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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello CFPB Personnel : This is my second time reaching out the same issue Capital One 360 Bank continues to engage in withholding funds when deposits are made from the same employer/company for the past 4 months.
Product: Credit card or prepaid card

I received communication from Comenity bank regarding unauthorized charges on my account statement. I was told I could call and speak with someone and I have called several times and have never been able to speak with anyone. 
Now they have closed down their credit card departments since they no longer offer their credit cards and I can not speak to anyone about my account nor login to review my account since no one has access. 

I made a purchase back in XXXX of XXXX for {$570.00} and was charged on my Wayfarer credit card for that amount which increased my balance. It was on a deferred interest plan, which I understood if I didn't pay that {$570.00} in full by the end of the 12-month plan, I would be charged interest. 
After reviewing my account I did see I was charged {$130.00} in XX/XX/XXXX since I hadn't paid off that whole amount by that time. This increased my balance. I completely understand that part of it. But then I was charged an additional {$360.00} for the same purchase I made in XXXX of XXXX for {$570.00}. 
And this {$360.00} also increased my balance. This means that Wayfair charged me {$570.00} for purchase and then not only charged me an additional {$130.00} in interest but in addition charged me another {$360.00} a year later. 

Wayfairer still has refused to explain to me what that additional {$360.00} is for. How is it possible that I purchase something for {$570.00} and a year later they are making me pay {$1000.00} for the same invoice? 

I need a detailed explanation of why they are making me pay double the the amount I originally owed for that specific item. 

They have made it impossible for me to speak with anyone or even look at my account now- which is completely illegal. I should have access to my account to review their " charges '' and interest. 

This company is terribly unprofessional and they lie. 

I am attaching everything you need to review this whole dispute. 

Thank you
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that these unauthorized inquiries had been made :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX Unknown {$1400.00} XX/XX/year> XXXX XXXX XXXX Unknown {$490.00} XX/XX/year> XXXX XXXX XXXX Unknown {$330.00} XX/XX/year> XXXX XXXX XXXX  Unknown {$1300.00} XX/XX/year> XXXX XXXX XXXX  Unknown {$790.00} XX/XX/year> NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Mortgage Company : NewRez Loan XXXX : XXXX I am writing to file a complaint regarding inaccurate reporting of late mortgage payments by NewRez. Due to some family-related issues, I have occasionally paid my mortgage slightly late, but I have always ensured that the payments were made before the XXXX mark to avoid negative impacts on my credit. 

Here are the key details of the issue : I reside on the XXXX XXXX, while NewRezs processing center is located on the XXXX XXXX. 
On XX/XX/year>, I logged into the NewRez online portal and made my XXXX mortgage payment. However, due to the time zone difference, the payment did not reflect in their system until XX/XX/year>. 
As a result, a XXXX late payment was reported on my XXXX and XXXX credit reports, even though the payment was made on time according to my local time zone. 
To complicate matters further, I recently discovered that my XXXX report is showing a XXXX late payment for XX/XX/year>, not XXXX, while XXXX and XXXX are only reporting the late payment for XXXX. 
I submitted disputes to all three credit bureaus, but they returned as verified, with no changes made. I have also tried contacting NewRez directly, but their loan servicing department does not take phone calls, leaving me with no means to speak with someone about this matter. 

I am asking for a review of this situation, particularly considering the time zone discrepancy that caused the payment to be recorded as late. I have made every effort to ensure my payments were within the XXXX window, and I believe the late marks on my credit reports are unjust. 

This issue is now preventing me from refinancing my mortgage, and I hope that NewRez can work with me to resolve this matter by removing the XXXX late payment from my credit reports. 

Thank you for your assistance.
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 XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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: Checking or savings account

I'm busy and manage rental properties. I've had this account with TD for years. I recently attempted to make payments via XXXX related to my activities, when time was critical. But inexplicably received a message refusing to make the transfer after I'd input all information- and the recipient was expecting the transfer. I was able to make other arrangement with another institution. A second incident occurred today, XXXX, wherein I attempted to make very small transfers to recipients that had recently made transfers to me- so their account and contact information was known to TD. Again - these transfers were not only blocked after I had input all information - but then TD advised me that my account was frozen or " Placed Under Review '' - because I simply attempted to make these small transactions. FYI the account has over XXXX in it for weeks, and the small transactions were {$50.00} to two known individuals. It is my experience for years that TD quickly and easily accepts funds, but then makes it very difficult for customers to access their own funds via transfers OUT. This gives the impression that there are liquidity issues with the bank. And I've recently discovered XXXX - who partners with most large banks - elects not to partner with TD over things I'm just beginning to understand.
Product: Debt collection

Good Evening, Im disputing that my low credit score is a direct result of some false claims against me. I have no idea how/why this is happening, but it really needs to be corrected. This is hurting my ability to become a successful entrepreneur.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account XXXX XXXX XXXX  3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX  XXXX XXXX XXXX 5. Torres Credit Services I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within XXXX 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.
Product: Checking or savings account

To Whom It May Concern, I am submitting this complaint regarding a 401 ( k ) retirement account I previously held with Wells Fargo, which is no longer accessible or available. The account was funded through two rollovers from my previous retirement plan with XXXX XXXX XXXX. The details of these transactions are as follows : On XX/XX/XXXX, a rollover of {$1900.00} was transferred to my Wells Fargo 401 ( k ) account. 
A second rollover of {$28.00} was also transferred to the same account. 
Both checks were mailed by XXXX XXXX XXXX to the following Wells Fargo address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX After contacting Wells Fargo to obtain information regarding my 401 ( k ) plan, I was informed that they have no records in my name. I was also advised that their 401 ( k ) retirement plans were transferred to XXXX XXXX XXXX in XX/XX/XXXX, and that Principal should have all information regarding my previous account. However, upon contacting XXXX XXXX XXXX, they informed me that they have no records of my 401 ( k ) plan with Wells Fargo.

Following Principals advice, I contacted Wells Fargo again to request the account history or activity details while it was still under their management. Despite my request, Wells Fargo informed me that they do not have that information either. This response is concerning, as I was under the impression that financial institutions are required to maintain records of financial transactions and account activity. 

I later reached out to XXXX XXXX XXXX to obtain additional details regarding the rollovers. They provided me with full information, including check numbers and transaction details. XXXX XXXX XXXX confirmed that the checks were issued in my name and were successfully cashed by Wells Fargo on the following dates : Check Number : XXXX Written : XX/XX/XXXX Cashed : XX/XX/XXXX {$1900.00} Check Number : XXXX Written : XX/XX/XXXX Cashed : XX/XX/XXXX {$28.00} Despite having this confirmation, Wells Fargo has not been able to provide any records or documentation regarding the history of my 401 ( k ) account while it was under their management.

As I am requesting to locate my retirement plan, I expect a full accounting of my 401 ( k ) funds. If the plan can not be located, I am requesting that a full check in the total rollover amount of {$1900.00} be sent to me as soon as possible. The fact that my retirement savings can not be located is extremely concerning, and I am seeking immediate resolution to this matter. 

Please advise on the next steps to resolve this issue promptly. I appreciate your attention to this matter. 

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

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs. 
2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

There are inaccurate names and addresses listed on my credit reports that I have never lived at or may belong to a relative. 

My correct name is XXXX XXXX. Please delete XXXX XXXX and XXXX XXXX. 

My correct address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern over the past year i have reached out to Santander Consumer USA account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows Santander Consumer USA to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2020 and XX/XX/2020 my payments report in good standing ( OK ) as on time payments. Thirty days after my XXXX payment XXXX XXXX reported a sixty-day late payment for XX/XX/2020. There was never a notice statement of outstanding balance for XXXX. A sixty-day late payment for XXXX proves an error. For direct citation concerning this matter please reference 15 USC 1666 ( A ) & ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX such authority. According to 15 USC-81s-2 account is in violation of multiple subsections because not only are the late payments being reported inaccurate they are also being reported during COVID 19. In good faith I have conveyed my hardships with XXXX XXXX on a recorded line concerning the national pandemic and how it impacted my day to day well being, but yet they furnish my report with derogatory marks lessoning opportunities of progress via mortgage, jobs, and other loans that I can leverage to better myself in such trying times.