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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry :
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX BANK XXXX XXXX Balance {$330.00} Opened XXXX XXXX, 2019 - You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting me as 30 to 60 days past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my score and disqualifying me for a loan. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Wells Fargos XXXX number ( thats on the back of their debit cards ) about unusual activity on my account. I went through and confirmed and denied my charges and was prompted to change my pin and a new card would be sent out. They said theyd be in touch. 
On XX/XX/XXXX I received another call from Wells Fargos number about additional withdrawals made. They said they were closing my card and were starting an investigation. 
XX/XX/XXXX I called Wells Fargo back to get claim numbers. It turns out these 2 calls were fraudulent and someone spoofed Wells Fargos number. So I then started the fraud claim process. 
Claims were for the following transactions : Claim XXXX # : XXXX. XXXX in branch withdrawals for {$5600.00} & {$2000.00}. 
Claim XXXX # : XXXX. XXXX XXXX purchase for {$18.00}. 
Claim XXXX # : XXXX. XXXX ATM withdrawals for {$600.00} & {$400.00}. 
Wells Fargo gave me a provisional credit for all of these, but after their investigation was complete they rescinded the {$1000.00} ATM withdrawals saying that because I had my card on me ( it was never lost ) that it must have been me or someone I authorized. I told them this was not the case and they need to check their security cameras. They told me that I would have to file a police report. 
I filed a police report, Case # : XXXX. The detective was able to recover the security camera footage and it is not me. 
I called Wells Fargo back, told them I could send them the stills and they are refusing to refund the {$1000.00}. Im currently trying to speak to their executive office about this which is as far as I have been told I can escalate this.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my XXXXICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX While checking XXXX XXXX I noticed that it showed I had a number of hard inquiries ... the XXXX listed above where all made on the same day that I purchased a car. It seems the car dealer shopped around to find me the best rate, but according to the following, the XXXX inquiries should only be showing as XXXX ... XXXX does not have a way to dispute this and no luck contacting credit bureaus. 

" When youre buying a home or car, dont let a fear of racking up multiple hard inquiries stop you from shopping for the lowest interest rates. FICO gives you a 30-day grace period before certain loan inquiries are reflected in your FICO credit scores. And FICO may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For FICO scores calculated from older versions of the scoring formula, this window is 14 days ; for FICO scores calculated from the newest versions of the scoring formula, its 45 days.Similarly, the XXXX model gives you a rolling two-week window to shop for the best interest rates for certain loans. That way, they only impact your credit score once, the company says. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is displaying a account that I paid as a balance is still being owed and is preventing me to have a accurate report that reflects my obligations.
Product: Debt collection

The company still reporting the balance of the debt to credit bureau and they never sent my 1099c after they charged off as debt. By law 604 15 usc 1681c this debt must be removed from credit report immeadiately is it represent fraud and punishable by law.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I saw incorrect accounts listed, and I dont know why. I always monitor my report, but this time, there were unexpected errors. I even tried refreshing my browser, thinking it might be a temporary glitch, but the inaccuracies persisted. Because of this, I am requesting a detailed review of my documents to ensure I no longer have to deal with this problem.
Product: Credit reporting or other personal consumer reports

TruAccord is a debt collection company that handles debts for the major cell phone companies. I recently discovered that I have a {$4500.00} charge off on my credit report from XXXX and it's being reported negatively on my credit report. It appears as XXXX on my report but they told me that TruAccord is handling the debt and when I call them I have waited for hours on the phone with no answer and never a call back. I want this fraudulent account stricken from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of my credit card accounts and checking account were closed by the creditor. I was not properly notified of this there was no investigation or any valid explanation as of to why my account was closed. The account in question is the secured card that I opened with my own funds of {XXXX}. They chose to close my account when i contacted the creditor their reason was due to fraudulent purposes but as of now there was no explanation of what fraud took place. I opened this account online and transferred the funds from my checking account that I had with them. I had about XXXX dollars on my checking account with them as well. They closed both credit card secured, non secured and checking account. As of now I have not been refunded any of my money. They canceled every and all relationship with me. Now they are reporting that I owe them {XXXX} for a secured card that I opened using my own funds as well as the the {$XXXX} balance on my unsecured credit card. I am requesting that the account be removed from my report also I am requesting a full investigation of the reason why my accounts were closed before I seek counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I open a American Express XXXX credit card referred by my friend, and I was informed that I have XXXX bonus points ( roughly {$750.00} ) after spending {$3000.00} within three months. 
I finish this welcome bonus task but never receive XXXX bonus points. I request an investigation for this issue inside American Express on XX/XX/2019. 
I was never informed any feedback until I called them again. They told me the investigation was already finished and they found " misuse incentive history ''. 
That means I had similar credit cards before or I closed cards right after receiving welcome bonus, which neither of them is true. 
So I asked for more details to prove this conclusion, but the representative said there is no detail or prove. 
So I believe american express has false advertising for a very long time or they secretly and intentionally stealing money from clients.
Product: Checking or savings account

I have filed a complaint with Wells Fargo. Case number : XXXX and XXXX Account ending number : XXXX Consumer Financial Protection Bureau, case numbers : XXXX and XXXX Wells Fargo XXXX 's response was : " The check may have been cashed at XXXX XXXX, but the check was processed at XXXX XXXX on XX/XX/XXXX I have attached an image of the check processed at XXXX XXXX for your records. 
I am now asking Wells Fargo to : Verify that XXXX XXXX XXXXXXXX XXXX deposits the {$25.00} check into the XXXX XXXX XXXXXXXX XXXX  weitong account. 
What I can provide is the statement of the account of XX/XX/ XXXX XXXX XXXX XXXX weitong. It turns out that the check was not deposited.
Product: Credit reporting or other personal consumer reports

I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section XXXX ( c ) which constitutes as fraud. 

I've attached my personal identifiable information to this complaint. FCRA section XXXX ( a ) Block. 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, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that 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 3 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 deleted : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$990.00}
Product: Debt collection

A company called Diversified Consultants has called my cell phone 3 times in the past 3 days. I have not answered but have back-traced the calls. They are a debt collection service. I have no debt of any kind - I own my house, cars, etc and have for many years without loans or mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!!

Haven't received a response from the Bureaus in over 14 days.
Product: Credit reporting or other personal consumer reports

I HAVE SENT LETTERS TO EACH CREDITOR IN ATTACHED FILES. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. 
THESE REPORTINGS HAVE MADE ME UNABLE TO FUNCTION IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION AND HAVE BEEN UNABLE TO ACQUIRE NEEDED ASSETS. 
I BELIEVE I AM DUE {$5000.00}. PER OFFENSE FOR A TOTAL OF {$35000.00}. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After phone and wallet was stolen from out of my car. Bank of America allowed someone to make transactions adding up to {$4600.00} on my account without calling me to authorize a single payment! My accounts have since been closed except one account ( balance of XXXX ) that funds are being frozen for no reason. This is illegal. 

They said they would do an investigation ; they also sent me fraudulent paperwork dated XX/XX/XXXX, stating " We've issued a termporary credit for {$4600.00} while we conduct our research on your claim. '' Another document stating also a credit of {$1900.00} on XX/XX/18. And a third stating that they removed all of the before mentioned funds from my account. Remember all three documents were all created on XX/XX/XXXX, immediately after the freezing of my funds. 

They later determined stated that the refunds were not going to be given back to me even though I never authorized the transactions, my pin number was not used, and I was never alerted about an extremely unusual high spending of my funds. 

After checking my account, no funds had ever been deposited into my account. And the actions and dates mentioned on these documents are false. 



None of these
Product: Credit reporting

I have a collection on my credit report that has been reporting for over 6 years. I have filed a dispute against it more then 3 times. I have never received verification of the debt. Even though I requested it. By FCRA and by law if this is not given within 30 days then you do not have the right to report any information and suppose to be closed. I want to get this removed from my credit report as an early exclusion. The contract with them was cancel. Their is " NO CONTRACT '' This is reporting on my  XXXX  and  XXXX  please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

B

ased On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX in which I cancel the policy. Before canceling the policy I open a policy with another carrier. Ive made several attempts to inform XXXX but it was ignored. I contacted the XXXX XXXX XXXX and finally, the policy was canceled and a refunded check was sent to me. 

After receiving the refund from XXXX XXXX I asked for the calls from XXXX XXXX XXXX to be stopped as well as for the negative information to be removed from my credit report. XXXX XXXX XXXX as well as XXXX XXXX XXXX has again ignored my request. I am asking CFPB to please assist in getting this negative information removed from my credit report and stop the calls.
Product: Debt collection

These XXXX collections have been on my credit report for some time now and I did not know that they were in collections which now is damaging my credit report and scores as i was trying to repair my credit and get it back on track and with advice from an attorney recently, ( bankruptcy attorney ) he advised me to contact the Federal trade commission to try and have these removed as it would help my credit score greatly which is very important to me.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point.

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is reporting on my Equifax credit report please remove it. 

XXXX XXXX XXXXXXXX XXXXk XXXX XXXX # XXXX A ) It is Too Old please delete it. 
B ) Its is Obselete please delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) POB XXXX XXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.