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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ) **, specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : XXXX XXXX XXXX - account number # XXXX - reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

Failure to comply with the FCRA**especially your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under **15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report.

To summarize, my complaint is as follows : 1. Noncompliance with the FCRA** : The failure to investigate my dispute within the 30-day period ( as mandated by the FCRA ).

2. Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified. 
3. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute.

I request that you immediately : 1. Investigate and correct the inaccurate information on my credit report.

2. Provide a response** regarding the status of your investigation, including the results and any actions taken.

3. Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA .

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than 15 business days from receipt. 

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

My credit card account was closed without me receiving notice. Each month I have been receiving my statement via email from Sears. On XXXX XXXX I received my annual privacy notice which brought to mind I have not used the card. On XXXX XXXX I tried using the card and it was declined. Upon call on XXXX XXXX I was informed my account had been closed. I asked for a copy of the required notice that I never received and they said they could not send it. I never received the supposed mailed notice.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 a 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: Debt collection

Southwest Credit tricked me into paying a debt that had been settled in full by another collection agency, XXXX. I have all documentation that I would like to attach. I was originally defrauded into a contract with XXXX and they actually owe me {$480.00}. I complained to XXXX and they did nothing. They seemed more concerned with their subcontractor, XXXX XXXX, adding a service onto my account without my permission. 

I paid {$240.00} to Southwest Credit through their website on XX/XX/2021 because they tricked me into paying something that had already been settled. 

Furthermore, they sent me a letter dated XX/XX/2021 saying that I had authorized 3 more payments of {$240.00}. I did not. They said that the payments would be charged on XX/XX/XXXX and I needed 3 business days to " revoke my authorization. '' Since I this account was settled with XXXX, I would like my {$240.00} back and want to make sure that this type of inappropriate and probably illegal behavior be ceased at once. I do not want them to have access to my bank account. XXXX, my bank, told me that they would do nothing to reverse the charge and I would have to resolve it with Southwest Credit, which I tried several times today, Saturday, XX/XX/2021. 

I would you to take legal action against Southwest Credit in case others are being told that they owe money on accounts that have been settled by another agency or the original vendor. I would like you to also take action against XXXX to weed out and fire all sub-contractors that commit fraud. They have the 18 minute call recorded where this XXXX XXXX was doing everything possible to make sure that I didn't hear the details of the contract I was getting into in the first place. 

And mostly, I want my {$240.00} back from Southwest Credit and suggest you fully investigate this behavior. As I mentioned, I have a lot of documentation that I would like to add to this complaint in the way of file attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Equifax Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open
Product: Credit reporting or other personal consumer reports

i found these accounts on my credit report when i was trying to buy a vehicle and i was surprised cause i dont have any credit on my report i dont know where they came from in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove it from my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXXXXXX XXXX have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from XXXX, Equifax, and XXXX immediately.
Product: Mortgage

WELLS FARGO & COMPANY, AND ALL AFFILIATES AND ALL SUBSIDIARY ' S OF THE PARENT, WELLS FARGO & COMPANY. IS SAYING THEY OWN MY MORTGAGE AND NOTE/ I HAVE CHECK IT BY AUTOMATION ON THERE PHONE SYSTEMS. AND HAVE COME UP WITH IT SAYING THEY DO NOT HAVE A MORTGAGE IN THE NAME OF THE PARTY. SO HOW COULD A AFFILIATE OF OR A SUBSIDIARY OF WELLS FARGO & COMPANY SAY THEY OWN MY MORTGAGE AND NOTE? WHEN THEY SAY THEY DO NOT AND HAVE NEVER HAD A MORTGAGE AND NOTE OF THE SAID PARTY? I HAVE FILED THIS SAME COMPLAINT TO THE DOJ, FBI, AND ATTORNEY GENERAL OF MASS. WANTING ANSWERS.
Product: Checking or savings account

Around XX/XX/2021, I went into the XXXXXXXX XXXX XXXXXXXX, PA branch of citizens bank to close my checking account. The account had an overdraft line attached to it, which had already been fully paid off. I closed the account, and the teller gave me {$100.00} that was still in the account. I asked for some type of paperwork to show that the account had in fact been closed, but the branch staff said that they did not have anything they would give me, but I would get a letter from the bank verifying that the account was closed. to this date, I have received no such letter. On XX/XX/2021, I got an alert from my credit monitoring service that Citizens bank had reported me delinquent 30 days on the line of credit and that I was {$27.00} past due. This was 3 months after I closed the account. I called citizens bank 's 800 number and was routed to several people. The one who could help me assured me that that was an error, they would XXXX  out the amount they said we owed, and that they would correct the credit reporting and remove the 30 day late on our reports. I asked for something in writing to be sent to me, but was told nothing could be sent. To this date, there has been no correction of our credit reports. They did report that we owe nothing on the account, but have not removed the negative reporting. Unfortunately for us, all this happened while we were looking to buy a new house and has caused the mortgage rate to go up significantly, over a full percentage point.
Product: Debt collection

In early XXXX, XXXX I returned a phone call from XXXX XXXX, XXXX looking to settle a debt I owe American Express. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to American Express. After a discussion about what was an acceptable amount, I told the agent at XXXX that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with American Express. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to XXXX as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.
Product: Payday loan, title loan, or personal loan

We had a loan with another bank and had no issues for two years, XXXX XXXX XXXX bought out the bank. Never received any paperwork or any phone calls about the changeover. The first bank ( original bank ) took out a payment on the XX/XX/XXXX of the month and XXXX XXXX XXXX cashed a check and also took out payment through automatic withdrawal. Called the first bank and they apologized and overnighted a check for the mistake. Called XXXX XXXX about the double payment and stated it was a mistake as they were only supposed to cash the check and not do a automatic withdrawal. Only reason we sent them a check was we did not want our payment history disturbed. We pall all of our bills on time and there payment is due the first of the month. The said they would just credit our account for the double payment. I said no, I would like a refund immediately. The rep was kind of nasty and said we would have to fill out a 5 page request and said a letter head from our bank and it could be up to 4 weeks to take place. I decided to go to my bank to dispute the charge and they within 3 days had our charge back in out account. XXXX XXXX then at the leisure decides to withdrawal XXXX 's payment and add a return check fee for there original mistake. Called XXXX XXXX XXXX and asked them why they charged me a return check fee for there mistake and they replied that they had made a mistake and would look into returning the fee. Explained that the agreed amount each month is the legal amount they can take and not what ever they feel necessary. So again I went to my bank and disputed the return check fee. The reversed the charge in 2 business days. XXXX XXXX XXXX wants to now charge me two return check fees. I get a call from a rep and she states I now need to pay a payment but over the phone as she states, the bank will no longer do automatic withdrawal. I replied that's fine as I do not want them having access to my account. I stated I will request a paper statement each month and I will send them a check. The rep stated they will not accept our check, I'm floored, They make the mistake and refuse anything other than a pay by credit card payment. I have called in several times and they continue to say upper management is looking into the two return check fee 's that were clearly stated that they would remove them. Now every time I call in they saw ooh you have outstanding fees with us. Then to top it off they charge me XXXX to process my payment by card, well you don't give me any options to pay other then by card. I still to this day have not received any mailings showing there lending practices or there fee 's in regards to our loan with them. I have even tried setting up a electronic payment on there website and it has me locked out from that. I ask them why and they say I do not qualify for that payment option. This bank is horrific and has the worst customer service.
Product: Credit reporting

Experian received my dispute request on XX/XX/2016, this is regarding the inaccurate reporting on XXXX XXXX accounts. I requested that Experian send me verifiable proof ( an original consumer contract with my signature on it ). According to the FCRA Section 609 ( A ) ( 1 ) ( A ), Experian is required by federal law to verify, through the physical verification of the original signed consumer contract any and all accounts Experian posts on a credit report. I received report number XXXX Dated XX/XX/2016, stating this would be completed by XX/XX/2016. I still have not received verifiable proof of my signature form Experian. 
Since they can not verify this debt, and did not verify within the required time frame, I am requesting they remove the items from my credit report immediately. If not completed I will be forced to take Experian & XXXX to small claims court. 
I have included the letter I have sent by certified mail, tracking number XXXX Experian had 30 days to respond and failed to respond to me with the information I requested by XX/XX/2016, I am requesting the items are removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Documentation and Compliance with the Fair Credit Reporting Act Dear XXXX XXXX XXXX I am writing to express my concern over the continued reporting of a charge-off account on my credit report, which I believe to be inaccurately reported. In light of this, I am formally requesting documentation to verify the accuracy of this reporting, as is my right under the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account Number : XXXX Reason : Please Explain your method of validation on how you're reporting this account with a balance and a charge-off when this account was bought by a 3rd party debt buyer. 
Instruction : This is a violation of my consumer rights, please delete immediately It is imperative that I receive concrete evidence showing that your reporting of this charge-off is entirely accurate. My objective is to ensure that my rights under the FCRA are not being infringed upon, especially regarding accurate and fair credit reporting practices. 

Given the serious implications of inaccurately reported credit information on my financial health, I urge your company to review this matter promptly. If the reporting of this account can not be verified as accurate, I request its immediate deletion from my credit report to comply with the FCRA 's requirements. 

I appreciate your immediate attention to this request and expect a timely response to this matter. Ensuring the accuracy of credit reporting is not only a legal obligation but a matter of financial integrity and consumer trust. 

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

This collection from XXXX XXXX XXXX  is fraudulent and dose not belong to me please remove from my credit report account # XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I received a text message indicating that my father sent me {$20.00} through Cash App. I clicked on the link to receive the money and it took me to download the app. Once the app was downloaded I went through the process of signing in. at one point it asked me to confirm the card number XXXX. I did not recognize this as the last 4 digits of any of my cards so I chose whatever option was at the bottom of the screen indicating that I was not able to complete this task. The app then took me through the process of what I realized after was creating a new account. After this was completed I went back to the original text I had received to accept the {$20.00} and I was informed that the money was already claimed however the {$20.00} is not in the account I had just created. 

When I informed my father of this he confirmed that when he went to send me the money it indicated to him that I already had an account. In the process of setting up the new account it asked me to enter my debit card number, it was through doing this that I realized the " XXXX '' was actually the FIRST 4 digits of my debit card, therefore this also indicates that I already had an account prior to the one I had just set up. 

I contacted Cash App that same morning via an online customer support message. I did not receive a message back until the next day, Saturday XX/XX/XXXX. I responded to the message from XXXX and included as much of the information she was requesting as possible. I did not receive another message back until Monday XX/XX/XXXX and that message was from XXXX, asking for similar information. I replied to this email and did not hear back again until yesterday XX/XX/XXXX from yet another person, XXXX, again asking for the same information that I explained in the previous emails that I did not have. 

I called Cash App yesterday and spoke with a customer service representative and explained my frustration with the email communication and requested to speak with one person to resolve the issue. She instructed me that I would need to communicate via email for security reasons. I asked to speak with her manager and she was unable to connect me with a manager. 

No one is able to provide an answer or explanation as to where the {$20.00} went.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX