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

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My handbag was stolen the a year and a half ago with all of my pertinent information in it. License and Social security card. My information was used to try and retrieve credit, mortgages and car loans. I have not applied for anything with my credit since I have lost my handbag. 
I am writing to delete the following information in my file. The items I need deleted have been listed in the report. I am a victim of Identity theft. I ask that the items be deleted to correct my credit report.
Product: Credit card

XX/XX/year> the company sent me a email where the XXXX XXXX anthem of name was altered by the sender XXXX XXXX. My name is in the national anthem as a XXXXXXXX XXXX XXXX.I am the XXXX XXXXr of the XXXX as a living XXXX XXXX XXXX of state of CA and the XXXX ancient society refuses to allow customer to use capitalism equipment cell phone web page while state issued XXXXXXXX XXXX XXXXXXXX name is approved for financial services and XXXX ancient is not with statute of liberty or national holiday St.Patrick 's day than behaving as public officers of capitalism against XXXX XXXXXXXX of communism free and clear state. The customers name is a public officers name issued by free and clear state of CA. I'm XXXX and the caucasian sociologist denies XXXX wealth to XXXX citizen with a forged family tree of XXXX XXXX ancestors with XXXX XXXX in a way while XXXX name has a mandate space character applied to name of communism with XXXX total characters total for full name and the XXXX national anthem plays before XXXX national anthem on website application. XXXX XXXX XXXX is patrolling mail of XXXX XXXX citizen without payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  NJ, XXXX Dear XXXX I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A fraudulent charge of {$450.00} was made on my TJX credit card at XXXX XXXX in XXXX, AZ in mid XX/XX/XXXX. I currently live in XXXX and with the assistance of one of my adult children who is in the US, I called the company ( operated by Synchrony Bank ) on XX/XX/XXXX and reported the charge as fraudulent. I was informed by the company representative that it would be investigated by the fraud department and I would receive a response to my report. I was thanked and bid farewell by the company representative and the call ended. In early XXXX the next statement arrived and the charge remained as well as additional charges having been added. I called again and was informed that my call in XXXX had dropped and I had not been transferred to the fraud dept and a proper report had not been taken. I was then transferred to the fraud dept and a report was duly submitted. Within the next month I was informed the charge was indeed fraudulent but the next statement still had incorrect charges on it. I called again in early XXXX and again in XXXX and I was told that charges would be removed after a period of 60 days had passed from the initial report ( which was officially completed in early XXXX ). I skipped contacting the company in XXXX but when I started receiving multiple emails a week in XXXX, I contacted them using their web site messaging service. Their response apologized for any inconvenience to me and asked me to make another phone call to the fraud dept. In my message, I specifically stated the great difficulty it is to make a phone call from XXXX. To date over 5 hours have been invested by myself and my child in trying to straighten this out. Why should I have to make another difficult phone call when the fraud was facilitated and allowed by them. They informed me that someone made an in store purchase by accessing my account without actually presenting a credit card to do so. The original fraudulent purchase has been removed from the account but other charges of {$40.00} still remain. This account has not been used by me or anyone else under my consent for almost two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$6900.00}. The original creditor is XXXX XXXX XXXXI never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.
Product: Debt collection

They trying to call me about my loan I had with furniture but I told them the furniture was stolen but they didn't do anything and I want to do is get more furniture and stay a new loan because I can't pay for something I don't have.
Product: Credit card or prepaid card

I requested Bank of America to change my address and update my phone number on file. I received confirmation that they did change my address on file. My phone number, however was not updated. 

I misplaced my card and called Bank of America to send a replacement. They requested the CVV number on the back of my card ( the card that was lost ). Since I could not provide the CVV number, they requested I access online banking to replace my card. I am not enrolled in online banking. 

They will not allow access to online banking without a replacement card. I can not get a replacement card without verifying the CVV number. They also stated that since I changed my address, I could not update my phone number for two billing cycles. 

Therefore, they are refusing to replace my card. I sent a letter, with a copy of my ID to request these changes. They finally requested I visit a branch. I am XXXX, and asked my caretaker to load my wheelchair into the van and we visited the Bank of America branch on XXXX XXXX and XXXX XXXX in XXXX, AZ. After going inside, they suggested I " call customer service '' because they " dont have access to that ''. 

I would like a replacement credit card sent to the address on file. I would also like my phone number properly updated.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Bureau Negligence Dear CFPB, I am writing to formally lodge a complaint regarding the negligence of a credit bureau in failing to provide my consumer reports as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated requests for my consumer reports, I have not received the necessary documentation from Trans Union, Equifax and Experian within the timeframe mandated by law. This lack of response has hindered my ability to review and address potential inaccuracies in my credit history, which is crucial for maintaining my financial health. 

The FCRA mandates that credit bureaus provide consumers with access to their credit reports upon request. My attempts to obtain my reports have been met with delays and inadequate communication, which I believe constitutes a violation of my rights as a consumer. The failure to provide these reports not only impacts my ability to monitor my credit but also undermines the integrity of the credit reporting process. 

I urge the CFPB to investigate this matter and ensure that [ Name of Credit Bureau ] is held accountable for their negligence in complying with the FCRA. I have attached copies of my correspondence with the credit bureau, including any relevant documentation related to my requests for my consumer reports. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address this issue.
Product: Debt collection

XXXX has a collection on my credit file. I sent a debt validation letter. They sent me a piece of paper with my name account number bill period and bill date with amount. I have also did a dispute on the item and it has been denied. I have no knowledge of this account. It has an address that is old. I moved in XX/XX/XXXX and they are stating a bill for XX/XX/XXXX at the old address. I did not have XXXX at that time. I have been with another cell phone company during the time they are stating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 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 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.
Product: Debt collection

Found out I was being sued n. Court for a debt onwed by a debt collector u have any knowledge off
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am not informed about them, and the company proceeded without my consent.
Product: Vehicle loan or lease

An auto loan was fraudulently opened on my behalf. 
Three months ago, an auto loan was opened by Ally Financial for purchase of a used XXXX  XXXX XXXX. The information provided to open the loan was my maiden name and my SSN, but not my address and phone number. No payments were ever made towards the loan, and the loan is negatively affecting my credit score. I was first notified when my current bank alerted me that my credit score dropped significantly over the last week. I have called the originating lender and placed a Fraud Alert at the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each report on each credit report has been giving different information. Which is all inaccurate. And can not be verified but your company keep reporting that it is verified with wrong information. You Violated the United States Code Law ( FCRA 15 U.S Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FCDCPA 15 U.S Code 1692e. False or misleading representations ) FCRA 15 U.S Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to any consumer reporting agency I disputed to such person by a consumer, the person may not furnish the information to nay consumer reporting agency without notice that such information is disputed by consumer.

Under FCRA 15 U.S Code 16812-2 ( 3 ) you violated the law. I disputed these inaccurate items over 35days ago and you haven't notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not rotating it was disputed 15 U.U Code 1692e. False or misleading representation- ( 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
Product: Debt collection

By phone conversations we have tried to get the itemized list of care made. The initial bill was over {$1400.00} seen XXXX XXXX for few minutes not given any medications or nor procedures had XXXX XXXX so how come it was so much. Was not able to resolve with them made several attempts. Also we gave our CC information because we were told had to set up on auto pay to pay off before it could be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, have given no written instructions. Experian, XXXX, XXXX XXXX allow inaccuracies to be furnished on my consumer report. These inaccuracies make me lose confidence in the banking system. This is not fair to my credit; according to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late dates from this account : XXXX XXXX XXXX / XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This CAPITAL ONE account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

There was a glitch in transunions system. There are inquiries on my account that are not authorized. Please assist me in removing the following inquiries of my credit report : XXXX XXXX. XXXX XXXX, 2016 XXXX. XXXX XXXX, 2016 XXXX/ XXXX XXXX. XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX, 2016. & XXXX XXXX, 2016
Product: Mortgage

I live in Florida. Have a mortgage with Wells Fargo. Have constant trouble with them saying I am short in my escrow payments. I ask for a full accounting of that and they send me copies of statements that sometimes match and sometimes do n't match the ones they have sent me originally. I recently sent a written dispute to them about it. They replied saying that they researched the situation and it is not wrong. That the error has been " rolling over '' since 2011 and even though every year I am asked to pay extra escrow - it never catches up. Each year my statements show a positive balance and then all of a sudden a negative balance. My principle and interest is {$600.00} a month at now 4 % My house taxes are $ 100 month. My insurance escrow is $ XXXX month. Each year they send a letter stating that they need an extra $ XXXX {$250.00} due to a negative escrow balance of {$6000.00}. If I am paying the amount my insurance costs and my taxes cost XXXX how in the world am I short {$6000.00}. 
And if they require me to pay an extra {$200.00} each month every year XXXX how in the world am I short {$6000.00}. I have seen several things that Wells Fargo has been in trouble in the past for fraud for this.