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

Formal Complaint Regarding Discrepancy in Credit Reporting Across Major Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint regarding a critical discrepancy in credit reporting among the three major credit bureausXXXX, XXXX, and Experianthat I believe warrants urgent investigation and deletion of inaccurate information across all bureaus. 

Upon review of my credit reports, I discovered that XXXX and XXXX each reported XXXX derogatory account, while Experian inaccurately reported XXXX derogatory accounts. This inconsistency violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that consumer reporting agencies maintain accurate, consistent, and verifiable information. 

This error has not only caused confusion but has directly impacted my financial standing, leading to loan denials and damage to my creditworthiness. The reporting of inconsistent and unverifiable derogatory accounts constitutes a material violation of my rights under the FCRA. 

Request for Deletion Across All Bureaus : 1. I am formally disputing the accuracy of the derogatory accounts reported by Experian and requesting their immediate deletion due to their inability to align with the verified data reported by XXXX and XXXX. 


2. Since the additional accounts reported by Experian appear to lack verification and accuracy, I am requesting the deletion of the accounts across all three credit bureaus to ensure the consistency and integrity of my credit profile. 



Basis for Request : The FCRA explicitly holds credit bureaus accountable for verifying the accuracy of reported data. If a single bureau can not substantiate derogatory information, this raises questions about its validity with all reporting agencies. Therefore, deletion of the unverified accounts from all credit reports is the most appropriate remedy. 

Legal and Regulatory Actions : If this matter is not resolved promptly : I will escalate this issue to regulatory agencies, including the CFPB and the Federal Trade Commission ( FTC ). 

I reserve the right to seek statutory damages of up to {$1000.00} per violation as provided under the FCRA for continued harm caused by inaccurate reporting. 

Legal proceedings will be initiated to recover damages related to loan denials, lost opportunities, and other financial harm resulting from this error. 


I urge your office to investigate this matter with urgency and take appropriate steps to delete the unverified and inconsistent derogatory accounts across all credit bureaus. I look forward to receiving written confirmation of the deletions and the steps taken to rectify this issue. 

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

I have disputed this account with you before and you failed to remove the account without validating the correct balance and payment history. I reported that you are reporting the wrong balance. I will attach the settlement letter from this company showing the correct balance I owe. Even without the settlement letter, the 3 bureaus are reporting different amounts. How does this meet FCRA guidelines when all data furnished should be the same? I am demanding that the following account is removed from my credit report due to inaccurate reporting and due to the account being settled. Being that I have proof of incorrect reporting and my attempts at getting this account deleted, I will be seeking compensation due to many FCRA violations if this account is not removed from my credit report within 15 days : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a charge made from XXXX to my XXXX  mastercard ( Barclaycard ) I called and said i did not make the charge. It was made some time at the end of XXXX for XXXX. When I called I said I did not place the order. They decided to place a " dispute '' instead of a fraud investigation. I started staying at a different address XX/XX/XXXX because we are currently buying a house closing around XX/XX/XXXX. The company has the old address and said the merchandise was sent there. The Credit card company said they will no assist me in a fraud investigation because all the information " was mine '' and a dispute was placed first ( which was their error ). I did not make the purchase or get whatever product was ordered. I need a refund immediately i am not paying {$2100.00} for something I did not received. This XXXX card is the only card I pay an annual charge for and is the worst company I've ever had to deal with. The fraud department had the nerve to say I cant placed fraud just because the dispute wasn't in my favor. This is not the case at all, they issued the dispute incorrectly when i called and said it was fraud from day one they need to listen to my calls. my card is being canceled after this complete mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts below continue to report on my credit report despite several written requests there are still incorrect accounts.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to be corrected or removed immediately : XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$0.00} - XXXX see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Balance Owed : {$100.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card for XXXX XXXX purchases. I usually order online and pick up at the store. On one occassion I made a purchase in the store where they know me and was told, " You're still using this card? We now have a credit card you can use for out of store purchases. '' So I applied in the store and they said I would receive the card in the mail. 

I realized later that I keep a freeze on my account and that they would not be able to access my credit so I lifted the freeze and called XXXX XXXX XXXX credit company who told me that they would have to cancel the card I had before I could even apply for the new card that was a visa card. That concerned me and I asked, " what if I don't get the new card? Then I won't have credit with XXXX XXXX and I need it for pet supplies. '' The guy said that I would probably get the new card. I told him never mind. What I realize now is that he had already done an inquiry on my credit without my authorization and now I don't have the new card but there is a inquiry from XXXX XXXX on with the credit bureaus that I did not authorize. I would like their inquiry removed. 

I am attaching a copy of their inquiry on my credit report and a letter they sent me stating they could not give me the new card because I can't have two cards with them.
Product: Credit card

To whom it may concern, On XXXX/XXXX/2016 I setup a one time on line payment of {$300.00} to make a payment on my credit card which is a Wells Fargo card. The payment was scheduled for XXXX/XXXX/2016 with a due date of XXXX/XXXX/2016. 
I logged into my account XXXX/XXXX/2016 to confirm the transaction and noticed Well Fargo withdraw {$600.00} from my checking account. Transactions XXXX and XXXX. 
I called and spoke with XXXX XXXX and was told Wells Fargo can not do anything until the transactions post and that I should call XXXX/XXXX/2016 to receive my {$300.00}. 
I asked how did this happen to which she replied, I do n't know, but can see that I setup just XXXX {$300.00} transaction. The horror began when I called back on XXXX/XXXX/2016. 
I was told by a manager, XXXX, I believe her name to be. I was told XXXX transaction will be reversed, but will have to wait up to10 business days for my funds to be returned to my XXXX bank account. Without any doubt in my mind had the bank inadvertently given me {$300.00} the funds would have been immediately withdrawn from my account that day. 
I explained I need the money to pay electric, water, phone, insurances bills etc. etc. XXXX reply was there is NO other option she could afford me and that I have to wait. That alone is atrocious. Being a husband and father of XXXX children, the cash was truly needed. With today 's technology I 'm sure the money could have been returned immediately. Or perhaps all banks work in this fashion, I do n't know. 
Essentially, Wells Fargo, in my opinion stole {$300.00} from my banking account without my permission, have no reasonable explanation as to how it happen and I have no option but to wait up to 10 days for my money. 
I placed my trust in Wells Fargo and was deceived as they basically turned around and as I feel stole from my account and forced XXXX option down my throat, wait for your money. 
Wells Fargo blatantly took my {$300.00} from my account and I 'm forced to wait up to ten days for Wells Fargo to return my money. I guess you can call it a small loan. If Wells Fargo did this to XXXX people over a ten day span which is easy to do, for I 'm proof of that, that would amount to a small loan of {>= $1,000,000}. Imagine what you could do with that amount of money of a 10 day period. 
I believe this practice is unscrupulous and turns innocent people such as myself into victims. 
Under no circumstances should this have ever happened and to hear Wells Fargo explain they have no reasonable explanation is absurd. 
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous practice.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing issue of fraudulent items on my credit report, which has persisted despite multiple attempts to resolve it. This is my fifth attempt to address this matter, and I am seeking immediate action to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. I am requesting that you : Immediately remove the fraudulent items from my credit report, Provide me with written confirmation of the removal, Refrain from reinserting these items without notifying me in advance as required by law. Please acknowledge receipt of this complaint and provide a detailed response outlining the steps you will take to resolve this issue promptly. Kindly help me remove the following items immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

1 ) On XXXX/XXXX/2016 I experienced ID theft ( see # 1 ). Several contacted me to make sure I had intended to open new credit cards, and I said no. However, on XXXX Capital One Bank did not contacted e and opened a credit card in my name ( see # 2 ). 
2 ) If this complaint can also address an unsolved case, this tie in relation to a fraudulent mortgage payment that still, as of XXXX XXXX, 2016 still has not been removed from my mortgage bill ( see cases XXXX, XXXX and # 3 )
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to inform you that I've fallen prey to identity theft. I'm raising concerns regarding certain entries in my records that stem from this crime. These entries are devoid of any transactions reflecting my legitimate purchases or authorizations for goods, services, or financial transactions. If my plight doesn't elicit any sympathy, I request the removal of any significant information in my credit history associated with the suspected fraud or deceit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items 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 items 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 companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have been trying to contact for payment and settlement of balance for a reported tradeline by Wells Fargo Home XXXX since the start of XXXX. I have issued a formal debt validation letter, to which I have seen no reply. I submitted multiple disputes to the Credit Reporting Bureaus, including XXXX, XXXX, and XXXX, all of which respond with the same boiler plate terminology " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. '' To meet this criteria, I understand there is minimal burden of XXXX XXXX XXXX compliance standards, whereby Wells Fargo effectively utilized an auto-dispatch response without addressing the merits of my concerns. As recently as today, XXXX, I called them again and asked to remit payment to closet this account. I was told that they could not help me. They would not provide me with a phone number to the office for Debt Settlements and Collection. When I asked if they had an address to mail another letter, the customer service representative advised they did not have this information. I asked if I could have a copy of the phone call we just had in transcript or audio format, and they responded with " No, I'm sorry we can not help you ''. I am being denied my right to validate the debt. I am being the right to remit payment against the debt. I am being denied my right to seek origin of the debt. The debt itself is fraudulent in nature and dates back to XXXX of XXXX. I can not address anymore due to state Statute of Limitations and Wells Fargo had no interest in pursuing the company that defrauded me in XXXX - Storm Tight Windows. I provided strict evidence of all elements within this tradeline to justify, at minimum, a response to my dispute with some opportunity to seek reimbursement. I am being ignored while Wells Fargo continues to tarnish my credit with recurring monthly " Charge-Off '' derogatory status updates over and over again. As a professional, global banking institution, this is not an above board practice and undermines the reputation of Wells Fargo and their consumer practices. This Wells Fargo Home XXXX tradeline ( 1 ) was never used ; ( 2 ) is now 7 years and 2 months old since date of approval and inception when I was a first time homebuyer in XXXX ; ( 3 ) is currently reporting derogatory as recently as XX/XX/XXXX as a " Charge-off '', and has been each preceding month against my quantifiable, aggregate number of derogatory accounts ; ( 4 ) has never taken interest in resolving my original claim of fraudulent activity against Storm Tight Windows, with whom their recovery efforts should rightfully be sought ; and ( 5 ) has demonstrated an utter negligent degree of consumer interest, one of such an extent it is my belief this particular institution should be investigated and considered for debarment from direct consumer retail credit card issuance and banking altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my Experian credit report, I noticed several fraudulent credit inquiries on my report. The following inquiries that I didn't recognize, or authorize are as follows : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION TO MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER. thanks
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I have been unable to determine the Past Due Payment Amount on my Capital One Account. Capital One does not indicate anywhere on the statement ( Printed or Web Portal ) the amount of the Past Due Payment. In fact in the " Payment Information '' Section on the Statement, the only information provided is the Payment Due Date, New Balance, and the Minimum Payment Due. Capital One does not indicate anywhere in the " Payment Information '' Section that the account is past due or the Past Due Payment Amount. In fact, looking at the information printed in the " Payment Information '' Section, my account appears to be " CURRENT ''. To me this is practice by Capital One is " DECEPTIVE ''.

I have had many Credit Cards in my lifetime and all the Credit Card Companies I have worked with, always indicate the Past Due Payment Amount. If Capital One would have indicated this information in the Payment Section of the Statement, I would have at least made the past-due payment amount in order to keep my account from being Reported the Credit Reporting Agencies .

Because this common information was not provided in the Payment Section or anywhere on the Capital One Statement, I have been reported delinquent to the CRA by Capital One.

Because Capital One " FAILED '' to release this information, I have been injured as a " CONSUMER ''. In my line of work, I must keep my credit report in good standing in order to renew my Profession License each year. The FAILURE of Capital One places my lively hood in JEOPARDY!!
Product: Checking or savings account

On XXXX I initiated a dispute with chime for several unauthorized charges on my account. On XXXX Chime communicated via email that my dispute was denied and concluded no error occured and informed me I could request a copy of the documents they used in making the decision. I requested the documents and they only sent me the intake form from the conversation from when I called chime to dispute the unauthorized charges. I called them again and told them that the intake form that they are using to determine no error occurred is only the conversation I had with the representative and that they should approve my dispute because the charges were unauthorized. They informed me I could appeal and also include a statement from my manager at my job that states I was at work at the times the disputed transactions were made to further prove the transactions were unauthorized so I did. On XXXX they wrote me and stated the same thing that no error occurred with no supporting documents of their decision except the phone call I made about the dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a police report was made reporting cavalry portfolio services as a fraudulent account. A report to the federal trade commission was also made against multiple XXXX XXXX XXXX. On XX/XX/XXXX a cease and desist notice was sent certified mail demanding cavalry portfolio services to stop its attempt to collect any debt for these accounts, stop reporting this fraudulent information to the credit agencies and pay the invoice for violation federally protected consumer rights. 

XXXX XXXX XXXX  have failed to provide any written permission containing my signature along with the purchase agreement between the seller and buyer of this alleged debt.

According to title 15 usc 1681c-2 , a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt. 
XXXX, XXXX, and Equifax have continued to be negligent in their investigation and have willingly reported false and fraudulent information on my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX