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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA co

uldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

SANDS, MICHAEL SOC SEC # 59XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX state law concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under XXXX law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant XXXX statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received. 

XXXX XXXX XXXX  is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX  failed to provide the name and address of the original creditor.

XXXX XXXX XXXX  continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to Transunion, XXXX and XXXX )
Product: Money transfer, virtual currency, or money service

Can not log into Venmo. Changed password, reinstalled app. Wrote company they said wait 24 hours still having same issue. Can't stop payments, see balance, send money for over a week..
Product: Debt collection

On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . 

I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. 

I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. 

I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. 

Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXXXXXX XXXX XXXX XXXX deliberately with malicious and intimidation sent us written correspondence that our VA Mortgage XXXX had been delinquent and in jeopardy. We contacted our VA Home Loan Counselor through written and verbal conversation by phone to confirm and verify that our VA Home Loan was in good standing. That was by phone on XX/XX/2023. We later found out that they had records of our mortgage loan payments, and no default was found or posted against our loan. We have never missed a payment with this company. XXXX XXXX XXXX XXXX XXXX XXXX stated that they would make sure that our credit rating was going to be affected. Our problem with XXXX XXXX XXXXXXXX XXXX XXXX XXXX did not involve the mortgage loan payments at all, it was an escrow account shortage, and they use this to report the negative and derogatory information pertaining to our creditworthiness and more.
Product: Payday loan, title loan, or personal loan

I was sold almost 25 to 30 solar panels with the advertisement stating that the panels would cover my electric bill. I would get a tax credit when filing my taxes. This has been a nightmare, I have been paying for these panels and The light bill company for a year, That's almost XXXX XXXX dollars a month. Money I do no have, I have called XXXX several times to let them now that these panels are not working. They continue to beat around the bush claiming to be sending some one out to check the panel. No one has come out yet. Our light bill shows the panels are not producing any solar. We have sent them our light bill months ago, no one has came out yet. They will call me for that payment every month, and no one will send some one out to fix this problem. 
I have read how this company has been treating their costumers for years. Everyone has the exact same complaint. And the sad part is looks like the problem can not be resolved
Product: Mortgage

Wells Fargo is currently holding proceeds from my insurance claim in a Mortgage escrow account. Due to a complete loss file we have on XX/XX/year> my insurance company provided a check of {$330000.00} to our name and the name of the mortgage holder Wells Fargo. XXXX XX/XX/year> Wells Fargo issued us a check of {$110000.00} to get started with the rebuild of the house. I have been trying for the past XXXX months to get them to release additional funds in order to continue with the rebuild. I have provided them with details of how the initial {$110000.00} was spent with receipts as well as details of where the additional funds needed will be spent. I have provided Spreadsheets, XXXX Estimates, cost projections and proof of where the rest of the funds will be coming from to complete the rebuild. I keep getting their field inspections denied, because they see XXXX  % progress with the building. I have tried to explain they are not taking into consideration the documentation I have submitted, which includes demolition of the original house, site preparation, land site survey, architectural drawing and services needed, Utility connection fees and temporary services, building permit city fees and flood plain program participation fee 's which all together surpassed the {$110000.00} they provided. The site has been ready to have the Foundation completed and Lumber wood package needs to be ordered and paid for. I will submit to you the XXXX most important documents related to the complaint, but have many for to share if needed. I am current with my mortgage payments and don't understand why Wells Fargo makes this so difficult when all we want to to rebuild and get back into our house. I also do not understand why I can't get XXXX specific case XXXX or contact to discuss this rather I have to keep explaining it over and over to multiple Wells Fargo employees. The only response I get in over regular mail with no solutions. I have had to contract them multiple times with it taking them over XXXX  days to respond by mail. I also have a letter response from Wells Fargo stating that the investor with this mortgage denied the request for release of additional fund or " Exception '' as they call it. I contacted the " Investor '' aka XXXX XXXX and they do NOT show a request from Wells Fargo regarding my request. The lack of attention to my situation is causing me financial hardship as I have not been able to proceed with he rebuild of my home. The funds they are holding are my proceeds of insurance claim, I understand the need to protect the investor, but they are making it impossible for us to rebuild our home with the Wells Fargo method and procedures they have in place. I feel I am being lied to and Wells Fargo has no compassion in my case.
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. 


Account Name : XXXX  # XXXX 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 or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Complaint : I am writing to formally dispute inaccurate information that has been reported by both LexisNexis XXXX and XXXX on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to dispute and demand the correction or deletion of any inaccurate or incomplete information on my consumer report.

Per FCRA 15 U.S.C. 1681i ( a ), upon receiving notice of a dispute from a consumer, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

The information being reported on my file is incorrect and does not reflect my current or accurate status. I request an immediate investigation and correction of these inaccuracies. If you are unable to verify the disputed information as accurate, I demand that it be deleted from my record, as required by law.

Please provide written confirmation of your receipt of this dispute within 5 business days and inform me of the results of your investigation within 30 days, as mandated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

I signed up to get a new credit card on XXXX. The name is Milestone but the actual company is XXXX XXXX in XXXX, XXXX. I read over the terms several times and never saw that there would be an initial fee. I was approved for a {$1000.00} line of credit. I haven't used the card yet, but got a bill on XX/XX/29 for {$250.00}. There was a {$250.00} annual fee and then a {$3.00} " credit protection fee ''. On the back of the statement, it says you can cancel before the renewal so you can avoid paying the renewal fee, but it says, " This does not apply to the initial Annual Fee charged. '' There is also a monthly fee that was not specified when I originally opened the account.
Product: Debt collection

I assert that the reported account is invalid. CAPITAL ONE BANK must verify under oath its validity, ensuring it is free from any claims and defenses, including breach of agreement, failure of consideration, or material alterations. Additionally, CAPITAL ONE BANK must confirm the original lender-provided value. 
CAPITAL ONE XXXX
Product: Checking or savings account

On XX/XX/2022 I deposited a {$200.00} personal check into my Fifth Third bank account the check was drawn on my XXXX XXXX account which is valid I check my account balance before the transaction so I knew I would be overdraft that transaction at that time I had to make a decision to float a check in Order to pay my rent especially since I would be getting paid in a few days and it all would even out due to my paycheck being directly deposited into my Fifth third bank account every week. 

When my paycheck was deposited in my fifth third account it was {$340.00} in the negative that left me with {$140.00} in the positive when I arrive at fifth third to withdraw my money to pay another bill they refuse to give it to me presently my account with Fifth Third is locked and they are refusing me access to my available funds. please help this is unfair.
Product: Checking or savings account

On XX/XX/XXXX, I paid to rent a room while working in XXXX. When I arrived at the landlord 's home, I noticed that she misled me with her hosting profile. I left the unit after staying 2 nights because I felt unsafe. On XX/XX/XXXX, I filed a claim with Capital One Bank for a total of {$2500.00} after the landlord failed to provide services for a room I initially rented for 30 days. I explained this situation to the claims department and received a denial on XX/XX/XXXX. I called back to receive additional information and learned that the claim was submitted inaccurately. I resubmitted the claim with another representative who mentioned he would make a note of that. On XX/XX/XXXX, the claim was denied again. I spoke with numerous reps, with all different explanations, but it appears they refuse to approve the claim because of XXXX 's terms and conditions. However, the funds came from my Capital Checking account, which is also connected to XXXX. The landlord refused to issue a refund. As a result of this, I was forced to file a claim in court against the landlord with a court date set in XX/XX/XXXX. Due to Capital One 's failure to support me as a customer, I had to take matters into my own hands. I am disappointed in the lies and inconsistencies with their claims department. This is fraudulence on the recipient 's behalf and Capital One has done a poor job of protecting me as a customer. I believe something can and should be done about all of this.
Product: Credit card

On XX/XX/year>, I discovered an unauthorized interest charge of {$7.00} on my Discover Bank account statement. I contacted Discover Bank customer service to dispute this charge, as I had not been informed of the specific policies that led to this interest accrual. 

During the initial chat session on XX/XX/XXXX, a customer service representative named XXXX acknowledged the error and assured me that a credit of {$7.00} would be applied to my account within XXXX hours. However, after XXXX hours, the credit did not appear on my account. 

On XX/XX/year>, I contacted Discover Bank customer service again to inquire about the missing credit. A representative named XXXX confirmed that the adjustment had been made but stated that it would take another XXXX hours to reflect on my account. Despite this assurance, the credit was still not applied after the specified timeframe. 

As of XX/XX/year>, XXXX days after the initial promise of a credit, the {$7.00} credit has not been applied to my account. I have contacted customer service multiple times, and each time I have been given conflicting information and further delays. 

It is important to emphasize that this complaint is not solely about the monetary value of {$7.00}. While the amount may seem trivial, the issue at hand is a matter of principle and consumer rights. Discover Bank levied an unauthorized charge due to policies that were not properly communicated to me. Furthermore, their repeated failure to rectify the situation and provide the promised credit demonstrates a concerning lack of respect for their customers ' time and rights. 

This repeated failure to provide the promised credit, coupled with the initial unauthorized interest charge, demonstrates a pattern of poor customer service and a disregard for my consumer rights. I would not dedicate my time and energy to pursue this matter for a mere {$7.00} were it not for the underlying principle of holding businesses accountable for their actions and ensuring fair treatment of consumers. 

It's clear that Discover Bank 's actions constitute a violation of my consumer rights, and this matter will not remain unresolved. I am prepared to pursue all available avenues to ensure that Discover Bank is held accountable for their negligence and failure to provide adequate service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX