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

I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and METRO 2 COMPLIANCE STANDARDS. 
It is illegal to retain or report misleading or unsubstantiated information. Therefore, I demand the deletion of the following illegally reported allegations :
Product: Debt collection

The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Experian has refused to investigate the inaccurate negative mortgage account from XXXX XXXX XXXX opened on XX/XX/2006. This account was charged off to the IRS and is still showing a fraudulent negative balance for the full loan amount. This account is also 7 years old and should be removed from my credit report. Experian has refused to acknowledge these facts and refuses to investigate that this account is 7 years old and will not remove this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you under the provisions of the California Consumer Privacy Act ( CCPA ) and the Fair Credit Reporting Act ( FCRA ), concerning a serious matter of incorrect information present in my credit report ( Reference : XXXX ). 

Despite my previous attempts to rectify this issue, Equifax has failed to remove the false information from my credit report. This is in direct violation of my rights as a consumer under both the CCPA and the FCRA. 

The specific issue pertains to an unauthorized inquiry by XXXX XXXX XXXX. I have attached substantial proof from XXXX XXXX 's fraud department, indicating their repeated requests to all three credit bureaus for the removal of the said inquiry. Despite these efforts, the false information remains on my credit report. 

I would like to bring to your attention that upon reporting the same issue, XXXX ( XXXX XXXX : XXXX, dated XX/XX/2024 ) and XXXX have already removed the false inquiry from my credit report. However, Equifax has not taken any action in this regard. 

This failure to correct the information not only contravenes the FCRA and the CCPA but also adversely affects my credit standing. I have exercised my rights under these laws without success, and I am left with no choice but to consider legal recourse. 

I hereby request the CCPA to intervene in this matter and ensure the immediate removal of this false information from my credit report. Failure to do so will leave me with no option but to seek legal remedies, including but not limited to filing a lawsuit seeking statutory, actual, and punitive damages, as well as legal fees. 

I trust that the CCPA will take this matter seriously and act promptly to rectify this situation. I look forward to your prompt response and resolution of this matter.
Product: Checking or savings account

After moving my full direct deposits to Ally bank, unfortunately, my card was damaged and became unusable. I called the bank for a replacement card and was transferred and hung up on. 
I called back and spoke to a manager named XXXX that informed me he was the highest authority in the company to speak to, that I could not escalate my concerns, and he would not order a replacement card until I brought my balance current. I explained my direct deposit history is on file and he can see I'd be current Friday and didn't understand why I would be punitively punished like this and have to call a week later to order a card, and the bank would/could not show me where this was allowable in the account agreement either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I noticed a XXXX XXXX account on my credit reports, negatively affecting my score. I have never had a credit card with this bank, and it was eventually removed. about two months ago ANOTHER fraud account from XXXX XXXX XXXX appeared. I never authorized an account with this bank, they dont speak english they harass me every day 20 calls a day. I also had a fraud alert which they ignored and opened another fraud account. I never spoke with this bank and allowed them permission to access my account, and there is another inquiry from a few days ago. I have sent fraud papework and never hear back from them, when you call there is nobody who can understand you and all they say is pay bill. I am tired of this company doing whatever they want
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - Experian, XXXX   and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and Experian is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from Experian but have not heard from XXXX and XXXX.
Product: Checking or savings account

On Friday XX/XX/2022 I received an alert that my Citibank account had fraudulent charges. I immediately called Citibank and found out that there were XXXX transactions that were blocked, as well as a {$50000.00} wire transfer that I never authorized. I asked Citibank how to handle this fraud case, I followed their instructions and placed a block on my account to prevent any further transactions. I called many times that night to make sure my account was safe. I tried following up with them over the weekend but the fraud department was closed. I called the wire fraud department first thing on Monday XX/XX/2022. I was told that early that morning ( XX/XX/XXXX ) my account block was lifted and another wire transfer of {$50000.00} was taken from my account. Again, I went through the whole process of blocking my account. I also asked Citibank why a wire transfer was sent out again after I clearly reported wire fraud for the same amount one business-day earlier, to which they had no answer. They advised me to place a block on my account again. But they could not guarantee that the nefarious actor wouldnt be able to call in again, lift the block, and wire transfer again. There was no security option in place to protect my account at this point AT ALL. I decided to go to Citibank, request a cashiers check for my full remaining balance and I opened an account with a safer bank. 
After reporting both wire fraud instances to Citibank, I also filled out an affidavit of unauthorized wire transfer that Citibank requested for both fraud instances and emailed them to XXXX After that I spent the next week calling asking for status, I was told that at most the investigation could take 90 days. 
Once 90 days passed without receiving any information from Citibank I start calling into Citibanks Wire Fraud Escalation Department as well as the IRU department often ( every week/two weeks ) and get the same response that my case is pending approval and I should receive a letter in 7-10 days.

It has now been 5 months, or about 150 days since my initial fraud instances I have heard nothing about the status of my case. Citibank keeps telling me I will receive a decision in 7-10 days but I never receive or hear anything from them.
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit union regarding multiple over draft fees I have occurred.Despite having sufficient funds when transaction was authorized.I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent Cpfb findings of Navy Federal for similarl practice, where transactions settled with insufficient balance despite initially available funds.I believe these practices are unfair an request an investigation into my account transactions.
Product: Checking or savings account

On XX/XX/2021 at XXXXXXXX XXXX an unauthorized fraudulent wire transfer was made from my checking account by a person unknown to me. I went immediately to my nearest Chase Bank branch. At XXXX the XXXX Banker make a request to recall or stop the fraudulent wire transfer. The wire was not stopped or recalled and a thief got {$14000.00} out of my checking account. I have been trying since that day to get resolution but have not received my funds back and it appears that Chase has no intent to refund them.

I did what I was supposed to do. Chase did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive been in contact with federal peace officers pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate/fraudulent inquiries I have listed immediately, the following includes : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX 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 handwritten instructions.
Product: Credit reporting

I am writing to dispute the accounts referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these collection company 's listed above in this letter. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
Product: Money transfer, virtual currency, or money service

Today at XXXX, while returning home from school as a XXXX, I received an email that was addressed from a XXXX XXXX XXXX who wrote content in the mailing, which looked like PayPal letter head, and which said that I had purchased a XXXX  XXXX XXXX XXXX which I did not do ), for some {$950.00} dollars, with a notice at the bottom saying I had XXXX hours to respond before the deduction will be made on my account. The return phone number was : XXXX, inside the letter. The rest read : Hello Customer! 

Hope your day is going well. 

Your account has been charged and the payment has been deducted. 
Your order has been placed successfully. 

If you want any information you can contact us. 

Thank you for shopping with us. 


I did not make this purchase and I do not know this individual, so I am writing to notify you of the scam.
Product: Debt collection

I mailed ERC ( Enhanced Recovery Company LLC ) a letter on XX/XX/XXXX2021 addressing a debt they claim I owe to XXXX XXXX XXXX XXXX in the amount of {$340.00} in response to a letter they sent me on XX/XX/XXXX2021 stating that since I am disputing the validity, my account will be in hold status for now and collections efforts have cease. I still asked them to validate that debt within 30 days. I sent the letter certified, so I am aware they received it on XXXX/XXXX/21. Today is now XX/XX/XXXX, and I have not gotten a reply back.
Product: Credit reporting or other personal consumer reports

In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with Experian. Experian has validated the following accounts on my consumer report as accurate, Experian has failing to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all 3 credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows XXXX XXXX XXXX XXXX XXXX  [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXXXXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXX XXXX  [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXXXXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] National Credit Adjust : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across XXXX reporting agencies ] XXXX XXXX XXXX XXXXXXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 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.
Product: Credit card or prepaid card

I have an active credit card with Chase. I contacted them in XX/XX/2019 to pay off my outstanding balance in full. I paid them exactly what they told me, and was told my balance was at {$0.00}. I have not used the card since. In XX/XX/2019, I was  dumbfounded to see that Chase was reporting a {$13.00} balance, and that it was past due. This is impossible, as I have not used the card since I paid it off in full. I immediately called Chase to inform them of their error. The representative that I spoke to took the {$13.00} charge off of my account, and told me that they would correct my credit report. As of today, the account now reports in good standing again, and the balance correctly reports a {$0.00} balance. However, they kept the XX/XX/XXXXlate payment on my credit report. This false delinquency they reported has dropped my credit score at least 50 points, but they don't seem to care. I have even disputed this XX/XX/XXXXlate with XXXX, XXXX, and XXXX XXXX ; but Chase is telling the credit agencies that my account was late in XX/XX/XXXX, when it actually was not.
Product: Debt collection

I have been paying off this debt since XXXX or XXXX to Rodriguez Fernandez Law firm. I had to resign from my job due to my health in XXXX. I apply for XXXX benefits as soon as I stopped working and was approved in XXXX of XXXX. That isy only income I pay a mortgage and other bills. I agree with this law firm to pay them 50.00 a month which is slot for. I fall behind but I manage to catch up because they call everyday until I pay. I also notified them that I get my check on the third Wednesday of each month and they start calling from the beginning of the month. The original creditor was XXXX XXXX  and I believe the debt has passed the statute of limitations since XXXXI fell back on slot of my bills. I currently live in the southern part of XXXX XXXX affected by the earthquakes and also the pandemic. These people have no disregard for my financial status and they also do not send any correspondence regarding the payments or the amount of the balance within the past years that I have this payment plan..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information contained in my credit report as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting the deletion of collections and late payments associated with my credit file based on violations of federal law. Account information as follows : Company : XXXX XXXX XXXX Acct # : XXXX Amount : {$4600.00} Legal Basis for Dispute 1. Violations Under 15 U.S. Code 1692c Under this section, a debt collector is prohibited from communicating with a consumer in connection with the collection of any debt at an unusual time or place or in a manner that is unreasonable. If these provisions were violated during the collection process related to my account, it warrants the removal of any negative reporting.

2. Violations Under 15 U.S. Code 1692g This statute requires that debt collectors provide consumers with specific information about their debts within five days after their initial communication. Failure to comply with these requirements can lead to inaccuracies in reporting and thus necessitates deletion from credit reports.

3. Violations Under 15 U.S. Code 1681e ( b ) This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. If there are inaccuracies due to improper investigations or failure to verify debts accurately, I request that you delete all related entries from my credit report. 
Evidence of Improper Investigations Recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) highlight systemic issues within both XXXX and Experian regarding their handling of credit reporting errors : CFPB Orders XXXX to Pay {$15.00} XXXX : The CFPB found that XXXX had engaged in improper investigations concerning consumer disputes over credit reporting errors, leading to significant inaccuracies in consumer files. 
CFPB Sues Experian : Similarly, the CFPB has taken legal action against Experian for conducting sham investigations into disputed credit report errors, which further undermines the reliability of your reporting processes. 
These findings indicate a pattern of negligence that directly impacts consumers rights under federal law. 
.
Product: Money transfer, virtual currency, or money service

I was sent a fraudulent check and manipulated into sending around {$1100.00}. Before this happened, i was never aware a fake check scam existed. I am a minor and feel like I was targeted. I've been on the phone with Citibank for the past 5 days now. I reported the fraudulent check right after depositing it into my account because I had an unsettling feeling. I don't want to be part of a scam. I sent two XXXX payments of {$500.00} and {$200.00}, and two XXXX payments of {$300.00} and {$100.00}. I have lots of evidence that this was fraud. in one of the pictures, you can see the person trying to scam me again to depositing XXXX & sending XXXX back.