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

I am writing as a follow-up to my previous correspondence disputing inaccuracies in my credit report, specifically regarding accounts erroneously marked as included in bankruptcy and accounts reflecting incorrect late payment histories. To date, I have not received a substantive response addressing my concerns, nor have the requested corrections been made. The continued misrepresentation of these accounts constitutes a failure to uphold the investigatory and reporting standards mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Failure to Adhere to FCRA Standards I am compelled to question the thoroughness and integrity of the verification process conducted in response to my dispute. In accordance with 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), credit bureaus are legally required to conduct a reasonable reinvestigation of disputed information. Given that these inaccuracies persist despite my dispute, I request clarification on the following points : 1.Verification Procedures : What specific steps were undertaken to verify the accuracy of the information provided by the furnishers? Did the furnishers supply documented evidence substantiating their reporting? 2.Compliance with FCRA Requirements : The FCRA mandates that consumer reporting agencies ensure maximum Hide full complaint possible accuracy in credit files. Why has demonstrably false information remained on my report? 3.Deficiency in Investigation : The failure to rectify these errors suggests an overreliance on creditor-furnished data without independent verification. How does your bureau ensure compliance with the investigative obligations set forth under XXXX XXXX XXXX XXXX ( 1997 ) and similar case law? Immediate Corrective Actions Required To resolve these discrepancies and restore the integrity of my credit file, I demand the following actions : XXXX - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not provided results for disputes I have requested to investigate. I have provided all requested information they need to initiate results. They have sent me 4 letters now denying my disputes.
Product: Credit card or prepaid card

Hello, I have a credit card from Bank of America with a {$17000.00} limit and a XXXX  balance. I have had this card for 23 years. Even though I received an offer in the mail, I called in to do a balance transfer on Friday, XX/XX/18. The account representative asked for some updated information, but me on hold for 15 minutes. When he came back on the phone he cancelled my card and reduced my limit on my other Bank of America card. I asked talk to a supervisor, but the representative stated that person was not available because the office had just closed. I called back on Monday, and the automated system stated that my account was closed. I spoke to a supervisor and let her know that I had XXXX in liquid assets and had paid off {$5000.00} balance on another card which may not be reflected on my credit report. That did not give permission to check my credit, because if I had known, I would have asked more questions before giving permissions. She stated she would not change the decision. They Cancelled my credit card and thousands in credit within one working day. My credit score will be harmed and the only reason give was how much a utilized my credit, but I can't be ( prior to the adverse action ) more than 50 or 60 percent, and I have good credit. I asked to speak to a manager, they said he would call me but never did. 

Finally, I do have school loans, which I have had for some time, but they have never been lower and my income has never been higher. So I do not see why they took this action. 

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

I was shocked to discover inaccurate accounts on my credit report this morning, and I can't understand how they got there. When I checked my report, as I routinely do, I found discrepancies that seemed to appear out of nowhere. I even refreshed my browser, hoping it was a glitch, but the inaccurate accounts remained. This has left me feeling deeply unsettled, and I am requesting a thorough review of the documents Ive provided to ensure this never happens again.
Product: Debt collection

During my trip to Hawaii, someone stole my book bag from my rental car. I have attached a police report to support my claim. I discovered that an account had been opened in my name with a company called XXXX XXXX XXXX XXXX, which uses Monterey Collection Services to manage their collection accounts. I contacted them to inform them that this account was not mine and requested its removal from my credit report. 

The company informed me that they had reached out to me once and that I had set up a payment plan. However, I must have been extremely busy at that time and confused it with something else. It wasn't until I noticed the account on my credit report that I reached out to them and discovered its true nature. I explained that this account was not mine and provided them with the police report as evidence. Unfortunately, they did not remove the account despite my efforts. 

Later on, I found another document that indicated the contract they had in place should have been voided. This document, which I have attached, was signed after they initiated the contract. Despite presenting this evidence to the company, they continued to report the account on my credit file. 

I have tried multiple times to dispute this issue with the credit reporting agency, but they have not removed the account. Furthermore, the company has been unable to provide any evidence of my usage of the account and has not produced any documents that support the cancellation of the contract. 

In summary, my book bag was stolen in Hawaii, and as a result, an unauthorized account was opened in my name. Despite providing a police report and evidence of a voided contract, the company has refused to remove the account from my credit report, and the credit reporting agency has been unresponsive to my disputes.
Product: Mortgage

I received a letter from Wells Fargo indicating that they failed to update my credit report following a 2014 Loan Modification. Im concerned that I may have suffered paying higher interest rates for purchases ie. two cars since then based on this information. Have you seen this happening to other WF customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian.com in regard to the XXXX XXXX XXXX accounts that are on my report and they have been unsuccessful in resolving these errors. They have failed to notate they have completed any of my previous disputed causing me to believe they never completed an investigation on my part. Furthermore, they are reporting false information for 10 months as the term. How did they validate this information is accurate? I wouldn't know because they fail to provide me this information. Finally, they are reporting a past due amount on a charged off account that was written off per my report. This is a violation under the FCRA as well. Included proof of information and disputes and they have failed to do their job. I have never received any of my results from my disputes and they are being negligent on resolving my concerns that are violations under the FCRA by law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$19000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$3400.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1700.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account XXXX XXXX date opoened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX bal. {$170.00}, XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX, XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

There are some suspicious activities that occurred on my chase checking account on XX/XX/XXXX. Including two unauthorized deposits for a total of {$5800.00} and one unauthorized teller withdrawal for {$600.00}. 
On XX/XX/XXXX I noticed these suspicious activities and I contact the customer service immediately telling them I believe this is done by a fraudster and I'm a victim of identity theft. I explained that when I renew my driver 's license in XX/XX/XXXX, it was lost in the mail. After that I keep receiving mail from other banking institution about someone is trying to open accounts under my name. By this evidences, I assume that my driver 's license was been stolen and identity theft is taking advantage of it. After hearing my explanation, the chase bank customer service freezes my account to prevent further damage. 
On XX/XX/XXXX, chase bank returned the unauthorized deposits for a total of {$5800.00} from my account but the unauthorized withdrawal was still within my account. 
On XX/XX/XXXX, I went to the chase XXXX XXXX branch to submit a UCC form for them to investigate this unauthorized transaction in order to reimburse my account. The chase bank representative also helps me to open a new account and transfer the balance to new account which is negative this time. 
On XX/XX/XXXX, I report the identity theft to FTC. 
On XX/XX/XXXX, I report identity theft to the local police department. 
On XX/XX/XXXX, I received the notification from chase bank stated my claim is denied, they refuse to reimburse my account because they believe the transaction was authorized and chase bank customer service representatives say there's no appeal process I can take.
Product: Credit reporting or other personal consumer reports

I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from XXXX & Experian told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.
Product: Debt collection

XXXX XXXX XXXXXXXX Got a called, which seemed to be a scam. They stated that I owed 5/3rd  bank XXXX dollars from XXXX. 

I hung up and called 5/3rd bank and they confirmed that I never owed money to them, I had an account prior to XXXX. 

I called back after speaking to 5/3rd bank and when transferred to the " case manager '' the receptionist wasn't muted and she was making a lot of negative comments. I asked what kind of scam they were running and she said they were sending it off to an attorney and hung up. 

They were predatory and pushing for me to pay over the phone. Insisting my current bank accounts would be frozen if it was not paid by end of business and an attorney im my jurisdiction would be filing suit.
Product: Checking or savings account

BBVA Bank in XXXX, Alabama, is an absolute outrage, and shocking to the conscious. In XXXX, XXXX, someone opened an account in my name and deposited and withdrew {$5000.00}. It was Identity Theft. I am on Social Security and S.S. notified me in XXXX, XXXX that this account was opened in my name I immediately notified BBVA, the FTC, the IRS and the local Sheriff. One year later S.S. notified me that they would begin to deduct {$95.00} a month starting XXXX, XXXX to repay S.S. 
BBVA bank first put me through a worthless, futile year of trying to report this fraud by phone through their lying, incompetent phone reps. Then BBVA put me through a 3 month worthless, futile period of trying to report this issue by confidential email through their lying, incompetent email reps ( I uploaded notarized ID Theft documents, color copy photo documents of my birth certificate, social security card and state photo I.D . with a notarized affidavit of my motor vehicle change of address ). At the end of all these lies, BBVA informs me that I have to submit all documents through regular mail. 

This bank is a total scam bank. First they will send you through their worthless call center. Then they will send you through their worthless confidential email. Then thewill XXXX UP on your actual mailing address and list the WRONG MAILING ADDRESS. I received a scam email from them from their confidential email system which they stated my actual physical address, but I do not receive mail at this address. I RECEIVE MAIL At MY P.O. BOX AND I HAVE TOLD THIS TO THEM OVER AND OVER AGANI. This bank is a fraud in every way possible!!!!
Product: Credit card or prepaid card

This complain is about Synchrony Bank, on their XXXX XXXX credit card. 
On XX/XX/2018, I planned to submit the application online. However, I was not able to submit the application successfully in first 5 trials due to their website issue. The last time the application went through but it was declined : 1. I never received an email of notification of denial as they stated in the application submission confirmation page 2. I received the denial notice in mail, saying the reason of denial was " high risk source of application. '' I tried to contact the company twice, spoke to at least 5 people within the bank, on hold for total over 1 hour, no one could provide me an answer of what does the high risk source of application mean. Instead, they continue to ask me to call credit bureau, where, however, I was not able to locate any credit bureau number on their notice at all. 
I suspect I was being unfairly denied due to their initial website submission issue ( which caused my credit report to be masked, for example ). However, no one in the company could provide any possible solution and conduct a due diligence review at all.
Product: Credit card or prepaid card

MoneyNetwork, has refused to let me access my account where I had a savings of {$21000.00}. 
From XX/XX/XXXX, to approximately XX/XX/XXXX, I was paid through direct deposit from Money Network. I worked at a XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX and the company was owned by XXXX XXXX XXXX. XXXX  XXXX XXXX. My employer used XXXX and MoneyNetwork to pay my wages. The last paycheck that I have is dated XX/XX/XXXX, in the amount of {$500.00}. I kept my money in the account with MoneyNetwork. 
MoneyNetwork provided me a card that was valid until XX/XX/XXXX. Through out my time with Money Network, I called the customer service line XXXX from time to time to check my balance. 
In approximately XXXX or XX/XX/XXXX, I used my personal cell phone to call MoneyNetworks customer service line. During that time, I used my card and PIN to verify my account. I spoke with a representative to inform them I had a change of address because my card was going to expire in XX/XX/XXXX. The representative told me to call in XX/XX/XXXX because my card was going to expire in XX/XX/XXXX and she told me I could not change my address until 6 months before the expiration date. 
Between XXXX to XX/XX/XXXX, I called MoneyNetwork twice to verify my account balance {$21000.00}. The balance remained the same. 
On XX/XX/XXXX, I spoke with a MoneyNetworks customer service representative to change my address XXXX  to XXXX. The customer service representative told me that because I had not used the card in a long time the account was frozen on XX/XX/XXXX. He told me that the account was sent to XXXX XXXX XXXX XXXX XXXX XXXX. I was never informed that the funds were going to be transferred and I was given no warning that my account was going to be frozen. 
On XX/XX/XXXX, I searched the XXXX XXXX XXXX XXXX XXXX XXXX, but I could not find the balance MoneyNetwork claimed was there. 
On XX/XX/XXXX, I called MoneyNetworks customer service line again to inquire about my money. This time I spoke with a representative named XXXX and she told me that the funds of {$21000.00} were sent to the unclaimed property of the State of California on XX/XX/XXXX. 
On XX/XX/XXXX, I called again to inquire about my funds but this time I spoke with an agent who declined to help me because he requested verification from me. I provided the same phone number I had given to MoneyNetwork the past 5 times, but he declined to help me saying he could not verify my identity. 
On XX/XX/XXXX, I contacted the Unclaimed Property Division of the Office of the State Controller of California. The State of California has no records of my unclaimed property. I have provided a copy documenting their search and their response that they were unable to find this unclaimed property. 
I need help accessing my money from MoneyNetwork.
Product: Mortgage

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from wells Fargo untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Product: Credit reporting or other personal consumer reports

Dear XXXX  Previous compliant # XXXX I am writing to express my utmost outrage and to vehemently dispute the numerous inaccuracies and violations in your reporting of the account XXXX. 
Your actions are in clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Metro II reporting standards. I demand that you take immediate corrective action to rectify these issues and comply with your legal obligations. 
Firstly, the dates reported for this account, including the date opened, last active, and last reported, are inconsistent and inaccurate across different credit bureaus. This is a blatant violation of FCRA Section 623 ( a ) ( 2 ), which requires furnishers to correct and update inaccurate information. Additionally, this violates Metro II reporting standards, which mandate accurate and consistent reporting of account information. Penalties for FCRA violations can reach up to {$1000.00} per violation under Section 616.

Moreover, it is evident that this account has been re-aged to extend its legal termination date. This practice is strictly prohibited under FCRA Section 623 ( a ) ( 5 ), which forbids furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. Re-aging accounts is also a clear violation of Metro II standards, which require accurate reporting of account dates. Penalties for this violation can include statutory damages of up to {$1000.00} per violation, punitive damages, and attorney 's fees under FCRA Sections 616 and 617. 
The presence of multiple violations regarding this account demonstrates your complete disregard for the law and the rights of consumers. Your actions have caused significant harm to my credit profile and have hindered my ability to obtain credit and other financial services. 
I demand that you immediately cease reporting this inaccurate and violative account to the credit bureaus and remove any negative information associated with it from my credit reports. Furthermore, I expect you to conduct a thorough investigation into this matter and provide me with evidence supporting your reporting, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

Please be advised that I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Failure to comply with these demands within 30 days will result in my taking swift legal action against your company, seeking the maximum penalties allowed under the FCRA and any other applicable laws. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 
Your prompt attention to this matter is required. I will not hesitate to pursue all available legal remedies to protect my rights and hold your company accountable for your egregious violations. Your blatant disregard for the law and consumer rights will not be tolerated. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is a alleged debt regarding a prescription medication that insurance company XXXX XXXX XXXX XXXX XXXX allegedly paid for when my membership with them was no longer active. I asked this debt collector if they could inform me of the RX information that XXXX allegedly filled ; and they could not provide such information. Therefore, the debt is invalid, and debt claim is invalid. 

The name of the debt collector is Harris, Klein Associates, INC. 


Thank you.