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

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly Likes undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

709 Please review the Inaccurate Information being report :
Product: Credit reporting or other personal consumer reports

Please Help Me Fix This I have been instructed by my advisor to write a letter to you since I am a Survivor XXXX XXXX XXXX 

I am in a desperate need to fix this problem since I am trying to get my life back together after being involved in XXXX XXXX. 

The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS THAT ARE FRAUD DUE TO XXXX XXXX  : XXXX. XXXX XXXX XXXX / XXXX XXXX - Fraudulent Account Opened XX/XX/year> Account Balance : {$0.00} XXXX. XXXXFraudulentAccountAccount Balance : {$1500.00} XXXX. -XXXXFraudulentAccountAccount Balance : {$0.00} XXXX. XXXXFraudulentAccount-Account Balance : {$0.00}. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies m

e. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute
of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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 ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on XX/XX/2023 at XXXX XXXX XXXX I asked the Experian representative to provide me with written documentation verifying the existence of the bankruptcy listed on my credit report or delete the inaccurate information immediately, per the Fair Credit Reporting Act rules that require them to report current and accurate information on consumer reports. 

I told them that I had already confirmed with XXXX, XXXX, and the district US Bankruptcy Court that there is no bankruptcy on file within the court system with my name. The court also informed me that they do not furnish records or case-related records to credit bureaus, or their " furnishers. '' I was then told by the representative at Experian that it is not their responsibility to prove the accuracy of any information on a consumers report and that it is my sole responsibility to prove that items on my report are inaccurate and that I have to send them documents proving that their reporting is incorrect. I was also told that they could not prove that the information on my report was accurate because they used a 3rd party furnisher and that Experian couldn't verify where the information originated because they aren't required to. 

Our entire conversation should be available within Experian 's recorded calls log. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries related to a company XXXX XXXX XXXX. 

I have tried to contact the company to dispute these inquiries and have been told a manager would call me back multiple times. I have never received a call back. 

The inquiries are as follows : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 While I did engage this company to seek approval for services, i was told several times there would NOT be a hard pull on my credit that it would only be SOFT pulls. I told the representative at the time that I only approved of SOFT inquiries and that I would not engage in any HARD pulls of my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXX XXXX XXXX XXXX, VW CREDIT, AND XXXX XXXX and they are not reporting it to the credit agencies XXXX, XXXX, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, XXXX, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681cXXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX LNAPT XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NORTH XXXX XXXX CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX  BV XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as of XXXX and has also cost me -45 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
XXXX XXXX : inquiry date is XX/XX/XXXX. 
Jpmcb card : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting to all 3 credit bureaus that I have an account with them. I have never opened an account with them, I have called, email and disputed with all 3 credit agencies and XXXX XXXX still claims that is mine. I show Iam a co owner with a person by the name of XXXX XXXX. This account was opened XX/XX/2022. I DO NOT know this person, I do not co own this account. I also see an address on my report that I do not recognize and maybe belongs to this person and account. XXXX XXXX XXXX XXXX MA XXXX. Ive never lived outside Florida nor know anyone at this address. Please look in to this.
Product: Checking or savings account

I have a business account with Citibank and was told that I could have a free personal checking and savings account because of the business account. I opened the free checking and savings account only because it was free. I rarely use the personal checking and savings account. This past weekend I wanted to transfer some funds and found the personal checking account was closed with a XXXX XXXX. I spoke to Citibank and the XXXX  number told me they never offer free checking accounts. I know this to be a lie because older bank statements show that there were no XXXX  XXXX  fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to ChexSystems to verify overdraft fee information provided by XXXX XXXXXXXX XXXX. I requested a signed original consumer contract, overdraft policy of XXXX XXXXXXXX XXXX including dates of overdrafts and fees. ChexSystems was unable to provide the above requested information to verify any outstanding debt. I do not owe any fees to XXXX XXXX XXXX. ChexSystems ' records are not correct!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for XXXX  violations of the Fair Credit Reporting Act ( FCRA ) and United States Code regarding the fraudulent reporting of an account in my name. The account in question involves a fraudulent activity with an original amount of XXXX and a current balance of XXXX. Despite repeated attempts to rectify this issue, Equifax has continuously reported this fraudulent account on my credit report, severely impacting my financial standing. 

I have provided Equifax with XXXX  XXXX  reports, XXXX XXXX XXXX XXXX XXXX XXXX  reports, and have consistently requested proof of their investigation into the matter. However, instead of conducting a thorough investigation, Equifax has merely provided me with statements from the fraudulent account, demonstrating a blatant disregard for their obligations under the FCRA. 

Furthermore, I want to emphasize that I have initiated legal proceedings against Equifax regarding this matter, and their continued negligence has caused significant harm to me both financially and emotionally. 

Equifax 's actions constitute XXXX  violations, including but not limited to : XXXX. **FCRA Violations** : - Failure to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681i ).

- Reporting inaccurate information on my credit report ( 15 U.S.C. 1681s-2 ). 
- Failure to provide me with written notice of the results of their reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ). 
- Failure to maintain reasonable procedures to ensure the maximum possible accuracy of information ( 15 U.S.C. 1681e ). 

XXXX. **XXXX XXXX XXXX Violations** : - Negligence in handling sensitive financial information, leading to harm ( 18 U.S.C. 1029 ). 
- Failure to comply with directives from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  regarding consumer complaints and investigations. 

Equifax 's persistent refusal to correct this egregious error despite XXXX  evidence of fraudulent activity is unacceptable and warrants immediate action. I demand that Equifax cease reporting the fraudulent account on my credit report and take the necessary steps to rectify the damage done to my credit score. Additionally, I request that Equifax provide me with a detailed account of their investigation into this matter as well as compensation for the harm caused. 

If Equifax fails to address these concerns promptly, I intend to pursue legal action to seek damages for their willful violations of federal laws and their negligence in handling my personal information. 

Thank you for your attention to this matter. I look forward to a swift resolution to this issue.
Product: Debt collection

A Collection is reporting on my credit report in the amount of {$230.00} as of XX/XX/year>. I disputed this collection on XXXX and it was deleted. A day later the company tried to Re-age the account to keep this illegal reporting existing on my account. 
According to FCRA re-aging of credit is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  in XXXX XXXX has fraudulently place {$800.00} dollar into collections. I moved out after giving notice to do so regarding a water leak they kept ignoring for weeks. After giving them notice of my intention to move out they asked to come fix the problem. I told them I would have to be home for the repair and we scheduled it for the next day. They decided to come to my apartment while I was not there and did a quick fix and did bother covering my furniture and electronics leaving drywall dust everywhere. Even with my notice via email and in person, they still decided to say I owed {$800.00} over to them. 

XXXX at XXXX XXXX XXXX was also given notice prior to my moving out and still sent {$1100.00} over to collections.
Product: Checking or savings account

I was a customer with Wells Fargo from XXXX. I was subject to thousands of overdraft fees, account minimum fees etc. 

I made numerous attempts to rectify these charges and even change my account type with Wells Fargo to avoid these fees but was never given the opportunity to change the account. 

Early this year, I closed my XXXX account for good for their excessive fees and unwillingness to offer or provide a service that was fit for consumers. 

I believe I am owed damages for the amount I paid to Wells Fargo over all those years.
Product: Mortgage

M & T bank transaction fraud : I sold my house on XX/XX/2018. Closing was finalized and my attorney paid the payoff amount to M & T bank. 6 days later on XX/XX/2018, M & T bank withdrew another {$700.00} from my account for mortgage payment. 

I first called my attorney to make sure everything had been settled and they assured me it had and forwarded me the documentation. Then I called M & T bank to ask what was going on. A summary of the conversation is as follows Me : " I closed my mortgage on the XXXX and today ( XX/XX/XXXX ) I had another mortgage withdrawal from my account '' M & T representative : " I see you did close your account but you had auto-pay setup with us so it withdrew the money automatically. It is your responsibility to cancel your auto-pay or another payment like this will happen '' Me : " Don't you have any simple regulation logic in your system to check if a mortgage is closed and paid in full, to not take more money from a person 's account? '' M & T representative : " No '' Me : " Is there any way of you reversing this transaction '' M & T representative : " No we can't do that on our end. Sorry. But don't worry once accounting finalizes everything. If we took too much money we will just give you a check '' Me : " That doesn't seem right that you can just take more money than you are supposed to '' M & T representative : " I understand, but you were supposed to cancel your auto-pay and you didn't and this is why this happened. You will get a check with the amount if we took too much money '' Me : " Again, it seems weird you don't have some regulation in your system setup to prevent this '' M & T representative : " I'm sorry, is there anything else I can help you with? '' Me : " No '' It seems illegal for a bank to essentially take more money than they are allowed to from my account without my permission and claim it was my fault. Then tell me it is ok they will just send me a check at some unknown time in the future. It seems M & T bank is not being accountable for their actions.
Product: Mortgage

For over 3 months, I have been trying to get the Private Mortgage Insurance ( PMI ) removed from my mortgage loan. I qualify for it based in Wells Fargo Home Mortgage criteria. I initially requested to have the PMI removed and was informed that forms would be mailed to me. I call Well Fargo Home Mortgage back a month later due to not receiving the forms. I requested for the forms to be sent via email ( which I was previously told could not be done ) and they were sent to me. I completed forms and enclosed a {$320.00} dollar check for an appraisal to be continued. The check was cashed 1 month ago. I have called multiple times to try to get them to remove the PMI. Each time, I am told the same thing ( we can't find a person to do the appraisal ). I am given different answers every time and in the meantime I continue to be billed for the PMI. I called again today and asked specifically when the appraisal would be done and when the PMI would be removed. The answer was " we don't know. '' I am aware of the deceptive practices Wells Fargo Home Mortgage has used in the past. In fact, I was part of a government class action lawsuit and I received a small settlement due to the deceptive practices used by Wells Fargo Home Mortgage in a previous mortgage loan. This time around, my mortgage loan was sold to Wells Fargo by a broker and I had no say in this process. Otherwise, I would not have selected them to be my mortgage holders. My loan # is XXXX. I seek a simple resolution - complete appraisal and remove PMI. I also request that this is done retroactively and that all PMI payment that are being currently made be refunded to me. Wells Fargo Home Mortgage continues to use deceptive practices to take advantage of customers. I now ask for CFPB for help. Thanks you.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for months now and the accounts are still reporting. I have not received any information verifying the accuracy of these accounts. I also have an address that is listed on my credit report where I never lived. The credit bureau is saying the information was verified but I can't understand how this information is being verified when its not accurate.
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 XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received several capital one credit card promotional offers over email and mail ( one email every week and one mail every month probably ) indicating I was pre-approved for a capital one credit card with a {$300.00} promotional cash back bonus and 0 % introductory APR for 15 months. 

But when I signed up for a credit card, Capital one pulled my credit twice and they issued me a credit card without the sign on bonus and introductory APR. 

They told me that they had two Capital One - Quick Silver cards on their website. One with the promotion and another without the promotion and they were only able to approve me for the one without the promotion. I believe they intentionally are misleading and confusing so that they do not provide any promotion
Product: Debt collection

I spoke to numerous of representatives and they said it wouldnt be reported to my credit & According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Product: Money transfer, virtual currency, or money service

Hello, I have purchased Cashiers checks from Bank of America, to pay for my XXXX XXXX, on XXXX and XXXX,. I have contacted the bank to research the checks and send me a conformation. 

the bank sent me a letter, that these checks were never being issued, and there are no transactions reflecting their purchase. 

contrary to the bank statement, I have the copy and proof of purchase. 

Thank you,
Product: Checking or savings account

On XX/XX/2022 I opened a U.S bank checking account with the promo code of XXXX. It said if you have direct deposits of {$5000.00} or more I would get a {$500.00} bonus. I called U.S bank that same month to confirm that when I applied I has the promo code attached to my account the customer service representative I spoke with said yes, her name was XXXX. 
It is now XX/XX/2022 and I have yet to receive my {$500.00} bonus.