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

I am notifying you that I sent a certified letter on XX/XX/year> to your dispute center, addressing inaccurate and unverifiable information on my credit report. Despite my request, you have failed to provide verifiable proof or documentation for the following accounts : XXXX XXXX XXXX  ( Account Number : XXXX ) Unverified account, no obligation to this collection agency. 
XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) Alleged debt with no proof provided, violating 15 U.S.C . 1681. 
XXXX XXXX ( Account Number : XXXX ) Unverified account reported only by TransUnion XXXX previously disputed but not removed. 
XXXX XXXX ( Account Number : XXXX ) Unverified account with inconsistent information, including the date last active. 
You have not complied with the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( 5 ) and 1681i ( 7 ), by failing to delete unverifiable information or provide a valid method of verification. This is my final communication regarding your claim that these accounts have been verified as accurate. 
I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.
Product: Credit card or prepaid card

On XX/XX/XXXX I received notice that Synchrony Bank closed my visa card on XX/XX/XXXX without notice to me. The reason stated in the letter is that review of my account is indicative of high risk failure to pay. Even though I never missed a payment with them and paid down nearly $ XXXX over a 10 month period on an account with them that is on a 24 month promotion until XX/XX/2022. The only thing my credit history is indicative of is not paying fees as I use my credit wisely. Synchrony Bank should not get to impact my credit history with their nonsense. Nor should they get to close my account without notice and risk embarrassing if I had been declined in person. My credit score is over XXXX no thanks to them! 
Additionally when I asked the manager what entity outside of them federal or otherwise I could make a complaint about them to she said she didn't know. I argued with her that she should know being av financial institution. Being in a different regulated industry of a customer asks an employee that question they know exactly what state agency to direct them to.
Product: Mortgage

Last year my Wells Fargo XXXX trust deed interest only loan term ended. The loan would need to be repaid with full principal and interest payments for the remaining 20 years. 
I called several times and inquired about options and to inquire as to my new payment. I spoke with different people every time and was given several different answers, I stopped calling. 
The loan payment changed and I have continued to successfully make the payment for most of last year. 
I was called recently by Wells as asked if I received a letter from Wells and about another change in loan term. I have not received any letter and I continue to receive my loan payment monthly. I was told my monthly payment was going to increase again. 
It is unfair and just plain wrong the lender can continue to change the terms of my loan as they please. Without regard, I fear the lender will be contacting me in the future again with another increase in payment.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, XXXX I am writing to request the immediate unsuppression of my TransUnion credit report. I recently discovered that my credit report has been suppressed, which is affecting my ability to access important financial services. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate information. I believe that my report has been suppressed in error, and I request that you remove this suppression immediately. 

Please find attached copies of my identification, proof of address, and any other relevant documents to support my request. I also request that you notify me in writing once the suppression has been removed. 

Thank you for your prompt attention to this matter.
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. 


Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX  XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting this company on my credit report as a collections account : US DEPT OF EDUCATION XXXX # : XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2010 Balance {$700.00} I filed a dispute in transunion because this company does not own the loan, this loan was transferred to another lender. 

Transunion replied that I account was verified as mine they never read my dispute.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : DEPTEDXXXX  : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : DEPTEDXXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

Bank of America removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with BoA, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from BoA. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. BoA did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my BoA account open because it's my longest standing credit card. I believe BoA is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like BoA, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that BoA shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.
Product: Credit card

I am disputing the collection account with AFFIRM INC, account number XXXX dated XX/XX/year>, with a balance of {$510.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AFFIRM INC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a bunch of hard inquiries in my report in XXXX and XXXX which are not mine. 

We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX/XXXX Inquiry DateXXXX/XXXX NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX/XXXX  Inquiry DateXXXX/XXXX  NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX  XXXX CityXXXX XXXX  StateSD ZipXXXX  We found a new credit inquiry on your XXXX  credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX/XXXX  Inquiry DateXXXX/XXXX  NameXXXX  XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX  XXXX StateIA ZipXXXX  SourcXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXX XXXX XXXX PhoneBY MAIL Business TypeBC Street AddressXXXX XXXX XXXX CityXXXX  StateNJ ZipXXXX SourceXXXX Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameXXXX  XXXX XXXX. 
Phone ( XXXX ) XXXX Business TypeFA Street Address XXXX XXXX XXXX CityXXXX StateAZ ZipXXXX SourceXXXX Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddressXXXX XXXX XXXX  CityXXXX XXXX StateDE ZipXXXX SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXXXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX XXXX StateUT ZipXXXX  Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeFA Street AddressXXXX XXXX XXXX XXXX  XXXX CityXXXX StateGA ZipXXXX SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX  XXXX StateTX ZipXXXX SourceXXXX  Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameXXXX XXXX  XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXXXXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX  Alert DateXXXX/2022 Inquiry DateXXXX/2022 NameCXXXX XXXX XXXX PhoneBYMAILONLY Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXX StateSD ZipXXXX SourceXXXX Alert DateXXXX2022 Inquiry DateXXXX/2022 NameXXXX XXXXXXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXXXX XXXXXXXX StateIA ZipXXXX SourceXXXX Alert DateXXXX/2022 Inquiry Date0XXXX/2022 NameXXXX Phone ( XXXX ) XXXX Business XXXXypeBB Street AddressXXXX XXXX XXXX CityXXXX XXXX StateTX ZipXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payments reporting on my Experian credit report, which have also been inaccurately reflected across all three major credit bureaus ( Experian, XXXX, and XXXX ). I have always made my payments in a timely manner, and these reported late payments are incorrect, violating my rights under federal consumer law. The following account is in direct violation of my rights : Account number ( XXXXXXXX XXXX  ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, consumer reporting agencies are required to ensure that all information on my consumer report is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as lenders and creditors ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. If the creditor has misreported my payment history, they are in violation of this statute and must correct the error immediately. 

I have already attempted to resolve this issue with the credit bureaus and the data furnisher, but they have failed to correct the inaccurate information. Because this false reporting negatively impacts my creditworthiness and financial opportunities, I am requesting the CFPB to investigate this matter promptly. 

To resolve this issue, I demand : 1. An immediate investigation into the inaccurate reporting of late payments on my consumer report. 
2. Removal or correction of the inaccurate late payments across all three credit bureaus. 
3. Confirmation in writing that the inaccurate information has been corrected or removed. 

I have attached copies of my credit reports, payment records, and previous dispute attempts for your review. Please let me know if any further information is needed to facilitate the investigation. I trust that the CFPB will take appropriate action to enforce my rights under the FCRA and ensure that the credit reporting agencies and furnishers comply with federal law. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Debt collection

As Shown in the paperwork, I paid for a XXXX shipment. Now, Transworld Systems Inc ( tsi ) is trying to collect for the same charge. 

tsi Reference File Number XXXX
Product: Credit reporting or other personal consumer reports

I have inaccurate inquiries and information reported on my Credit Report and I have not received any goods or services from any of these transaction. This goes against my rights as a federally protected consumer per the Privacy Act of 1974, 15 USC 1681, UCCC 1974,15 USC 6802, and 12 CFR 1026. I am entitled to the damages sustained by the consumer reporting agencies of {$1000.00} according to 15 USC 1681n Civil Liabilities. 

Enclosed are the following consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed I have attached an FTC report, Affidavit of Signature, passport, current lease for identity verification, and Experian Personal & Confidential page.
Product: Debt collection

Information placed on credit bureau for {$130.00} on XX/XX/2018. Did not receive notice verbally or written.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2019 with a balance of {$3500.00}. THIS IS A FRAUDULENT ACCOUNT THAT I NEVER OPENED!!! 
XXXX/XXXX- Opened XX/XX/2019 with a balance of {$11000.00}. THIS IS A FRAUDULENT ACCOUNT!! Both these accounts were opened during XXXX time.
Product: Checking or savings account

I was at the atm when it said there was an error with the money I inserted and it kept it for security. Ive called a couple of times since then and everyone has given a different answer and non of them have been accurate/correct. I just want my money back and its insane that nobody can seem to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just signed up for the XXXX XXXX XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last 3-5 years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( three weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or two later, around XXXX, that my credit score took a XXXXpoint hit because XXXX XXXX felt the need to report my high Balance on XX/XX/XXXX to the credit bureau 4 weeks before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my credit score is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.
Product: Checking or savings account

I am writing to express my dissatisfaction with the pass overdraft fee charged on my account. I have been a loyal customer of Wells Fargo for 2 years and I am extremely disappointed with the way this situation has been handled. 

through the years and during COVID when charge went under due too the fact that I couldn't work I had payed hundreds of dollars to wells Fargo for over draft I was charged an overdraft fee multiply time for a transaction that I do not recall authorizing. Upon further investigation, I found that the charge was due to reason for overdraft, XXXX. a mistake in my account balance tracking. 

I am frustrated that Wells Fargo did not provide any prior warning or notification about the overdraft before it occurred, despite the fact that I have signed up for overdraft protection services. Furthermore, the fee seems excessive and disproportionate to the mistake made. 

It got to the point were I had to closed my account Thank you for your time and consideration. 

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

Equifax was grossly negligent in the security of consumer data that they collect without consumer 's consent. It is on them to ensure the security of that data. Unfortunately they do not properly ensure the security of the data and instead are able to profit by providing services to monitor for identity theft.
Product: Debt collection

Received a notice that the company purchased the account and turned it over for collection. The letter states that the the last payment was made on XX/XX/2006. There is no judgment against me for this. The statute of limitations has run out. They have had 13 years to contact me and this letter does not seem legitimate. I do not recognize the original creditor. Contacted them requesting original documentation, but the verification process required me to provide them with information they do not have. The verification process was odd. I called them with an attorney present and they kept putting us on hold to speak privately. They refused to send the documentation unless I provided them with an email address and my current phone number. I believe by contacting me at this time the new company is attempting to " re-age '' the original loan.