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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX  XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit card or prepaid card

I opened what I thought was a XXXX 's store only credit card. Wells Fargo instead issued a XXXX 's XXXX XXXX card issued and administered by XXXX XXXX XXXX XXXX. In talking to them they said they gave me an upgrade to the XXXX XXXX card because of my excellent credit history. I never wanted or agreed to this type of card. I wanted and thought I was getting a XXXX 's only credit card, not a card that could be used at 3rd parties. My exgirlfriend unbeknown to me used the card to make electronic 3rd party purchases. She changed the billing to her email account with out my knowledge. I got a letter dated XX/XX/XXXX addressed to my mailing address, after I complained to Wells Fargo, saying they had reviewed my complaint for fraudulent transactions, and based on their research, I owed {$800.00} for purchases made at XXXX 's XXXX XXXX XXXX   location in XXXX XXXX, MO. I paid the amount in full and got confirmation # XXXX. On XX/XX/XXXX I got a letter saying they were issuing me a new XXXX 's XXXX XXXX card, I told they I didn't want it to close my account, at that time I thought this matter was over and done with. I sent them a completed and signed Declaration of Fraud and Forgery. OnXX/XX/XXXX I got another form letter with no documentation saying I now owed {$2300.00} I called and they said they would look in to the matter. On XX/XX/XXXX again with no documentation I got another form letter stating I now owed {$6900.00}. I called Wells Fargo again and they said they would look into the matter and get back to me byXX/XX/XXXX.  Totally frustrated by Wells Fargo I am seeking your help. See attached documentation
Product: Student loan

I am a full class member of the settlement XXXX XXXX  XXXX docket XXXX. As a full class member, I was due to have a full cancellation/deletion of my student loans, refunds on payments made, and the items removed from my credit report by XX/XX/2024. As of XX/XX/2024 none of this has happened and despite concrete evidence that my loan servicer, Mohela, they claim that they have no knowledge of the settlement despite there being over XXXX class members as part of the settlement. The US Department of Education and Mohela are in breach of the settlement terms and it has now been over XXXX since the deadline for relief to be provided to me. I have made countless calls to both the ED and Mohela and have wasted hours if not days of my time at this point waiting on hold just to be transferred from department to department, given incorrect information, and they refuse to remove the loans according to the terms of the settlement.
Product: Debt collection

The caller attempted to collect a debt that was false. Saying it was from a utility company from 2019 ... i have no outstanding utility debt ... Not stating any further information about the debt, but what was owed. They got harassing and threatening and then hung up.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to formally dispute the accuracy of a certain charge off account that appears on my credit report, as allowed under 15 USC 1681E ( J ) of the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681b ( e ) ( 6 ) - Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

My point is that these credit reporting agencies are the ones that are responsible for notifying each other in order to update the reports to ensure accurate reporting across all of them, not me. But I must enforce this otherwise there will be no change. And from the looks of it, this is a violation for non compliance for not following their required procedures under the law and XXXX XXXX. 

Below I have provided the relevant details for your reference : ACCOUNT INFORMATION Creditor Name : XXXX XXXX Account # : XXXX Date of Charge-Off : XX/XX/2024 Reported Balance : {$500.00} **REMOVE THIS ACCOUNT DISCREPANCY DETAILS I dispute the accuracy of the charge-off information related to the account mentioned above. It is not consistent with my records and my understanding of the terms of this account. Furthermore, I have reason to believe that the reported balance and other details are not accurate. 

REQUESTED ACTION In accordance with 15 USC 1681E ( J ) of the FCRA, I formally request that the following actions be taken. 
XXXX a thorough investigation into the accuracy and completeness of the information reported. 
Verify the legitimacy of the charge-off status and reported balance. 
If any inaccuracies are discovered, correct or remove this information from my credit report promptly. 

I am fully aware that the FCRA mandates a XXXX period for the completion of the investigation and the provision of results. Additionally, I request that you provide written confirmation of any updates or corrections made to my credit report as a result of this dispute, as required by law. 

In addition, please remove all non-account holding inquiries over XXXX days old. If there is an open account inquiry, such as XXXX and XXXX XXXX, keep it on my report. 

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 emphasize my commitment to achieving an accurate and just representation of my credit history in line with the provisions of 15 USC 1681E ( J ). I trust that you will act expeditiously to address this matter and uphold the integrity of my credit report.

Thank you for your attention to this notice of dispute. I anticipate a swift resolution and the removal of any inaccuracies on my credit report. 

Thanks.
Product: Credit card or prepaid card

Purchased hotel room from XXXX. XXXX has ceased operations and there is no way to get in contact with them. I sent cancellation email XX/XX/XXXX for hotel room before the cancellation period ended. XXXX intentionally did not respond back to me until a week later when my cancellation period was over. XXXX has no number and does not respond to emails. Citibank requires i show proof of cancellation but XXXX never responded back to my cancellation email before XX/XX/XXXX. XXXX never paid the hotel and the hotel itself does not have my money. XXXX kept my money and decided to cease operations. Citibank closed my dispute and it stating to contact XXXX for a refund. How will I be able to contact a company that has ceased operations and has scammed thousands of people for money. There was no way to cancel the hotel room for XXXX from a website and their phone number no one ever picked up and now their contact information is useless as they have ceased operations. This is fraud. The company is a fraud and citibank is allowing this to happen. I tried cancelling my booking before XX/XX/XXXX and no one ever responded until after the cancellation period ended. XXXX are scam artists and now I need to pay back something for which I never received nor ever used. The hotels have even confirmed never receiving money and cancelling hotel rooms due to Covid19. How can I get a confirmation email if they never offered online cancellation through a website or ever respond back to my email. THIS COMPANY CEASED OPERATIONS. WHAT PART OF THEY CEASED OPERATIONS DO YOU NOT UNDERSTAND CITIBANK. THANKS FOR THROWING A CUSTOMER OUT THE WINDOW AND ALLOWING ANOTHER COMPANY TO COMPLETELY SCAM ME AND SO MANY OTHER PEOPLE.
Product: Credit reporting or other personal consumer reports

To whom this may concern. I recently disputed an error on my credit report it. There was a missed payment reporting on my credit report from discover back in XXXX of XXXX. I contacted XXXX notifying them about the problem they werent aware and told me that all of my payments were up to date. I was not notified about any changes on my report about the miss payment. Under 15 U.S. Code 1666b Timing of payment. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) I wasnt mailed a letter 21 days before my payment date nor was I notified. All of my payments are on autopay so it takes the money out of my account. I contacted XXXX and Equifax about the problem they said that they will take care of it but never did I even sent proof that it was paid. I would like for this error to get fixed asap please and thank you The Account is XXXX  XXXX
Product: Mortgage

XXXX XXXX, I contacted the Ocwen Consumer Ombudsman Department regarding the date of last payment for XXXX accounts XXXX and XXXX and requested full statements for these accounts. Ocwen sent me the requested information which reflected a last payment in XXXX, XXXX. I immediately forwarded these documents to the XXXX major CRA 's for deletion due to the 7 year statue of limitations ( XXXX, XXXX and XXXX ). The credit reporting agencies could not accept these due to these documents passed through a 3rd party ( me ) and the possibility of omission or alteration, which I can understand. I contacted Ocwen and made a request that they send the paper statements directly to XXXX, XXXX and XXXX ( under the advice of the CRA 's ). Ocwen stated that they communicate with the CRA 's only electronically. I stated to Ocwen that what they report electronically and the paper statements are different. Ocwen responded that they refuse to send paper statements to the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I went into XXXXXXXX XXXX in the area i am located and i tried to open up a business bank account and credit card at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB i told him i was aware that my information had leaked and i was a victim of the Equifax XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the Equifax data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?
Product: Debt collection

Ive asked numerous times to not call me, then I asked to not call me on a XXXX. They call me everyday. 2-3xs daily XXXX  XXXX. Harassment is a understatement. Capital One
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING FRAUDULENT INFORMATION TO EQUIFAX, XXXX, AND XXXX AND ALSO STORING FRAUDULENT DATA IN THEIR SYSTEM UNDER MY PERSONAL INFORMATION. DEMANDING THE SHARING OF ANY INFORMATION UNDER SECTION 15 USC 1692CC. THE XXXX XXXX  INFORMATION BEING SHARED IS FRAUD.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT ITS HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, 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. 

These following names, accounts & addresses are incorrect and are violations to my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that 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. Section ( a ) ( 5 ) : States that 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 ) States that 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Product: Debt collection

I am writing to formally dispute an erroneous entry on my credit report, which has been reported by Credit Collection. According to my credit report, there is an outstanding debt of {$86.00} associated with my name. I would like to bring to your attention that I have never had any business dealings with Credit Collection, and this account does not belong to me. This incorrect reporting has negatively impacted my credit score and is a direct violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to rectify this situation in accordance with the FCRA guidelines.

I hereby demand the following actions be taken within three ( 3 ) business days from the date of this letter : I request that the erroneous account be removed from my credit report promptly. Please notify all credit reporting agencies to delete this inaccurate information. Provide legal proof that I have entered into a business relationship with Credit Collection. This may include contracts, signed agreements, or any other relevant documentation substantiating the validity of this alleged debt. 

Failure to comply with this request within the stipulated time frame will leave me with no option but to escalate this matter. I am fully prepared to take legal action in my local small claims court to seek damages for the harm caused to my creditworthiness and any associated costs incurred due to this error. I have also kept a record of all correspondence related to this matter, including this letter. Please consider this letter as a formal notice under the FCRA, and provide me with written confirmation once the erroneous entry has been removed from my credit report. 

I kindly request that you treat this matter with the utmost urgency and provide me with a timely resolution. I have attached my police report to this letter, I am demanding that you remove this account from my credit report as soon as possible.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct/deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXX  The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.
Product: Credit card or prepaid card

Wells Fargo has charged me {$88.00} for " INTEREST CHARGE ON PURCHASES '' on my credit card balance that has a promotional balance transfer APR of 0 % until XX/XX/2023. However, I never made any purchases with this credit card. So why is Wells Fargo charging me purchase interest when I never made any purchases since the opening of this credit card? 

This is unnecessary fee interest and I was wrongly charged for it as I do have a promotional balance APR of 0 % until XX/XX/2023. 

The latest statement has been attached to this case for reference and evidence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - Im requesting to have this closed account removed from my credit report According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of   XXXX   XXXX   XXXX  . I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against Experian and the creditor because it 's an error and it 's a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the the pandemic, i wasnt able to work because i contracted COVID. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score
Product: Credit reporting or other personal consumer reports

Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. XXXX  correction is imperative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reache dout to experian and the reporting companies and they are baiscally saying that thats the information they are getting from a 3rd party, please remove this information since it is reporting information that is not accurate.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the below mentioned account : XXXX XXXX XXXX XXXX XXXX XXXX