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

XXXX XXXX Trans union, XXXX and XXXX Subject : Dispute of Incorrect Accounts on My Credit Report Reference : [ Your Social Security Number or Account Number, if applicable ] Dear [ Credit Bureau I am writing to formally dispute several items on my credit report that I believe are inaccurate and do not belong to me. These items are as follows : XXXX. XXXX XXXX account XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX account These accounts are not mine, and I have no knowledge of them. They appear to have been added to my credit report in error. Please investigate and verify these accounts. If you can not confirm their accuracy, I request that they be removed from my credit report immediately. 



In compliance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation and provide a written response regarding the outcome of your investigation. If you require any further information to facilitate this process, please contact me in writing at the address above. 



Attached, you will find the following documents to assist with your investigation : A copy of my government-issued ID ( e.g., drivers license ) Proof of address ( e.g., utility bill or bank statement ) A copy of my credit report with the disputed accounts highlighted Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by law. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
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. 

XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 an 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.
Product: Debt collection

XXXX XXXX XXXX. sent me a notice that they are attempting to collect my student debt. This notice dated XX/XX/XXXX was received by mail on XX/XX/XXXX. I have since attempted to contact them regarding my debt and have received NO response from XXXX XXXX XXXX. In ever communication I have made I have provided my name, account number, phone number, and email.I called and left voicemails on XX/XX/XXXX, XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called almost daily but I have not always left a voicemail. They have also answered the phone and asked to take a message because their voicemail system was "too busy."I have sent emails through the XXXX XXXX XXXX website "Contact Us" option on XX/XX/XXXX and XX/XX/XXXX.I have sent 2 certified 2 day delivery letters on XX/XX/XXXX explaining my situation and the fact that I cannot get a hold of them. One letter was sent to their complaints department whose address was provided on the back of the notice. The other letter was sent to the mailing address they provided for contact on the front of the notice.I am now past my 30 day period provided in their notice and they still have made NO attempt to return my communications.They have also added over $XXXX to the requested debt amount since my last received communication from the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

As Per my last CFPB Complaint id no. : XXXX My mortgage co XXXX XXXX XXXX Mortgage loan no. XXXX for XXXX XXXX, agreed to correct the 120 days late reporting for XX/XX/2018 payment on my credit report, which was done for few days and was again reinserted 120 days late for XX/XX/2018 payment on my Transunion credit report, i waited for 30 days for this error to be corrected but it did not happen causing some of my credit cards to be closed because of this error. 
i would like XXXX XXXX XXXX to correct the error with Transunion and have Transunion send me the updated copy of credit report with correction.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent transunion a letter in regards to a XXXX  XXXX  they deemed to be verified. i asked for the written XXXX  with my signature to be provided and i have yet to hear back from this company with any regards to my letter that was sent to them.
Product: Checking or savings account

My OPTUM BANK account has been hacked. A recent series of frequent small amounts {$50.00} have been withdrawn by a company called XXXX XXXX XXXX XXXX XXXX XXXX. As a result my XXXX account has now been depleted as a result of these illegal withdrawals.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research botXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/19 I called XXXX to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on XXXX. 

I then called synchrony bank to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

1 ). XXXX XXXX ACCOUNT The amount reporting is {$3600.00} The accurate amount is {$3600.00} 2 ). Synchrony Bank / Care-Credit The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that XXXX return my score to its exceptional credit rating and rectify theses errors.
Product: Credit card or prepaid card

Received a credit card in the mail addressed to XXXX XXXX at my address. No one here with that name, we've lived here almost 20 years in a single family house. The card is a US Bank ReliaCard Visa debit card, needs to be activated. I called the number to report the fraud/mistake, but can't reach a service agent without entering a card number ( which I didn't want to enter in case it activates the card ) or account number, which I don't have, of course, since I didn't apply for the card.
Product: Checking or savings account

In XXXX of XXXX Bank of America opened an " XXXX XXXX XXXX '' account in my name without asking me. I have never had a Bank of America Checking account or Savings account. I do have a mortgage and have made several complaints about Bank of America 's handling of my mortgage to the CFPB over the past year. 

In XXXX  v. Bank of America ( 2017 ), XXXX XXXX XXXX, Bankruptcy Judge, wrote : XXXX XXXX lives. This automatic stay violation case reveals that he works at Bank of America. https : XXXX As of XX/XX/XXXX Bank of America states that I have a negative balance of {$14.00}. That is XXXX for XXXX, XXXX and XXXX of XXXX. 

I have no idea how this account was opened and honestly wonder if it is a punishment for complaining to the CFPB about my mortgage. I would have not considered that prior to reading this article about the XXXX  case : https : XXXX " The judge cited communications from the office of Bank of America 's CEO, both to the Sundquists and to the Consumer Financial Protection Bureau , the watchdog agency currently under attack by the Trump administration . After the XXXX  petitioned CFPB about the case, Judge Klein wrote that BofA lied to the agency by denying that they ever foreclosed. '' " The oppression of the XXXX  can not be chalked off to rogue employees betraying an upstanding employer, '' XXXX XXXX wrote. " This indicates that the engine is driven by direction from senior management. '' He even added that the misconduct of the CEO 's office " strayed across the civil-criminal frontier. ''
Product: Credit reporting or other personal consumer reports

I wish to express my concern and formally raise a complaint about an inaccurate 30-day late payment report by HATFIELD INC DBA GRID. This incorrect reporting has adversely affected my credit score, and I am reaching out to the CFPB to help address and rectify this issue. 

Sequence of Events : XX/XX/XXXX : I initiated an account with HATFIELD INC DBA GRID, encompassing a XXXX XXXX  monthly subscription and a {$200.00} credit line. I received confirmation that auto-pay would be in effect immediately upon account setup. 

XX/XX/XXXX : To ensure clarity, I engaged with GRID 's support, who validated the activation of the auto-pay mechanism on my account. 

XX/XX/XXXX : Notably, while the auto-pay did cover the monthly subscription in XX/XX/XXXX, it neglected to address the due payment for the credit line. It is essential to note that this was the sole instance of non-payment over a 12-month period. GRID did not notify me or provide reasons for this omission. My bank records affirm the monthly subscription payment and show no debit attempts for the credit line. Despite available funds and GRID 's terms stipulating repeated payment attempts in case of initial failure, no such efforts were made on their part. 

XX/XX/XXXX : A subsequent review of my credit revealed a decline of 28 points, attributable to GRID 's 30-day late payment report a report which conflicts with the auto-pay assurances given by GRID. 

Impact and Expected Resolution : This incorrect report shifted my credit category from " Good '' to " Fair '', compromising my financial credibility and opportunities. Such misinformation is not only concerning but also jeopardizes my long-term financial stability.

In light of the above, I kindly request the CFPB to : Advocate for the removal of the incorrect 30-day late payment report on my credit file.
Encourage HATFIELD INC DBA GRID to assess and refine their auto-pay system, ensuring future reliability. 
Seek a formal written acknowledgment and apology from HATFIELD INC DBA GRID for the oversight and its potential implications.

I have attached pertinent documents, including interactions with GRID and the credit report indicating the error, for your consideration. 

Your efforts in aiding resolution and ensuring consumer rights remain safeguarded are greatly valued. I eagerly await a positive outcome.
Product: Checking or savings account

I deposited a check for {$2300.00} on XX/XX/2022 in my SunTrust/ truest checking account. They put a hold on the check saying that it was for verification purposes on my side. The law says that no Bank can hold your money longer than six business days the customer service told me that the deposit was scheduled to enter my account on the XXXX of XX/XX/2022 they are breaking the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub> 2023 I was sent a bad check that I did not know was bad to help out someone and it would in return help me as well. Cashapp cashed the check, let me send the money then when I found out it was a scam I reported it to them and I requested a refund from who I sent it to. When my bank figured out it was a fraudulent check they took the money back leaving me negative {$1000.00} and after trying to get it straight cashapp just pretty much said they wouldnt help at all.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account name : The XXXX Group Account number : XXXX Amount : {$410.00} Account name : XXXX Funding Account number : XXXX Amount : {$1000.00} Account name : XXXX Credit XXXX Account XXXX XXXX XXXX Amount : {$1000.00} Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXr : XXXX Amount : {$130.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$4100.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Product: Checking or savings account

My XXXX  company notified me that my bank returned a XXXX  payment due to insufficient or uncollected funds. I spoke to multiple managers from Marcus by Goldman Sachs, who shared that this was incorrect and that I had the balance to cover the funds. My XXXX  company was able to provide me proof that the funds were returned. This resulted in me paying a XXXX NSF fee, a {$150.00} late fee, and a XXXX dollar credit card processing fee. I have been waiting several weeks for a representative to contact me. At this point, I request that Marcus cover the charges for the fees charged due to their returning the funds. 

The managers spoken to : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX All of my attempts since XXXX should be documented at Marcus since the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CAR WAS STOLEN WITH MY WALLET INSIDE.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance XXXX {$580.00} ( Original Creditor : XXXX ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Incorrect Social Security Number Reporting - Account # XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the reporting of a XXXX XXXX XXXX  account to an incorrect Social Security Number. This error constitutes a violation of multiple sections of the FCRA : 1. 15 U.S.C. 1681e ( b ) requires that " 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. '' 2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) states that furnishers of information may not furnish information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

3. 15 U.S.C. 1681i ( a ) ( 1 ) requires a prompt investigation of disputed information in a consumer 's file.

correct SSN is attached in application from bank ending 2233 Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), you have a duty to correct and update information you have determined to be incomplete or inaccurate. I request that you : 1. Immediately investigate this error 2. Correct the Social Security Number associated with this account 3. Notify all credit reporting agencies of this error 4. Provide me with written confirmation once the correction has been made Per 15 U.S.C. 1681i ( a ) ( 6 ), I request that you send me the results of your investigation in writing. If you find that the information is indeed incorrect, you must promptly delete or correct the information pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Thanks
Product: Debt collection

No previous action was taken National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States has laws that many citizens can use to fix their credit as such. Id like to apply these laws to my credit report as follows. 
15 US code 1692c 15 US code 1692g 15 US code 1681e ( b ) 15 US code 1635
Product: Credit card or prepaid card

Bought a prepaid visa card at the local supermarket. Card was compromised and US Bank reps ( phone # on card ) are indefinitely delaying a fraud investigation ( 60 days so f ar ).