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

To Whom It May Concern, Subject : Formal Dispute and Request for Investigation Account # XXXX I am writing to formally dispute the reporting of the account referenced above as it appears on my credit reports provided by XXXX, XXXX, and Equifax. The discrepancies between the information reported by these bureaus, along with Equifax 's documented history of inadequate investigation practices, necessitate immediate attention. 

Key Discrepancies in Reporting : XXXX : Account Status : Indeterminate. 
Payment Status : Payment after charge off/collection. 
Last Reported Date : XX/XX/year>. 
Comments : Purchased by another lender. 

XXXX : Account Status : Indeterminate. 
Payment Status : Charge-off. 
Last Reported Date : XX/XX/year> Equifax : No account details reported for this account. 
Grounds for Dispute : Incomplete and Inconsistent Reporting : The account is inconsistently reported across XXXX and XXXX, with Equifax failing to provide any details. This raises concerns about the accuracy and completeness of the data being reported. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, all information furnished to consumer reporting agencies must be accurate and verifiable. The discrepancies between the bureaus demonstrate that this requirement is not being met. Additionally, Equifax 's lack of reporting on this account highlights a failure to maintain a complete credit file. 

Equifax 's XXXX Investigations : Equifax has a documented history of conducting " sham investigations '' into consumer disputes, including a recent case where the company failed to conduct reasonable investigations into consumer complaints, as required under the FCRA. This calls into question the validity of any automated or cursory reviews Equifax may attempt in this instance.

Resolution Requested : Provide a thorough and detailed investigation of the discrepancies outlined above. 
Verify the accuracy of all reported data, ensuring alignment across all three credit bureaus. 

Remove any inaccurate, unverifiable, or outdated information regarding this account from my credit reports. 

Provide me with written confirmation of the actions taken as a result of this dispute. 
Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If you find that the information can not be verified, it must be promptly deleted or corrected. 

Supporting Information : I have enclosed copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the discrepancies for your reference. 

Failure to address this matter accurately and within the legal timeframe may result in further action, including filing complaints with each state AG and pursuing legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I contacted Wells Fargo on XX/XX/2019 to inquire about the product that I received from them. I was approved for a charge card ( {$2700.00} in credit ) that was useable for two merchants : XXXX XXXX and XXXX by XXXX. When I spoke to a CSR, I was informed that I couldnt use the card for the other merchant, but strictly XXXX XXXX. I was also informed that I couldnt change the product neither transfer/reallocate my credit line because it was a charge card, so I requested them to close the account. Though my account was in good standing and never used, closing my account with Wells Fargo impacted my credit score. I was highly disappointed and dissatisfied with their service. Why would the lender issue me a product that had both retail brands printed on the card itself? Thats false advertisement! Both companies are affiliated and issued by the same bank. I filed a dispute ( same date ) with the credit bureau to inform them in advance that Wells Fargo closed the account by my request. Less than 30 days, I saw remarks on my account that stated consumer disagrees when all I did was close the account due to false advertisement.
Product: Credit reporting or other personal consumer reports

I sent a letter to navy federal regarding my personal information and transactional history on my credit reports. Navy federal is in violation of the privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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 dn open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

My account was forwarded to a collection agency and the charge in dispute was reported late in my credit report which affected my credit score. I was not aware of this charge and has not received statements and notification that the account is delinquent. The events highlighted below all happened in less than 30 days..I acted quickly upon learning the charge and took all the necessary steps to resolve the issue as soon as possible before it affects my credit status. 

XX/XX/XXXX - I received an email from Citibank that I owe {$130.00} due on XX/XX/XXXX from a card that I never used ( I am trying to recall if I activated it or not ). This card was a replacement card after the original card was locked and cancelled because of a fraudulent transaction. I fully paid the balance from the old/cancelled card in XX/XX/XXXX. Since the account has been cancelled, I am not able to access that account online anymore.
XX/XX/XXXX - I called Citibank to find out what that charge of {$130.00} is all about. I learned that it was from XX/XX/XXXX which appeared to be a valid charge ( my husband or I may have pulled the wrong card and used it ) I requested copies of the statements mailed to me. Concern that this will affect my credit standing, I was also told that they have not submitted the account to a collection agency. Meanwhile, I immediately faxed a letter to dispute the penalties and fees that were incurred. I was told that they will investigate and that decision will be made within 30 to 60 days. 

XX/XX/XXXX - I received copies of my statements in the mail and learned that the original charge was for {$24.00} and the remaining {$110.00} were accumulated interests and late fees.
XX/XX/XXXX - Even if the agent told me to call 30 business days later, I was anxious of a resolution and called to follow up so I can settle and pay for the original principal amount. I was told that a decision has been made in the bank 's favor and I had to pay the {$130.00}. I feel like this was not a fair decision so I faxed a second letter dated XX/XX/XXXX and was told again that they will investigate and to wait 30 days after for a decision. 

XX/XX/XXXX - I called to follow up regarding my dispute letter dated XX/XX/XXXX and was told that there is no decision yet. I was told that they have forwarded my account to the collection agency, XXXX. Upon learning this, I immediately checked my credit report and found out that this account has been reported late within this month and affected negatively on my credit report. 

This is a clearly innocent oversight in my part citing my excellent credit history record and the minimal amount involved which I assumed Citibank would be willing to forgive. My request to waive late fees and interests is fairly reasonable since I could have paid the charge on time if I was aware of it. The fact that they forwarded the account to the collection agency less than 30 days before action from both parties had been initiated, aggravated me and prompted me to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX. XXXX Wells Fargo Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I Have been trying to modify an equity line balloon payment issue for 15 months now. I have attached the documentation that I just rec 'd by mail on XX/XX/2016, according to the documents, I need to have these returned by XX/XX/2016, this is not sufficient time, I could not get this there by then. 
Most importantly the agreement does not state the important facts, the interest rate I will be paying, whether the loan is a fixed rate or variable, the payment, or amortization schedule, and there is a capitalized amt, I have paid the int. pmt on this every month, never missed, never late.
Product: Debt collection

Bank of America used my checking and savings, processed illegal wire transfer from my accounts to accounts that I dont know. They used abusive languages and created fake accounts stating that I have been borrowing money from the bank, the banker who did that is XXXX XXXX in cooperation with his manager, from XXXX XXXX branch. They closed my cash management debit card that had XXXX XXXX dollars without wiring the funds to another account or creating a new one. I asked their subsidiary XXXX XXXX to send me a cash management debit card, but they did not reply. They keep on sending me supposed cash rewards credit cards with a credit limit of XXXX XXXX and an automated robot that blocks my activities.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft and my bag was stolen as well as other items with important information on it. I informed Company and was then told they are not refunding me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to TransUnion regarding inaccurate, unauthorized or fraudulent information being listed on my credit report. They have failed to properly and legally investigate my disputes going as far as sending letters stating that they don't believe the disputes are coming from me or an authorized party on my behalf. I sent the letters and request both certified mail and first class mail. I've been sending disputes since XX/XX/XXXX with the last certified letters being delivered to TransUnion on XX/XX/XXXX according to my tracking information. They are in direct violation of the FCRA and these matters need to be resolved immediately. I have attached copies of my last dispute as well as their response to it. I have also included the FTC Identity Theft report I attached to the disputes.
Product: Debt collection

Convergent Res called to say I owed money on a XXXX XXXX account. XXXX XXXX is no longer a banking institution nor has it been for a long time. Additionally, I have never had a XXXX XXXX account or any of their banking products. 

After telling the company the aforementioned, I was asked to provide Personally Identifiable Information ( PII ) in order for them to place me on their " do not call list ''. Asking for PII is highly illegal, especially after I 've told them they have the wrong person.
Product: Mortgage

TO SPECIALIZED LOAN SERVICING, AFTER MANY ATTEMPTS TO GET YOUR SUPPORT, WE WERE MET WITH DISRESPECT, AVOIDANCE OF THE CRITICAL ISSUES WE BROUGHT TO YOUR ATTENTION AND RESPONSES NOT RELATING TO THE REQUESTS THAT WE MADE. THERE IS NO DOUBT YOU HAVE AVOIDED THESE ISSUES. WE ARE FACED WITH PROTECTING OURSELVES AND OUR FAMILY AFTER DISCOVERING WHAT REALLY HAS TAKEN PLACE. 

SEE ATTACHMENT ENCLOSED!
Product: Money transfer, virtual currency, or money service

Hello, this is in reference to case numbers XXXX and XXXX. I would like these transactions disputed and my money returned back to my account. I have yet to receive these orders after countless times of reaching out to both companies, XXXX and XXXX to clarify that. Its been three weeks now, going on three and still no package nor any help on how to retrieve my lost packages!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and found a collection account reported from XXXX & XXXX XXXX for a pay day loan in {$250.00} placed under my information. This does not belong to me and I haven't had any pay day loans and therefore needs to be removed off my credit report. 
I've called them and they refuse to provide any information.
Product: Credit card or prepaid card

On XX/XX/22 I received a text message from ( XXXX ) XXXX FreeMsg : From Fifth Third Bank : Did you attempt {$580.00} at XXXX  Shopping Center? Reply YES or NO. If YES, you will not be charged unless you try again. If NO, we will mark this transaction as fraudulent. Msg & data rates may apply. 

I have never even heard of this bank or filled an applications with them. I would like for you to investigate the credibility of this bank themselves! Thanks
Product: Mortgage

US Bank - mortgage with this bank - XX/XX/19 - made payment of {$3000.00} via bill pay from my bank to US Bank ; they applied that to the principal on XX/XX/19 - US bank drafted payment of {$1200.00} on XX/XX/19 and applied to the principal and interest ; then reversed it on XX/XX/19 ; I cancelled auto draft on XX/XX/19 and USbank was not authorized to draft the payment anyway and thats why I mailed {$3000.00} payment ; - bank says {$1200.00} was applied but it is not in transaction history ; this was additional payment which was never applied to the principal - USBank now denies refunding additional payments
Product: Credit card

I had a checking account and credit card with HSBC USA. In early XX/XX/2015, I called HSBC USA to cancel all my accounts with them. They closed only the Checking account, and left the credit card opened. As a consequence, a remaining balance of a few dozen dollars was on my card a few months before I realize it. I had automated payment from checking to card, but after they closed my checking, no payment arrived on the card account. 
HSBC USA never contacted me about the card account. I contacted them many times, but since I closed my bank account with them, they did n't want to help me and correct there mistakes. 
As a consequence, I have a delinquency posted on my report that cost me a lot.
Product: Mortgage

Please see attachment titled : " Fraudulent Foreclosure Fees and Fraudulent Foreclosure by JP Morgan Chase against another Homeowner '' Complaint # XXXX This company continues to cause XXXX on this XXXX XXXX citizen. They refuse to remove the fraudulent foreclosure. They are now endangering my Reverse Mortgage due to the fraudulent fees they have added to my loan of over {$7000.00}. 
Please see attachment for further information on this complaint # XXXX. 
Thank you.
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 "
Product: Prepaid card

On XX/XX/XXXX, my social security was deposited and I couldn't get it out in its entirety. The identity theft person kept changing my pin and they ended up taking my money, basically {$1400.00}. I took out {$600.00}. The daily limit was met, there was about {$800.00} left. I called Netspend and I told them what happened and they wouldn't let me transfer the rest of my money out. So the thief took the balance out later that day and the next day. I couldn't access my account. The identity theft people kept changing my pin, email, security questions and password over and over. The bank wouldn't freeze my account. I begged them over and over to freeze it. I asked them why they didn't freeze it because of all the unusual activity. Who keeps changing all this access information? I've been a customer since XXXX. I have sent the bank at least XXXX emails, gotten a police report, contacted the FTC, FBI and I provided all of this information to the bank. The dates my money was withdrawn are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I asked the bank repeatedly to freeze my account. They didn't. I told them several times to do this. I even reset my security question, the thief changed that. Then I was unable to access my account because they changed EVERYTHING and they were going to send an access code to the fraudulent phone number. I was so upset. They had essentially stolen my account, and the bank let them. This money is what I live on. I'm very upset, to say the least because I had to prove everything over and over again. The customer service people wouldn't let me speak to a supervisor, and nobody would let me know the dispute departments phone number or email address. I was passed on from one person to another and it was obvious to me they were trained to deflect people from finding out specific information. I believe this bank acted in an illegal manner, in my opinion. I want my money back with none of the flimsy excuses and I need it ASAP. I need my medications. I have several illnesses, serious ones. This has caused me so much stress I can not eat or sleep well. I just want/need my money back and I want to be done with them. False promises and their excuses ... they can keep them.
Product: Debt collection

Was renting a apartment for a few years. I am diabetic and couldnt work anymore cuz my feet and knees were hurting very much. I didnt owe no rent it was up to date. But they argue about me not turning in a 2 month notice ahead of time. I wasnt able to work anymore and not afford the rent so I moved out.
Product: Checking or savings account

*Deposited a check for {$40000.00} from the US Treasury for XXXX XXXX on Monday XX/XX/XXXX at NFCU XXXX in XXXX XXXX XXXX 
*Received a receipt, notification from the NFCU app, and talked to a rep over the phone stating that the funds should be available by Wednesday XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX PM I receive email stating that my deposit is being delayed *I contact NFCU on Friday XX/XX/XXXX at XXXX XXXX in regards to my delayed deposit and was told that the funds are being held because the check never cleared. The issuer of the check hasn't sent to funds to back the check. 
*I contact NFCU on Monday XX/XX/XXXX at XXXXXXXX XXXX in regards to my delayed deposit and was told that the funds are being held because the check never cleared. I request and explanation and was told to contact the XXXX at XXXX XXXX XXXX 
*I contact the FRB XXXX Monday XX/XX/XXXX at XXXXXXXX XXXX  in regard to my delayed funds and to file a complaint. I provide my financial institution information and voice my complaint. I am instructed to contact the CFPB. 
XXXX XXXX the XXXX XXXX Monday XX/XX/XXXX at XXXXXXXX XXXX and request information to payment and check processing. XXXX verifies that the check issued on Wednesday XX/XX/XXXX and the check has been reconciled and cleared. XXXX states that the holding of the funds must be something internal to my financial institution because the funds should be available to me and that I should contact NFCU and find out what's the hold up. 
*I contact NFCU on Monday XX/XX/XXXX at XXXXXXXX XXXX in regard to the delayed funds and provide information from my prior SSA XXXX in regards to the check being reconciled and cleared. NFCU states that there are a number of reasons for the check to be held, cites processing errors and fraud as likely reasons. 

XXXX contacted the CFPB on Monday XX/XX/XXXX at XXXXXXXX XXXX to file this formal complaint against NFCU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have accounts on my credit that do not belong to me, the company 's say they do belong to me, and said they have proof when in fact they dont my info witch is my ID and SSN dont match what they have.