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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXXXXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to dispute inaccurate and incomplete information in my credit report, which I obtained from your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies in my report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX  account XXXX I am writing to dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your agency, and I have identified [ specific account name or number ] as being inaccurately reported as a charge-off. 
Supporting Documentation : I have attached a copy of my credit reports from XXXX, TransUnion and XXXX. 

The CFPB lawsuit against your company highlighted several systemic issues that align with my experience, including : Failure to forward consumer-submitted documentation to furnishers. 
Use of inaccurate or generic dispute codes, leading to miscommunication with furnishers. 
Reliance on inaccurate responses from furnishers without further investigation.

These practices raise serious concerns about the integrity of the dispute resolution process. I demand that you : 1. Conduct a reasonable reinvestigation of the disputed item, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. Forward all relevant information and my supporting documentation to the furnisher of the information, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ).

3. Provide me with clear, written notice of the reinvestigation results, including specific details of any changes made to my report, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

Additionally, I request that you provide me with a corrected credit report once the errors have been resolved. 

If you fail to address this dispute properly, I will escalate the matter to the CFPB and may explore further legal action.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX [ Ph # ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-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. This collection, by law, MUST be DELETED from my credit report immediately.
Product: Credit card or prepaid card

Here is another account that is reporting incorrect information XXXX XXXX is showing a 30 day late on XX/XX/19 also another 30 day late on XX/XX/19 how is this possible?? XXXX is showing a 30 day late on XX/XX/2019 then a 90 day on XX/XX/2019? XXXX is showing a 30 day late on XX/XX/19 XXXX is showing 30 day on XX/XX/19 then a 90 day in XXXX How is this Possible each agencies is showing different late payments on different Month? I have disputed this account more than 15 times with the reporting agencies and Guess what They say citi is verifying this information correctly I'm sick of the games that you and the reporting agencies play please delete this account ASAP as the information is incorrect fcra states that credit reports must report 100 % accurate The law is very clear as to the Civil liability and the remedy available to me I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX  Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXXXXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX  which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open on XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} 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 an account without my written instructions in fair resolution.
Product: Checking or savings account

When we were banking with Wells Fargo several yrs ago they reported to social security for my SSI that I was making and depositing {$8000.00} or more a month for the time frame of over a year. Also they reported accounts that myself and my wife knew nothing about that had been opened by a branch employee without our consent. Because the way that SSI is set up I lost my benefits and at the time when the bank caused error was caught all they had to do was report the account reporting error which they did not do. At the time the bank was under investigation and in the news for the same thing to other bank customers we made an agreement with the banks mediation department and agreed it would be dropped as long as they did what they said they would do. I have been threatened with arrest and they have put a huge overpayment on my SSI account that I can not pay and the bank has just let time slip away to the point that I have lost my benefits due to over the income limit of SSI and now we feel the bank should have to pay us some form of restitution considering because my ssi payhas stopped or been greatly reduced I can not pay my bills and my credit is being destroyed and I have desperatly been trying to get a personal loan to pay up my bills in the meantime but wells fargos action has just dominoed in effect we have written them and all we get is its being looked into and we never hear back from them. The Money Wells Fargo reported as mine was not mine nor did i make it as income like Social security This matter is so serious that we have the State Senetors office trying to help us with Social Security and they are aware what the bank did. The bank should be punished not us.
Product: Credit card or prepaid card

This is actually a YES and NO answer, because today, Monday XX/XX/XXXX I did speak to someone the Fraud Retail Services Department at Wells Fargo about a XXXX XXXX credit card that I recieved in the mail Saturday XX/XX/XXXX. Charges for over {$3000.00} were made on that card. This is a different Wells Fargo account I am reporting now. In today 's mail I recieved yet another Wells Fargo store card for XXXX XXXX. This card shows an {$8000.00} credit limit. Because I opened my mail after business hours I won't be able to contct Wells Fargo again until Tuesday morning XX/XX/XXXX.
Product: Debt collection

Debt was settled for XXXX with a previous collection company back in XX/XX/XXXX. Debt was sold to another copy in XX/XX/XXXX, which was reported to the credit bureaus as an outstanding balance of XXXX, collection debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against LADCS for unlawfully taking money from me and violating my constitutional rights. LADCS has engaged in actions that infringe upon my rights as protected by the Constitution, specifically the Due Process Clause of the Fourteenth Amendment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions also have inquiries that do not belong to me. 

Experian XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company with their " free ID protection '' in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly take urgent measures to remove the unauthorized inquiries from my credit report, as they are causing me significant distress. I did not approve or initiate these accounts, and it is unjust for me to be held responsible for them. I urge you to promptly address this issue.
Product: Credit card

At the urging of a store clerk at the XXXX XXXX Kohl 's, I opened a Kohl 's charge account in order to save extra money on a purchase. I purchased something in XXXX 2015, but never received any bill. In XXXX XXXX, 2015 Kohls ' called and said I was late with my payment. I immediately payed the bill with them over the phone and asked if there would be any adverse impact on my credit report. They said there would not be, but they apparently reported the overdue balance to the credit bureaus a day or two prior to calling me,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on Experian credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into inaccurate information present in my credit file. I believe there has been a mix-up regarding my account details, which may have negatively impacted my credit standing. I kindly ask you to look into this matter and rectify any discrepancies at the earliest convenience.
Product: Checking or savings account

I tried opening a savings account with chase bank while already having a checkings account where i currently receive my employer direct deposits and also my IRS refunds. I used the account on daily basis & i tried to open a savings account, went to the branch a couple of times and was told to try later on in the future about XXXX weeks after the day i went and when i tried, i had to verify my identity by answering some personal questions which i did and they were correct, next morning my account was closed/ restricted and i called the department, went 3 times in person to the branch and couldnt get access to the account or any information why it was being closed, i want to release my funds i have in the account because i have bills to pay and i was told they couldnt do it and no reason whatsoever
Product: Credit reporting or other personal consumer reports

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card or prepaid card

I was approved for a Capital One credit card almost 60 days ago. 

To date, I have not been able to log in to my account due to technical problems. I have called their customer service department and they were supposed to text me an access code. It was never received. And each time I request one through their website, they do not send one to my home phone. I also had problems activating my card when it first came. I haven't used it to date, so I don't even know if the customer service department properly activated the card. I tried doing it online, and they required me to call them. 

I'm not sure what is going on with their website, but if this is how they conduct business, I don't have a desire to ever use the card.It is important to be able to access the account online and to set up alerts in case the card is ever stolen.
Product: Credit reporting or other personal consumer reports

After being notified of my personal information being used in several data breaches, I reviewed my credit report and noticed an account that I did not authorize, along with relevant inquires. I have no recollection of applying for applying for this account, and it is negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off of my credit report in XXXX  days! This account is damaging my credit. I have no connection to this account and urgently request the immediate removal to prevent further harm to my credit. I disputed this account and it was not removed. 

XXXX XXXX Account XXXX XXXX XXXXXXXX {$410.00} XXXX XXXX XXXX Inquires XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ),
Product: Checking or savings account

XX/XX/24 : I used the drive up ATM on XXXX XXXX XXXX XXXX XXXX. I needed to deposit a check for {$39.00} and cash. I could not do them as one transaction so I deposited the check first. I received a receipt and had to start over with my PIN again to deposit the cash. 
I placed {$500.00} in {$20.00} bills in the machine. It started making ping noises and eventually the cash door opened with {$40.00} there. My card also came back out. An error message came across the middle of the machine and then the machine went back to the home screen. I immediately called Santander and heard no evidence that the {$460.00} that the machine kept credited to my account. 
I spoke to someone who was extremely calm about it telling me he can file a claim but couldn't do anything else. He disconnected. I called the branch next to the ATM and the extremely condescending representative told me they don't service the machine and he can't help me. 
I then sat on the phone with Santander customer service for more than a half hour ( still in front of the machine ) and the XXXXXXXX Police came to assist. They will file a report and showed empathy for the situation. 
I was told I can only receive a provisional credit for " up to 45 days '' or until the investigation is complete. No money has been added to my account and as Monday is a XXXX in Massachusetts, I likely will not see any provisional credit until at least Tuesday. 
The ATM stole my money. I have bills that need to be paid and the money is now unavailable to me. The lack of empathy, understanding and professionalism is shameful.
Product: Debt collection

I disputed a medical debt on my credit report because companies are not allowed to report medical debt on credit reports anymore due to the CFPB 's recent rule change. The very next day, LOCKHART, MORRIS & MONT changed the account type from " medical debt '' to " collections '' in an obvious attempt to defraud the credit bureau and continue reporting medical debt in violation of the Bureau 's new rule.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Chase Bank company on multiple dates over the last 6 months. 

I Checked my credit report on XXXX, XXXX, and XXXX and it has not marked as disputed, So I am unsure if the company is following The law 15 U.S. Code 1692e - False or misleading representations Section 8 : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

Here is my account info during investigation I want this account XXXX XX/XX/2016 deleted
Product: Debt collection

I received a collection notice from Receivable Solutions , Inc . This agency is attempting to collect on two combined medical bills ( {$880.00} & {$1000.00} ) owed to XXXX XXXX XXXX. 

Since I applied for medical financial assistance, and awaiting approval, I was informed by XXXX ( XXXX XXXX XXXX ) and the billing department to pay at minimum {$5.00} on the bills to prevent to going to collection. I paid on both combined bills in XXXX., XXXX., and XX/XX/2020. The checks in XXXX. and XXXX. were cashed/accepted as payments. 

Besides the fact that the amount of the bills the agency is attempting to collect are inaccurate, these bills shouldn't be in collection in accordance to XXXX XXXX payment agreement and the Fair Debt Collection Act ( exceeds the amount owed ). XXXX XXXX shouldn't have sent the bills to Receivable Solutions. This complaint is against XXXX XXXX Billing Departments as well as Receivable Solutions. 

Please also see attached copies of checks and agency 's collection letters. I also taped recorded every conversation with XXXX XXXX employees regarding the bills, which can be shared.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX 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 furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I logged onto my sofi account and saw charges on a crypto website that weren't mine. I went and filed a dispute about these charges. I then got a denial email after asking for why it was denied they said that because I've used this website before that it must of been mine. I told them I was at a get together I couldn't find my phone for hours I ended up finding it at the end of the night so when I went to log onto my sofi account and saw charges to this XXXX website that weren't mine I reported it. Once I reported it then I was told my account was restricted and that they would send Me a check in the mail with whatever money was left in my account but they had no XXXX. I have called numerous times and not a single person there is any help or knows anything. I asked what was the violation I violated they couldn't tell me they didn't know. This company is horrible. I have charges that aren't mine along with money that is mine that I can't even get out.