willing to help and I was told the issue wld go for Manager call back. To date I have received no communication from Shellpoint. On XX/XX/XXXX I did send an email to Shellpoint regarding my unanswered complaint this was done due to having received a collection call and being advised that my credit wld be effected by the short payments because the error has not been corrected my credit and my property wld be at risk. I again asked for a Manager call back and did also advised I would be filing this compliant. I have attached copies of the email 's sent to Shellpoint, the EOI and escrow analyses both from XXXX ( previous servicer that shows them paying my insurance company ) and Shellpoint escrow analysis along with monthly billing statements and payment history.
Product: Checking or savings account

I had a some money deposited into my citi bank savings and checking account when I tried to get it out they said they closed my account for fraud theres no way that was a fraud that was 2 months ago and they havent sent me any check in the mail for my money every time I call they give me the run around its a pandemic going on and I really need my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCURATE BACKGROUND REPORTING AGENCY IS STATING THAT I WAS RELEASED FROM XXXX, ON XX/XX/XXXX, ON TWO DIFFERENT XXXX. THE INFORMATION IS INACCURATE. THE ACCURATE INFORMATION IS NOT REPORTABLE, BECAUSE OF COLORADO 'S 7-YEAR LAW/RULE. 

THE ACCURATE INFORMATION IS, I WAS RELEASED, FROM XXXX ON XXXX ON ONE XXXX, AND FROM STATE XXXX, ON XXXX WITH THE OTHER XXXX. THE SECOND XXXX WAS A XXXX  OF XXXX XXXX XXXX XXXX XXXX, THEREFORE, TO REPORT THAT I WAS RELEASED FROM XXXX, ON XX/XX/XXXX IS CONTRARY TO REASON, WHEN ACCURATE BACKGROUND REPORTING AGENCY IS REPORTING THAT MY XXXX DATE WAS THE DATE OF, XXXX ALSO, BEING INACCURATELY REPORTED IS, I WAS XXXX XXXX XXXX, INSTEAD OF STATE XXXX, ON THE SECOND XXXX 

THE ABOVE INFORMATION IS NOT REPORTABLE, BECAUSE OF COLORADO 'S 7-YEAR LAW : Colorado Consumer Credit Reporting Act 12-14.3-105.3 states that records of arrest, indictment, or conviction of a crime that, from the date of disposition, release, or parole, predate the report by more than seven years are not reportable. 

THEREFORE, THE ABOVE INFORMATION, ACCURATE OR INACCURATE, IS NOT REPORTABLE, TO THE COMPANY, FOR WHICH, I HAVE APPLIED. THE INFORMATION IS BEING UNLAWFULLY REPORTED, TO THE COMPANY, FOR WHICH, I HAVE APPLIED FOR EMPLOYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company XXXX XXXX '. I was willing and ready to use my XXXX  XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information is invalid. I've checked my file an I am interested in disputing all incorrect information on my credit report with transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial request to Experian on XX/XX/XXXX asking for validation of the Chapter XXXX Bankruptcy  that was being reported. I received a response back from Experian stating that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute '' Experian goes on to say to say to contact XXXX XXXX the third party who verified this information. The issue with this is under the FCRA the CRA is supposed to not only verify with the original creditor being the Bankruptcy Court but also have and supply me with the original documents since they have verified. They used a third party XXXX XXXX to verify a Bankruptcy who is not the originator of the debt. 

More so Experian unfortunately told a complete lie on their verification methods. I suppressed the XXXX XXXX file on XX/XX/XXXX also requested my report. If the file was suppressed how was Experian able to obtain verification also on my XXXX XXXX file dated XX/XX/XXXX under Banko Consumer Disclosure Report there's a section for specially used for Bankruptcy. This section says " No records found ''. 

So again, How was this information verified? 

Also the late payments on the two accounts, this is my SECOND request asking for verification as how Experian verified those as well. I received my balance history and NOT any documents showing where my payments were paid late and also the late payments were changed around on the account with no explanation.
Product: Checking or savings account

My Debit card got blocked for suspicious transaction amount XXXX $ that the bank blocked and I had to call to check whats is the problem. 

I called the bank on XXXX XXXX and clearly indicated I don't want this transaction being authorized and asked them to unblock the card, The agent of Bank of America agreed and said she made a note in the system to stop this transaction from being debited then unblocked the card, After few days, on XXXX XXXX, from the card was unblocked I was surprised the bank allowed this transaction to be processed again causing my company loss of XXXX $ followed by XXXX $ apporx for international transaction fees, I called to dispute it but the bank didnt recognize and refused to refund me this amount. 

How come if I rejected this transaction before to be reprocessed if I unblock the card!!! The card should have been covered by insurance against these transactions and should provide immediate refund but unfortunately Bank of America didn't honor this insurance. 

I made a dispute and no response, I made many calls and finally filed a complain and again no feedback for weeks. 
My account number XXXX Name of Account Holder XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX Complain Number XXXX
Product: Credit reporting or other personal consumer reports

please check the information concerning the equifax data breach below in the attachment