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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

account on my credit report, despite confirmation from the respective bank to remove it. This failure to comply with the law undermines consumer protection and erodes trust in your services. 
I demand immediate action to rectify this situation. 
XXXX XXXX XXXX  XXXX
Product: Credit card

wells fargo credit card On XX/XX/year>, I visited XXXX XXXX in XXXX, FL. They were offering a membership that included XXXX facials every month, plus products. I attempted to purchase the package and provided them with a Wells Fargo credit card, which they used twice, and I signed. They then informed me that the transaction didn't go through and requested another credit card. I provided them with a XXXX ATM card. Ultimately, they used both of my cards and charged me on both. 
Then I realized these people were trying to scam or rob me directly. I decided not to purchase the membership or the products. I informed them to cancel everything, and they agreed, assuring me that no charges would be incurred as the transaction had not gone through anyway. 
However, the charges went through, and I was billed for a membership I did not agree to purchase and for products I never received. I called the credit card company the same day to inform them of the situation, and they assured me not to worry. But now, they are asking me to pay. I really need assistance with this matter. 
thank you, XXXX XXXX. ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$820.00} Balance updated XX/XX/XXXX Recent payment Delete account. Never open or had XXXX XXXX XXXX. Contacted company violation of FDCPA law by not reading my rights and threatening if not paid
Product: Credit card or prepaid card

As a Chase card holder, there is this new " benefit '' called stored cards. This is where Chase somehow decides which vendors should be updated when a cardmember has had to change credit card accounts due to fraud, theft or loss. Mind you, the customer has no input into which vendors are on this list - there are vendors on my stored cards list I have only ever transacted with XXXX time. The issue is there is no path or recourse to the customer to REMOVE a vendor which Chase has decided to place on the list. So not only can I not indicate who I would want on this list- if indeed I actually wanted a list of vendors updated about my having to change cards- but there is no XXXX way for me to initiate having XXXX of the vendors removed. I have no idea what criteria Chase used to decide on the vendors, if the vendors were vetted ... no one even asked me if I wanted this XXXX service, but I am forced to have it and am stuck with it and the vendors that Chase decided should be kept aprised of my financial account changes. I not only don't need Chase making these decisions for me, I don't want it but am told there is no way to remove this " benefit ''.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records. Please remove these items. 
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 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 reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed. 

Details of the Complaint : - Account Name : XXXX XXXX XXXX - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to Southeast Mortgage in 2023 - Nature of the Issue : XXXX XXXX XXXX continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing.

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. XXXX XXXX XXXX is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report. 

The negligence displayed by both XXXX XXXX XXXX and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

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

I submitted a letter to the TransUnion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : XXXX
Product: Debt collection

XXXX XXXX recently has been calling me and mailing letters to my mothers address regarding a debt from Synchrony Bank. I reached out to this company via email on multi0le occasions furnishing them with a FTC letter pertaining to this fraudulent account. They have ignored the information given and continued to harass me with multiple daily phone calls and letters mailed to an address I have not used in over 25 years.
Product: Debt collection

I am receiving notification that I have a XXXX XXXX debt that I do not owe. It has been placed on my credit report and the debt collector has asked me to pay a settlement amount in which I do not owe. I have not paid it or agreed to pay it. Client services is the agency asking me to pay from {$270.00}.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX "
Product: Credit card or prepaid card

Ridiculous that in the midst of the coronavirus pandemic Wells Fargo limits the number of online transactions/payments that you can make on the Wells Fargo website. I tried to make a payment to my Wells Fargo credit card account and got an error message stating that I've " exceeded the number of online payments for the month. '' I subsequently called to attempt to make a phone payment and was disconnected. I will go into the branch to make the payment which I would prefer not to do because coronavirus cases are surging in my geographic area. 

It should be noted that my payment is not late. I am trying to make an extra payment so that I can pay off the balance in full within the next few months. 

Wells Fargo is the only credit card company that I'm aware of that limits the number of online payments.
Product: Credit card

I am disputing the collection account with XXXX XXXX XXXX  account number XXXX, dated XX/XX/year>, with a balance of {$460.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXXXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations of consumer protection laws, as well as to share a deeply personal story that underscores the emotional and practical impact these violations have had on my life. I trust that the Consumer Financial Protection Bureau ( CFPB ) will take this matter seriously and enforce the necessary legal actions to rectify these issues. 

As a diligent and responsible consumer, I have taken great care to maintain accurate and truthful financial records. However, I have encountered numerous discrepancies on my credit report that are not only in violation of federal laws but have also adversely affected my financial stability and overall well-being. 

Violations : Inaccurate Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX, CA XXXX Unauthorized Inquiries : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Questionable Account Information : Creditor : XXXX Account Number : XXXX Creditor : XXXX Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXXXXXX XXXX Account Number : XXXX Creditor : XXXX Account Number : XXXX Personal Story : The inaccurate information on my credit report has caused me profound distress and financial hardships. This situation has affected my ability to secure favorable interest rates on loans, obtain housing, and even pursue job opportunities. One particularly distressing incident involved my inability to secure a mortgage for a home my family had been dreaming of. Due to the erroneous data on my credit report, we lost out on a chance to provide stability and security for our children. This emotional turmoil has taken a toll on my mental well-being and has strained my relationships as well. 

Request : I urge the CFPB to enforce the relevant consumer protection laws and ensure that my rights are upheld. In light of the violations mentioned above, I request that the creditors immediately remove the unverified accounts from my credit report and provide written confirmation of their compliance within 30 days of receiving this letter. Additionally, I request a free copy of my updated credit report once the corrections are made. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any further information or documentation to proceed with this dispute. 

Thank you for your prompt assistance in resolving this distressing situation. 

Sincerely, XXXX XXXX
Product: Debt collection

Company ERC XXXX XXXX XXXX has an account under collections that i did not know about until i checked my credit report. Im not sure how long it has been there. The account was dropped from my XXXX  recently but not dropped from my XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am formally requesting this letter to update the following accounts 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 be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX XXXX. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on my credit report.
Product: Student loan

I filed a complaint with CFPB ( COMPLAINT ID XXXX ) on XX/XX/XXXX and shortly after, my complaint was sent to Mohela for review and response. 

On XX/XX/XXXX I received my first billing statement from Mohela since the transition from the prior servicer in XX/XX/XXXX. I am attaching that billing statement. I wrote Mohela the same day to notify them that the billing statement is incorrect. Also, on the same day, I removed autopay and my checking account information from the website to prevent additional unauthorized payments. Doing this means I have lost the benefit of a lower interest rate. 

The billing statement has many " mistakes '' that will benefit Mohela/gov ( additional or higher payments and a higher interest rate when consumers remove their accounts from auto-pay ), while placing a lot of borrowers in bad financial situations. It is putting it mildly to say that it would be difficult for me to have a second autopay of {$420.00} withdrawn from my account on XX/XX/XXXX after the unexpected and much higher than auto-payment of {$420.00} that was withdrawn on XX/XX/XXXX, which was only supposed to be a {$44.00} payment ( see previous complaint for a screen shot of my account summary on Mohela 's website ). To be clear, I have never authorized any additional payments to be withdrawn from my account.
Product: Checking or savings account

I signed up with Wells Fargo in XX/XX/year>. I made sure I signed up for overdraft so that accounts could possibly be paid if my balance is less than the amount presented. I'm on a fixed income and bills sometimes exceed my balance, thus the reason for having overdraft. Wells Fargo has constantly declined payment with explanation : '' It's at the bank 's discretion. '' I've called continuously for an explanation for all declines every month since my account opening. What is the criteria for declining payment if I have overdraft. No one explains why and all repeat : '' It's at the bank 's discretion. '' This is why I'm writing to you. It is a misrepresentation and borders on fraud. How do you offer what is never applied. I am frustrated and need answers.
Product: Credit reporting

Transunion is incorrectly and illegally reporting my XXXX Bank installment account as a bankruptcy. I have never filed bankruptcy and XXXX and XXXX arent reporting a bankruptcy they are reporting it correctly. SEE ATTACHED CREDIT REPORT PAGE
Product: Credit reporting or other personal consumer reports

Company failed to give results of investigation and and placed accounts on hold after receiving ftc identity theft statement.

I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Despite my previous requests for validation of this debt, you have failed to provide the necessary documentation to substantiate its legitimacy. I have given ample time and opportunity for this collection to be verified, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. 

This debt must be removed from my credit report immediately. If it is not removed within the next 30 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. 

Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The following issues are incorrect : : - payment history history and amount - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been since XX/XX/2022 and XXXX XXXXXXXX XXXX is still reporting negative items to to Experian credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - Credit Limit