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

I am writing to formally dispute the findings of your recent investigation into XXXX. XXXX, XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/2024 failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Vehicle loan or lease

XXXX XXXX XXXX was financed by Wells Fargo Bank. Vehicle was Repossessed in XXXX as a XXXX XXXX. XXXX was sold at the auction and deficiency balance of $ XXXX was charge off/ written off as a bad debt. This remained on my credit report for 7 years until the credit reporting agencies removed the debt from my credit report. Just recently I received a notice from the IRS that Wells Fargo Bank reported my debt to them via a 1099C form showing they forgave the debt. Wells Fargo Bank did something illegal and they committed fraud against me. I never received the 1099C form, and if I had I would have disputed this because they reported to the IRS that the debt was charged off in XXXX. They are being dishonest and very deceitful for what they are trying to do to consumers. The debt was a auto repo in XXXX. Vehicle was charged off /written off in XXXX and placed on my credit report for 7 plus years. If they were going to forgive the debt why did they not forgive it in XXXX when it was written off. And why wait until after the 7 plus years to report it for year XXXX after it was removed from my credit report. I am willing to fight this legally, my law firm is XXXX XXXX XXXX, they also are willing to assist me with fighting this. I spoke to the IRS and they want me to get proof of the debt being repossessed and charged off in XXXX. I am going to start a class action law suit against Wells Fargo Bank for practicing illegal actions against consumers such as this one. I need documents showing when my loan was repossessed and documents showing when the loan was charged off/written off by Wells Fargo Bank. I have every intention of taking legal action against them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX XXXX on my credit report it's infringement upon a consumers rights to privacy pursuant 15 USC 1692
Product: Checking or savings account

Truist bank advertised a bonus offer of {$400.00} for opening a business checking account with qualifying deposits of XXXX or more. 
I applied for the offer and for a mistake my first check bounced which I tried correcting by depositing second check in the amount of XXXX. 
The check cleared on XX/XX/XXXX and I thought everything is good now. 
To my surprise I received a letter from Truist in the first week of XXXX that they have blocked my account for suspicious activity. 
It has been more than XXXX days and I get vague replies from their customer support each time I try to call their department. 
There is no competent business analyst and they have no reason to close/ hold the account and deny me the XXXX $ bonus along with holding up my XXXX $ for more than XXXX  days now.
Product: Debt collection

I am behind on payments. And they have allowed me time to catch up the payments. But they are now treating me and my wife calls us during working hours. Our family members. And constant emails please help us I suffer from XXXX I can't take much more please help us.
Product: Checking or savings account

I visited the bank in XXXX XXXX Florida with all the necessarily paper work. 
The young lady prepared the forms and said everything was in place and all I need do was wire the funds to their bank. I arranged for the money to be wired to the bank but it was rejected because the paperwork as prepared by their representative was incorrect. 
The money was returned to my bank less {$50.00}. 
I have spoken to a manager and he has not arranged for return of my missing {$50.00}. 
It has been 3 weeks and no response.
Product: Credit card or prepaid card

I made a purchase at Home Depot and when I checked out I was asked by the cashier if I'd like to open a Home Depot account. I was under the impression it was a store rewards account when in actuality it was a credit card account. This was especially misleading because I had to swipe my current/existing credit card when I checked out which I thought was paying for the purchase but apparently they just used the info from my existing account to open the new HD credit card account and automatically charge the purchase to the new account. None of this was effectively communicated to me by the cashier so I had no idea what had just happened. Furthermore, I never received a credit card in the mail and I never activated a card from Home Depot or CitiBank. Now, 45 days later I'm told I have an overdue balance and my credit score has dropped 84 points all because of something I didn't even know existed until I received an email from XXXX XXXX notifying me of the change in my credit score. This practice by CitiBank and Home Depot is deceptive and down right shady. I'm sure others have experienced the same thing. They are playing games with peoples credit scores and livelihood. Both CitiBank and Home Depot should be ashamed of themselves for using such duplicitous business practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Debt collection

On XX/XX/XXXX I switch from XXXX to XXXX XXXX for a lower rate ... my insurance premium ended on XX/XX/XXXX ... and I did not have a lapse in coverage now XXXX   has sent a collection account to the 3 credit bureaus without explanation ... I feel as if I should not be charged {$270.00} for trying to find a lower premium especially if XXXX XXXX has more benefits ... they are over charging me as if I had a lapse in coverage ... I want XXXX to remove this from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buy a second car for my family. 
I attach my previous credit report and my new credit report to show how Equifax violated my rights.
Product: Mortgage

My mortgage account has been placed in foreclosure. I was not made aware nor did I sign any notice of foreclosure documents. I did however, become aware on XX/XX/XXXX after attempting to make a payment towards my account as well as a letter from an attorney dated on XXXX XXXX requesting for full payment of my mortgage account balance. My account is also suspended which is preventing me from making payments. My account was sold of to Gregory Funding. When I got notification and called to see where I should submit payments I was instructed to wait because they were still in process of receiving all of my account details. This occurred sometime in XXXX early part of XXXX. I spoke then at that time with a representative and explained my circumstances and I was left with the impression that my account would be noted what I share with the gentleman. I later ended up submitting a partial payment two over the course of them taking over my mortgage in XXXX and XXXX. Here it is XXXX and my account is suspended and in foreclosure. Beginning in XXXX of XXXX I was out of work for XXXX XXXX months, lost my mother unexpectedly that XXXX and XXXX months prior to that my grandmother passed away. Both of whom I lost due to XXXX. It was a difficult time and still is. Also my payments that I did submit have not been applied to the outstanding balance.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a temporary error, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I have submitted so that I wont have to worry about this again.
Product: Payday loan, title loan, or personal loan

I am trying to get a replacement title for my vehicle to sell it. The vehicle was paid off with BBVA Compass Bank in XXXX of XXXX. In XX/XX/2021, the bank merged with PNC bank and now they have no records of my past account. I have to have a lien of release OR a statement from the bank stating they have no interest in my vehicle and PNC is refusing both. They can not find any of my account information so they are refusing to even write a statement. I can not get a new title for my vehicle without one of these two items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Online access password needs to be reset, having issue resetting password and getting into my account to access my money on the card and I already provided all necessary information needed. And still yet to no avail.
Product: Debt collection

This complaint is the result of New Res ( Shellpoint Mortgage ) negligence, unfair business practices, incorrect and inconsistent credit report across bureaus, and some other violations to the California Credit Reporting Act. 

The account is the following : account # XXXX opened XX/XX/2019, highest balance {>= $1,000,000}. 

I am demanding a fair solution, and this company must remove the item from my credit report. This situation is overwhelming. Ive been psychlogically affected because of this issue. 

Please send the attached documents to Shellpoint Mortgage. 
Thank you very much.
Product: Payday loan, title loan, or personal loan

In XXXX, we needed financing for our roof. The roofing company quoted us XXXX dollars and began the credit check/application. During the roofing project damage was discovered on a skylight. The roofing company needed to update their quoted price and ended up deciding XXXX dollars was fair. We agreed and began the paperwork, finished the roofing job, and we recieved our loan paperwork in the mail. ONLY the {$16000.00} loan was disbursed and that money was paid directly to the roofing company. 

When I logged into foundation finance 's website shortly after in XXXX, it listed both the the quotes as loans we owed money on as two separate loans payments were owed for. I called the company, they said the issue would be resolved and absolutely nothing happened. 

I called again XX/XX/XXXX, and was told the same information, it would get fixed but it would have to wait until Monday. I only received one loan of XXXX I did not receive the XXXX loan, but they are trying to collect on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Credit Bureau have failed to properly invesitage the disputed erroneous account that have been reporting on my Credit File. The Equifax Credit Bureau is reporting a different information from other bureaus. The account XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, 2020 and a Balance {$22000.00} was never late and I always make my payments on time. This account is only reporting as late in your bureau. If Equifax 's 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.
Product: Credit card or prepaid card

I applied to Chase XXXX XXXX XXXX XXXX card in XX/XX/XXXX. One of the benefits advertised at the Chase and XXXX XXXX websites was Youll earn XXXX PQP for every {$12000.00} you spend on purchases with your Quest Card ( up to XXXX PQP in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level. According to my credit card statement, I had spent more than {$12000.00} since I opened the account in XX/XX/XXXX. After more than a month I have not received XXXX PQP. I contacted both XXXX XXXX and Chase for more than half of a dozen times in the past week. I was told that I have not received the XXXX because I did not spend {$12000.00} in XXXX nor in XXXX. I told the chase customer service representatives that this was not how I understood. The advertising statement only explicitly states that only XXXX PQP could be earned within a calendar year but it did not explicitly state that the {$12000.00} expenditure must occur within a calendar year. Based on what Chase representatives explained to me, the credit card promotion is misleading at least and deceitful at best. For instance, if you opened the credit card in the late part of a year and you could only spend {$11000.00} by XX/XX/XXXX, you would earn XXXX PQP. This approach is not fair to consumers because they would not fully receive the benefit that the credit card was supposed to offer. If I had known this in advance, I would not have opened the account in the late part of XXXX. After I repeatedly explained my understanding of their promotion statement to Chase and XXXX XXXX, I was told that there was nothing that they could do. The supervisor of the Chase customer services hung up on me in the middle of our discussions yesterday. What I want Chase to do is to give me the XXXX PQP that I have earned from spending more than {$8000.00} in XXXX, and more than {$4000.00} in XXXX. The deception and treatment from Chase is not acceptable.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Date Updated XX/XX/2022 High Balance {$630.00} Original Creditor XXXX XXXX  Past Due {$630.00} Pay Status >Collection in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 Acct # XXXX, XXXX XXXX, Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX  XXXX, acct # XXXX, XXXX, acct # XXXX, XXXX XXXX Acct # XXXX, I XXXX XXXX Acct # XXXX. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I placed an order through XXXX at XXXX for 2 2 for {$25.00} entrees and 2 desserts. The 2 for {$25.00} include 1 appetizers and 2 entrees each. The first 2 for {$25.00} was an appetizer of mozzarella sticks and 2 entrees ( one broccoli chicken Alfredo and the second was four cheese Mac and cheese with pepper honey chicken tenders ). The second 2 for {$25.00} was a mozzarella stick appetizer and two chicken tender entrees. The desserts were blue ribbon Brownie and cinnabon mini swirls. I received a text that the XXXX had delivered the food at XXXXXXXX XXXX  with a picture of one bag. Image is also attached of message. Upon opening the bag we had only received one entree which was the broccoli chicken Alfredo. I then called the XXXX  in which I asked if there was by chance any other bags but XXXX was extremely unhelpful and would not communicate regard the delivery. I then contacted the XXXX help chat in which they credited my XXXX account {$22.00}. I then contacted them help chat again noting that I only received one entree and was missing 3 entree, 2 appetizers and 2 desserts. They informed they that would send it up for investigation but I did not receive a response in the 2 hour time frame they informed me off. The next day I contacted the XXXX customer service line and spoke to an agent. The agent told me basically the same thing as the help chat that he would escalate the matter for investigation and that I would again have a response in 2 hours. I waited almost three and had no email, which was the form of contact he stated they would be using. I waited for the charge to be posted to my checking account and then call to bank to dispute the charge. They credited my account for {$100.00}. Today XX/XX/2023 I received the paper from my back which stated there was no error of the charge and that the would be reversing the credit as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXWestlake ordered a credit report hard inquiry WITHOUT my signed authorization! Per F.C.R.A., either have them provide a signed authorized application document with my ( XXXX XXXX ) signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.