23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX  # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to TransUnion, XXXX, and XXXX by certified mail. Over XXXX inquiries are included across the three reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX- I went in to trade a car and XXXX seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, my car, a XXXX XXXX XXXX was paid off. On XX/XX/XXXX Credit Acceptance took an additional car payment from my bank account. { after it was paid off } I have yet to get my money back. I have called several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX and Transunion to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but XXXX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and 10 months from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Resolution Request Incorrect Credit Reporting and Data Protection Concerns ( XXXX XXXX Account XXXX XXXX ) Dear Sir or Madam, I am writing to dispute and request the immediate investigation of inaccuracies in my credit report as mandated under the Fair Credit Reporting Act ( FCRA ). There are several critical issues pertaining to the XXXX XXXX account listed on my credit report that necessitate your urgent attention and action.

Inaccuracies and Discrepancies in Account Reporting : The account in question is incorrectly reported with a status of " Charged Off '' and a past due amount of {$390.00} as of XX/XX/year>. The reported balance of {$6300.00} also seems erroneous. These inconsistencies violate my rights under the FCRA, which requires that all consumer reporting agencies maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ).

Impact of Data Breaches on Personal Information : It is well-documented, including in recent legal proceedings against Experian by the Consumer Financial Protection Bureau ( CFPB ), that Experian has faced issues related to the accuracy and protection of consumer data. Moreover, the significant data breach at Equifax has heightened my concerns about the vulnerability of my personal information and the potential for incorrect data handling and reporting. 

Given these precedents, there is a reasonable basis to question the integrity of the reported information, especially when it directly impacts my creditworthiness. In light of this, I am compelled to request a comprehensive investigation into this account 's reporting. If the account details can not be verified or substantiated, I insist on their immediate removal to comply with FCRA 611.

Request for Compliance and Action : A detailed investigation of the account to verify the accuracy of the reported information.

Immediate correction/removal of the account from my credit report.

Provision of updated credit report post-investigation at no charge.

Confirmation in writing of all actions taken on this matter.

I have attached copies of relevant documents supporting my claim and evidencing my identity for your reference.

Please note that this letter serves as a notice that your failure to comply with FCRA requirements could lead to investigations by the Federal Trade Commission and legal actions on my part for any damages sustained.

Thank you for your immediate attention to this serious matter. I expect a written response within 30 days, as stipulated by law. 

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

I am the victim of Identity Theft and Bank Fraud. I tried to open an account with Experian to put a freeze on my Credit Report and review it, but someone has already fraudulently opened an account with my information. I have tried to contact them but there is no option on line or with their automated phone system to fix the fraudulent account that has been established with Experian, and there is no option to speak with a real person to explain the situation.
Product: Checking or savings account

My mobile app have sending some of my Bills were being Late now for a few months so I went for HELP a Banker XXXX XXXX help me and he changed all my payment dates so no more late payments for my other Bills won't be late but what end up overdraft fees and my Rent payment came out XXXX times for XXXX and they said they could not do nothing so now my account is over drawn and I'm forced to pay my monthly Rent for XXXX ahead of time and I'm forced to overdraft fees I'm on XXXX and no more money for this month Thanks Sincerely every body says they never heard nothing like this and it WAS there doing
Product: Credit card or prepaid card

RE : CITIBANK  CARD  XXXX   XXXX   XXXX   XXXX  I saw, online, a promotion that would return {$300.00} if one spent {$1000.00} in 90 days. I received the card and spent {$1000.00} in 30 days. CITI tells me that that offer was only valid if CITI solicited for you to take it. Advertising something online sounds like a solicitation to me. CITI says it will give me {$300.00} if I spend {$3000.00} in 90 days. Pompous, hostile and unacceptable is this  50o0 LB Gorillas  stance. I wrote t o CITI and received, about 2 we eks ago, a call from the Exec office telling me they would deal with the problem by the  XX/XX/XXXX . Unsurprisingly, I have not heard from them. It would appear that I must have made this offer up from CITI 's viewpoint.
Product: Bank account or service

My Personal Checking Accounts & Savings from Wells Fargo Bank were closed without notice XXXX XXXX. While attempting to use sufficient funds from the accounts, the cards were declined twice. Wells Fargo customer service department was contacted which then directed the case to the Loss Prevention Department. At that time, for the first time I was notified that the Wells Fargo Personal Checking Accounts and savings had been closed. It was also brought to my attention that the establishment no longer wished to do business with me as a customer. There was no written notification, verbal contact, email etc. to inform me as a client that the accounts were being closed. I proceeded to inquire about the funds that were in the accounts that had been closed without notification. Wells Fargo Bank informed me that a check would be cut XXXX XXXX and mailed. As a customer I am being inconvenienced without just cause. Is this something that can legally be done without notification? What can be done to expedite this process so that the funds are returned. Thank you for your time
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and procedures ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signatures on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to possibly verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

Creditor Name : XXXX XXXX XXXX IN In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

My account with XXXX XXXX was 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

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
Product: Money transfer, virtual currency, or money service

My friend in XXXX wired transfer fund to my account at CITI Bank here in XXXX and he paid the wire fees on his end. 
When I received the fund, it was less {$10.00} with no explanation. 
I called CITI Bank and spoke to a supervisor ; she said that this is fees for the intermediary bank which is also CITI bank. 
The fees do not appear on my bank statement or transactions and there is transparency in the entire transaction, and I was never informed of this fee..
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid of most of my credit card a nd a few days later they put in a late fee on my account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent andbaddress fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution processwas unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX/XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I was directed by the office of the Comptroller of the currency to file a claim with your department the case that was with that office # XXXX. 

To whom it may concern my account was closed back in XX/XX/2019 with Wells Fargo bank. On XX/XX/2019 a refund went via my old debit card with Wells Fargo for {$2500.00} from merchant XXXX I informed the merchant that no longer had a account with Wells Fargo I was instructed the payment had to go back to that card. At the time I contact Wells Fargo multiple times XX/XX/XXXX to XX/XX/2019 in the beginning Wells Fargo informed me anytime the account is closed more than 30 days anything trying to come in or out of the account will be blocked. On XX/XX/2019 the payment came in Wells Fargo fraud department and was blocked on XX/XX/2019 it was picked up by Wells Fargo collections department. At the time of closure in XX/XX/2019 there were a few claims that I open regarding the negative balance with Wells Fargo I never received the proper resolution pertaining to those claims so they were re-open. I received a letter dated XX/XX/2019 Dear XXXX XXXX, we completed our research of the Inquiry about charges of {$2500.00} on your account. Based on the information available to us we have to determined the transaction was authorized or that a processing error did not occur. Please consider claim close. 
Their decision is Vague and untrue. It not Concerning Charges it base on a merchant refund to a close account.
Product: Checking or savings account

XX/XX/year> account was frozen. I placed a call to the company and told that I would be emailed an explanation and instructions. 

XX/XX/year>. I called the company to say that no email if explanation was ever sent and I still couldn't access my mone. My paychecks were deposited and I have no access to these
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my XXXX XXXX XXXX and Equifax inquiry is XXXX XXXX inquiry date XXXX XXXX phone number XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency results on XX/XX/21, stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete these items, as originally requested : XXXX XXXX, U S DEPT OF EDXXXX XXXX , and U S DEPT OF EDXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX  Account Number 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX  Account Number # 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX notified me to a change to my credit report in XX/XX/2022. A hard inquiry was requested for an application to a Bank of America card that I did not apply for made. I contacted Bank of American by phone on XX/XX/XXXX and XXXXXXXX XXXX to report the fraudulent application. I was told the inquiry would be removed. 

It is still there as of today and it is affecting my credit score negatively.
Product: Bank account or service

I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. 
I run to the branch and get a cashier 's check. I am not informed of the different rules. 
My cashier 's check is lost and they refuse to stop it. 
I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through us bank that was set up i. auto pay XX/XX/2022 before any purchases were made. I called I. XXXX after receiving a notice that my bill was not paid. They told me they made a mistake and reversed late fees. At that time, I confirmed with the rep that the card was on auto pay and they said yes. 3 months later I receive a notice saying the card
Product: Student loan

I made a loan payment on XX/XX/XXXX, and am less than a month behind for a XX/XX/XXXX payment and Mohela calls me XXXX to XXXX times a day, every day. This is disruptive and unacceptable. I have also noticed that non of my payment is going to my principal, {$140.00} a month is only being applied to interest.