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

I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX  XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time. 
2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that TransUnion immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHTS TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

Despite the recent XXXX basis points rate cut from the Federal Reserve, Chase Bank NA continues to maintain a usury, rent-seeking annulized interest rate ( APR ) for purchases ( as of XX/XX/year> ) of 22.99 % and a cash advance APR of 29.74 % ( as of XX/XX/year> ) on past and future balances on my business credit card ( XXXX XXXX XXXXXXXX XXXX Business, XXXX XXXX XXXXXXXX ending XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted letter to Experian asking for the removal of 1.I did not authorize this inquiry XXXX XXXX XXXX XXXX of inquiry : XX/XX/2022. 

Sent letter on XX/XX/2022
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information on Credit Reports Dear CFPB, I am writing to formally address the issue of inaccurate information reported on my credit reports by Experian, XXXX, and XXXX. These inaccuracies have caused significant harm to my financial standing and overall well-being. 

Despite my repeated requests to have erroneous data removed following the XXXX data breach, the inaccuracies persist. As a confirmed victim of this breach, my personal information was illegally accessed, sold, and used fraudulently. As a result, the following unauthorized accounts were added to my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have severely impacted my credit score, caused financial distress, and led to emotional distress. Despite XXXX admission of the breach and my submission of supporting documentation, no effective measures have been taken to rectify this situation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair credit reporting. The continued presence of these fraudulent accounts on my credit reports is a violation of my rights under this Act.

I am seeking financial compensation for the following damages : 1. Emotional distress caused by the data breach and its aftermath.

2. Financial losses resulting from higher interest rates, denied credit applications, and other credit-related hardships.

3. Any legal fees incurred during my attempts to resolve this matter.

In addition to the requested financial settlement, I am demanding the immediate deletion of the unauthorized accounts listed above from my credit reports.

I expect a response to this letter within 30 days from the date above. If this issue is not addressed promptly, I will have no choice but to pursue further legal action to protect my rights. 

Enclosed, you will find documentation that proves my status as a victim of the XXXX data breach and the subsequent inaccuracies on my credit reports. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX : XXXX. Documentation of XXXX data breach victim status XXXX. Evidence of inaccuracies on credit reports XXXX. Correspondence records with XXXX, Experian, and XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am writing to file a formal complaint against XXXX XXXX, a former loan officer at PNC Bank, detailing a series of concerning and unethical incidents during my mortgage application process. 

Below is a chronological account of the issues encountered : XXXX. Inconsistent Information : XXXX initially assured a 15 % down payment, but the loan documents consistently reflected 20 %, along with unwanted points. XXXX acknowledged the errors but assured corrections and removal of the points in the final closing disclosure. XXXX never removed the points before she quit ( details below ) and we had {$6600.00} points amount that she said should not be there. 
XXXX. Missed Closing Date : Three days before the scheduled closing on XX/XX/XXXX, I was informed by my realtor that documents were incomplete at the title company. XXXX cited uncertainty and suggested a notary signing on XX/XX/XXXX, as we were away from XXXX XXXX. 
XXXX. Power of Attorney ( POA ) and Legal Delays : In an attempt to salvage the situation, a POA was arranged for signing while abroad. XXXX indicated the CD couldn't proceed until PNC 's legal team reviewed the XXXX documents. The delay heightened tensions with the seller and she never heard back from legal. 
XXXX. Penalty Agreement : Facing a potential loss of the property, XXXX negotiated a penalty fee of $ XXXX, starting XX/XX/XXXX. It was agreed that PNC would cover this fee, relieving us from losing the house. Total fee ended up being {$6000.00} that they never reimbursed. 
XXXX. Post-Trip Closing Delays : Upon return on XX/XX/XXXX, assurances were made for a XX/XX/XXXX closing. However, on XX/XX/XXXX, XXXX claimed ongoing work on our interest rate and the need for additional clearance, causing further delays. 
XXXX. Incorrect Closing Disclosure : When the initial CD was received on XX/XX/XXXX, it reflected the correct 15 %, but the points fee persisted and the penalty fee was present without resolution to our reimbursement as previously promised. Requests for corrections and addressing the penalty fee were not resolved. 
XXXX. XXXX XXXX 's Departure : On XX/XX/XXXX, XXXX quit the bank due to alleged mistreatment of customers, pledging to reimburse the penalty fee personally. However, subsequent attempts to contact her were met with silence and she blocked my number. 
XXXX. Managerial Inaction : XXXX XXXX, XXXXXXXX XXXX  manager, was contacted but proved unhelpful, as he was away during the critical period, leaving issues unresolved. 
XXXX. PNC reached out for information - I gave them evidence in the form of emails and text messages showing the empty promises XXXX made - they performed their own internal investigation and said PNC does not have a policy to pay a penalty fee. 
This experience raises serious concerns about the professionalism of both XXXX XXXX and PNC Bank. I kindly request that this complaint is thoroughly investigated, and appropriate actions are taken to rectify the situation.
Product: Mortgage

This is a continuation of previous complaint XXXX XXXX XXXX responded to my inquiry regarding my disagreement with the recovery modification monthly payments PNC is offering. I asked the following additional questions as it relates to the next course of action once the research is completed. As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered? 

Simple questions could be answered via secure email per XXXX XXXX advice in her correspondence to me to further discuss information regarding my account over the phone. I advised XXXX XXXX previously ; I prefer via email for a paper trail. The only issues that are being addressed are my concerns that were outlined to the CFPB. This gave me the impression she is not entitled to answer any more of my questions unless it is over the phone or not required at all, but is supposed to advocate on my behalf. Secured email communications have been implemented before when addressing any concerns or in communication with any PNC staff member, I am not sure why a secured message was not initiated when I started asking questions or why my questions could not be answered as I do not have access to an online mortgage account with PNC to send secured correspondences. Im sending another correspondence for the following questions to be answered : As the due date approaches XX/XX/2023, for the loan modification paperwork to be turned in to PNC, will the foreclosure proceedings move forward even though I do not agree with the terms of the modification offered with pending research? 

All I need is an immediate response as to what I need to do in the meantime while PNC is conducting its research to my initial questions with an approaching deadline to have the documents received by XX/XX/2023, and whether PNC move forward with foreclosure while my account is being researched? 

As stated in the approved loan modification correspondence The next steps is to permanently modify your loan to more affordable mortgage payments or more manageable terms. The terms of this permanent loan modification are attached. It is important that you read this information thoroughly so that you can decide whether you would like to accept this permanent loan modification offer. 

The loan modification is not affordable
Product: Checking or savings account

I opened a checking account with Chase Bank in XXXX XXXX XXXX Shortly after opening the account I received a check for {$4000.00} from a co-worker named XXXX who had borrowed funds from me the previous year to use for their down payment on their car. My co-worker asked if he could just sign his check over to me to use as repayment and I called XXXX and asked a banker at their customer service center if that was possible and if so how to do it. The customer service agent gave me instructions on what XXXX would need to write on the check in order for me to be allowed to deposit it into my account without any issue. XXXX and I followed the instructions XXXX gave us and I deposited the check into my account. The check was put on an extended hold and while it was on hold the check was paid by the paying bank without issue and the hold expired - however, right before the hold expired XXXX put a restriction on my account and then promptly closed the account and said that they now needed to speak with XXXX in order to verify the check and release the funds that were in my account back to me. I gave Chase Bank XXXX 's phone number and Chase Bank responded by telling me that their system could not verify that phone number so they couldn't call XXXX on it. We work manual labor and XXXX 's phone at the time was paid by his mother and in her name. XXXX left the company in late XXXX and I haven't spoken to him since. It is now XXXX and XXXX has had these funds for over 10 months without resolution. The check has not been disputed or charged back and the paying bank reported no issues with it. Chase Bank has essentially decided that the only way they will release these funds is if XXXX goes and puts a cell phone in his name that Chase Bank 's system is able to verify at which point they will call him and then the check can be released. I believe this is completely unreasonable and since XXXX left our worksite I haven't spoken to him so I'm not even positive I'd be able to track him down let alone convince him that he now must open up a cell phone account simply for the purpose of satisfying Chase Bank 's arbitrary account flagging. I do not remember the account number so I will provide my social security XXXX and my date of birth is XXXX.
Product: Checking or savings account

I responded to the CFPB after your reply to my original complaint that First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX  XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. I have also sent them copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. FISERV has been lying to XXXX XXXX XXXX, to me, and to you and refusing to stop the charges, even though they claim that they are not charging anything. They dont respond to emails and they dont answer phone calls. How do I get these illegal charges stopped?
Product: Debt collection

according to law 15. U.S.6802.Law FRCA Section 605B its is illegal to report information on my credit report without my permission, thank you please remove this from my credit report now., this debt do not belong to me, I Live in XXXX  XXXX XXXX Florida , I never been to a hospital, This debt is costing me hardship and leading me and my family to being homeless, I will like to see photo copy of Identification or driver license and signatures of the medical bill contract with my signature on it.under the Fair credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And one more thing according to 15 USC 1681s-2 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 agency shall ( 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. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I have been contacted by a company that goes by the name of Premier Recovery Group. They are stating that I owe money to an online loan company that wired money into my account in XXXX of XXXX. I told them that I 've only taken out a loan from an online company once and it was in XXXX and I paid the company back in full. I told them that I would look through my bank statements. I went through my bank statements and only had deposits from the company that I worked for. I called the company back to verify the bank account and then told them that there was never a wire into my account. They said that money was wired to my account and asked how i wanted to settle. I told them that there is nothing to settle other than the fact that I never received a loan at that time and that I was happy to send them my statements. The person gave me a fax number that was disconnected. I called back to ask why I received a disconnected number and to ask for their agencies license number. The person told me I was given the wrong fax number and that he did n't have the license number and was n't where aware there was one. I asked him to transfer to someone that could give me that information. The person over operations said she was not able to give that information and that it was private. I told her that is all I needed to know. I checked the second fax number it is also disconnected. This company is a fraud.
Product: Debt collection

I was not notified that there was a debt owed to the company and before they notified me so we could resolve the issue, they pulled my credit without my permission thereby damaging my credit score as reported by the credit bureaus according to my credit monitoring service. I have asked them to remove record of the credit pull or change the credit pull to a soft pull so that it will not adversely affect my credit score but have refused to take action. 

I contacted the company 's representative on XX/XX/2019 to withdraw the credit pull or at least change it to a soft pull but they refused even though we came to a settlement agreement. 

I also notified the company of the dispute via mail on XX/XX/2019 that I have attached to this dispute.
Product: Debt collection

I am a victim of identity theft. I filed a complaint with the XXXX XXXX XXXX. Wells Fargo responded to my complaint saying the validation of the account was included in the response and it was not. Wells Fargo continues to re age the account and recently instead of removing the account they updated my current address on the account without my authorization. Please remove this account with Wells Fargo from my credit report. 

Attached is my police report, Drivers license, social security card, and utility bill.
Product: Credit reporting or other personal consumer reports

EQUIFAX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EQUIFAX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where EQUIFAX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against EQUIFAX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where EQUIFAX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as EQUIFAX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

My Ex-wife, XXXX XXXX XXXX ( XXXX XXXX ) took out a student loan in XXXX to attend college during our marriage. I co-signed for that loan with Wells Fargo XXXX XXXX XXXX. In XXXX we divorced, and as part of that divorce decree she was to assume 100 % of her student debt. She has no paid the debt and let it lapse. Wells Fargo continued to harrass me for years even after I told them I am no longer legally obligated. The debt has since been charged off and the credit bureaus cant remove it. I have asked Wells Fargo to take my name off of it but they refuse to.