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

I sent certified mail to the Credit reporting agency to investigate incorrect, invalid, and impermissible information pertaining to my credit report regarding a XXXX  XXXX account with the account number - XXXX. After conducting a full investigation I was told the referred account has not been changed and will remain on my credit report. Earlier this year I made a complaint to the CFPB about this same company furnishing all of this invalidated data without my written consent. I, The consumer should be protected under SECTION 15 United States Code 1681 in its entirety. The negligence to uphold these standards and willful non compliance to maintain accurate reporting is extremely disheartening as it is very damaging to my reputation causing me extreme stress, XXXX XXXX, and making it very difficult for me to maintain financial stability. I have attached proof to validate my claims. Please investigate this matter immediately. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, and XXXX they are currently reporting negative information on my credit report for late payments. The statue clearly states, a late payment can only be reported on your credit report for a period of 7 to 10 years from the date of delinquency from the original debtor. My loans have been in and out of forbearance and no payments have been made on my accounts since 2009. I have been disputing these with the credit bureau 's continuously and have made no progress. 
XXXX and XXXX are the worst, I have called them on numerous occasions and their online dispute is not user friendly. I have been able to have at least 7 deleted from my report by Experian, they are the same accounts still being listed by XXXX and XXXX so they should be removed from XXXX and XXXX as well. 
I have put countless hours trying to get these issues resolved, the retention time of this information has past and should be deleted from my credit reports. 
I am requesting your help in getting proper resolution into these issues.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There's an unfamiliar credit inquiry on my report which is very alarming, as I didn't authorized or consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
Product: Checking or savings account

on XX/XX/year> I deposited a {$120000.00} personal check into my bank account with Wells Fargo. The receipt says {$110000.00} would be available on XX/XX/year>. Based upon such WF document and reviewing my checking account online I issued 2 large checks and delivered at the XXXX XXXX XXXX on XXXX. XXXX XXXX  XX/XX/year> at XXXX ; XXXX, I received an e-mail from Wells Fargo which stated that the {$120000.00} was on " hold ''. due to in sufficient funds. That same day I went to my financial Institution where I wrote the check against, and they provided me with a printout that evidenced the {$120000.00} was still sitting in my checking account. I went over to the WF branch I deposited the check with XXXX ( via there inside teller ) and the branch manager said there was nothing that could be done.

I continued searching for help and I eventually spoke with a banker in Wells Fargo customer service on XXXX  XXXX and he opined that the branch screwed up and should have called over to the XXXX branch to determine if the check was good and $ $ there... .that was not done. ( I have asked for such procedure by have been stonewalled as to each of my requests of WF for documents and policies/procedures. ) Since., I had issued the 2 large checks I scrambled to see where I could possibly get monies to cover the checks. Ultimately, I had to sell {>= $1,000,000} in long term investments held at XXXX and have the proceeds wired into Wells Fargo to cover the XXXX large checks issued. 
On Saturday evening, I sold the investments at XXXX and had the $ $ wired into the WF checking account to cover the checks due to the " hold ' placed on XXXX  XX/XX/year> at XXXX ; XXXX for the alleged " insufficient funds '' .. sadly, such hold was misguided and was inaccurate as the $ $ was always available. 
Finally after spending most of Monday XX/XX/year> trying to work to unbundle WF errors I spoke with numerous escalation teams at WF. Some of the reasoning they told me lacked any common sense.ie..my monies were somewhere sitting at the US Treasury! Finally, I go to a man in the fraud escalation unit at WF on the afternoon on Monday XX/XX/year> he initiated a 3 way call with my other financial institution, XXXX, and they advised his that the {$120000.00} was available the whole time. He then took steps and, low and behold, the erroneous false hold was lifted.

trying to deal with WF staff on this has been an absolute nightmare! their crew seems to blatantly intentionally misstate material facts, fails to provide document and refuses to provide documents requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent EQUIFAX a certified letter asking them to remove the inquiries from both XXXX and XXXX and they still have not removed these fraudulent inquiries from my credit report. I also disputed XXXX other fraudulent inquiries at the same time which they deleted from my credit file but not these XXXX. No explanation was given to me as to why they did not remove these XXXX inquiries as I have proven to them they are fraudulent. XXXX even sent me a letter ( please see attachment ) informing me that they had reached out to EQUIFAX asking them to remove the fraudulent inquiry from my credit file and they obviously ignored XXXX. I sent this letter to EQUIFAX along with my identitytheft.org identity theft report and they did not follow the law and deleted these fraudulent inquiries.
Product: Debt collection

VALIDATION OF ACCOUNT Account # : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company $ XXXX. This letter is being sent to you in response to an entry made on my Credit Report dated [ date ]. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX  or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Money transfer, virtual currency, or money service

Please re-open Complaint # XXXX and review the following CFPB case carefully. It was closed after submission. The reason regarding closure is not true. I have just registered a new account on XX/XX/2022 and created this complaint on XX/XX/2022. There is no way that it has ever been previously processed.
Product: Credit reporting or other personal consumer reports

There should only be one name and one address on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX. Account # : XXXX Please remove the following Fraudulent hard inquiries from my credit report. 

XXXX - XX/XX/year> Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Original Creditor Name : XXXX XXXX TX, XXXX XXXX XXXX # # # # # # # # # # # # XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # # # # # # # XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX Original Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX xxxxxxxxxxxx XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX  XXXX Original Creditor Name XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX xxxxxxxxxxxx XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, Original Creditor Name XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX. Section XXXX. A states I have the right to privacy. 

XXXX U.S.C XXXX section XXXX A section XXXX : it also states a consume reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit file shows one account twice, ( XXXX XXXX XXXX XXXX ) both are not mine. It is also reporting a delinquent account from ( XXXX XXXX ) a collection agency or debt buyer, collecting for XXXX that is not mines. I have been a satisfied XXXX customer for 8 years, I am demanding an investigation and removal of all three adverse account being incorrectly reported in my credit file
Product: Credit card or prepaid card

On XXXX, I have booked XXXX XXXX flight using Capital one Quick Silver credit card for the amount of {$2100.00}. I have cancelled that ticket in XXXX due to Covid travel restrictions, Passanagers if citizen of XXXX  can not fly to USA. But XXXX XXXX did not refund. I waited till XXXX, did lot of calls and sent feedback forms but no refund was given so as a last resource I had to ask Capital one to dispute my transaction and fight on my behlaf. They opened a case for meon XXXX and they told me to wait 30 days.I have uploaded all the proofs for cancellations but After 30 days the case was not touchedmoved at all so they decided to close that case and opened abother case and gave me temporary credit for it and asked me to fax supporting docs. I faxed it and called them if they received it or not on XX/XX/2022 but surprisingly instead of moving my case I got letter from them on XX/XX/2022 saying we are closing this case as dispute has to be filled within 60 days on transaction only. So 1 ) Why they did not tell me earlier and opened 2 different case earlier? I wasted my time since XXXX with them and I had a faith and hope with them. 2 ) Also they closed this case very next day when I send the docs so why you did not use those docs and proceed with XXXX XXXX? If you cant proceed then tell me in the very beginning only. Its such a disappointment and lot of time waste.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo, XXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that I am remiss, and you do have authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, Equifax I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX  has been deleted from my XXXX credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX  customer service, I was informed that they reported to all three credit bureaus Equifax, XXXX, XXXX on XX/XX/2024. However, XXXX has failed to accurately reflect this information on my credit report. Instead they deleted it from my credit report. XXXX. 

Furthermore, XXXX has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide XXXX with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

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

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

Let me just start out by saying I am a fully licensed XXXX XXXX, XXXX XXXX and XXXX XXXX. I used to use Google Wallet regularly and it worked great, the transfers were instant and zero delays. I just tried again after switching to the Google Send app, it said it would take 5 days to transfer ( slower than a check or really any form of money movement ), this is unacceptable. I then IMMEDIATELY cancelled the transaction because again a 5 day time frame for a in place transfer is insane. I submitted and cancelled the request on XX/XX/18 and the cancelation was within under 120 seconds. On XX/XX/18 the money was withdrawn from my account, this caused much financial harm to myself as most of my bills debited my account because Google decided they needed my money 2 days later after I cancelled. When I contacted their Help & Support Group they let me know it could take 7-10 BUSINESS DAYS to credit back to my account. This is fraud, commingling and just illegal time frames for any company in the financial industry. They should be ashamed of themselves and the lack of customer serivce, I used to use Google apps and products religiously however now I and my family along with ALL OF MY CLIENTS will consider a new relationship. You are terrible Google Pay and your service is XXXX XXXX XXXX XXXX
Product: Debt collection

Hi I'm a Consumer. I'm sending this complaint to inform you that Ocwen Loan Servicing, LLC along with XXXX XXXX , XXXX where given notices of dispute to verify, and validate the alleged account that they are try to collect on neither financial institution can provide Original loan level documentation with blue ink signature to prove it. I the natural man specifically denied that account or any attempt to establish an account stated, by both parties. I own a private home NOT real property. I have no mortgage those signatures they have on the documents they have been sending me Do Not have my authorized signature on any of those alleged certified copies they have been sending after every demand I made for a verification and validation of the alleged debt ; with a sworn statement under oath from the original creditor, both parties can not provide it. Both parties are breaking several consumer law. Both Ocwen Loan Servicing, LLC and XXXX XXXX XXXX XXXX are breaking several FDCPA laws, FCRA, laws, and Truth in Lending Regulation Z laws. By claiming they receiving my information from a known source and can't provide proof, is my belief that there is identity theft, money laundering, and maybe tax invasion going on by Ocwen Loan Servicing, LLC. Which XXXX XXXX , XXXX choose to represent, which makes them indirectly debt collector try to assist Ocwen a Debt Collector to collect on a debt that they can't provide validated proof. I reject that alleged account. I have no real property so this alleged foreclosure that both parties are threatening me with needs to cease. I know that both parties are financial institutions and may be violating the Grand Leach Bliley act. I have been building my case for the last 8 months disputing back and forth with Ocwen Loan Servicing, LLC. Please look into my complaint and assist me on this matter. XXXX XXXX , XXXX also is falsifying in formation with wrong dated and claiming that they have sent me these letter certified, which I can prove they hav n't. Thank you in advance for looking into this matter. I would like a full break down of your investigation, and what procedures that you use to investigate both parties. Thank you again for your assistance.