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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

PLEASE BLOCK AND REMOVE Please promptly remove the unauthorized inquiries from my credit report. I did not approve them, and they are causing me significant XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute discrepancies I have identified on my credit report. Upon reviewing my report, I noticed inaccuracies related to late payment entries. These entries are incorrect and are unfairly affecting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As your company is a consumer reporting agency and I am the consumer, I have the right to ensure that my private information is handled responsibly and not shared improperly.

This is further supported by 15 USC 6801, which establishes : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Additionally, under the Fair Credit Reporting Act and the Privacy Act of XXXX which safeguard the accuracy, security, and confidentiality of consumer information, I respectfully request that you investigate and address these inaccuracies. 

Below are the specific details of the discrepancies : Creditor Name : XXXX XXXX  Account Number : XXXX Dispute : Under 15 USC 1666b - Timing of Payments, this account should reflect a status of " Never Late. '' I have enclosed a copy of my credit report with the errors highlighted, as well as supporting documentation to substantiate my claim. I kindly request that you correct, modify, or delete the inaccurate entries as appropriate. 

Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. Please provide written confirmation of the outcome of your investigation and an updated credit report reflecting the corrections. 


Thank you for your prompt attention to this matter. I trust that you will ensure the accuracy of my credit information and uphold my rights as outlined by the FCRA. 


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

I am writing to dispute the mixed credit report that Equifax has caused by inaccurately reporting my credit information. On XX/XX/2020, I notified Equifax via fax of my name change due to marriage and receipt of my new name was acknowledged by an Equifax agent via telephone. 

On XX/XX/2020, XX/XX/2020,XX/XX/XXXX, XX/XX/2020, XX/XX/2020, I notified Equifax The inaccurate merging of my credit information, such as my name change from XXXX XXXX XXXX to XXXX XXXX XXXX is inaccurate because when myself or a credit lender attempts to request my credit file with your agency, we each receive the same error no data available. 

On XX/XX/2020, I requested an online credit report with XXXX  IXXXX under XXXX XXXX XXXX and my Equifax credit reported no data. 
On XX/XX/2020, I requested an online credit report with XXXX XXXX under XXXX XXXX and my entire Equifax credit reported all of my current file. 

After months of multiple calls and faxes, my Equifax credit report has reported inaccurate information on my credit report for 4 months ( XXXX - XX/XX/2020 ) from my current lender XXXX XXXX XXXX, resulting in inaccurate credit score. 

Enclosed are copies of error messages from XXXX and letters from lenders unable to access my Equifax credit file supporting my position. I have retained an attorney to provide assistance with this on-going matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS ALLOWED INFORMATION TO BE REPORTED TO MY CREDIT FILE. I HAVE ATTACHED A COPY OF MY REPORT THAT PROVIDES ME WITH NO CONTACT INFORMATION OF THE CREDITOR, WHO REPORTED IT AND THEIR INFORMATION. 

VIOLATION OF THE FDCPA REGULATION F LAW
Product: Debt collection

XX/XX/year>, I mailed a certified letter to PORTFOLIO RECOVERY ASSOCIATES , LLC requesting the validity of the alleged debt they claim I ole. After not receiving any response. I mailed a second certified letter, on XX/XX/year> requesting the same information a validation of the debt. PORTFOLIO RECOVERY ASSOCIATES, have yet to respond to my request. Therefore, XX/XX/year>, I have mailed PORTFOLIO RECOVERY ASSOCIATES another letter requesting the validity of the alleged debt with original copies of information requested.
Product: Checking or savings account

I closed my Chase business checking account around XX/XX/XXXX. The customer service staff confirmed it was closed over the phone. Prior to this, I had moved all my recurring subscriptions to use another checking account debit card at another bank. 

I later received a letter from Chase that my account had been overdrawn which couldnt have been possible seeing as it was closed. Upon researching, I discovered that Chase had not fully closed my account and instead had been charging monthly service fees fraudulently as well as allowing a debit transaction in the amount of {$8.00} on XX/XX/XXXX and an insufficient funds ( NSF ) fee for {$34.00} on the same date. I expected that if there were any online recurring subscriptions that they would be declined since the account was closed. 

On XX/XX/XXXX, I contacted Chase by phone to resolve the issue and I paid {$9.00} which included an additional debit transaction of {$0.00} on XX/XX/XXXX in order to settle the account. Chase had told me they would refund the monthly fees and the NSF fee which they did. They also confirmed the account was closed finally again, however that was not the truth as the next day ( XX/XX/XXXX ) there was another debit transaction which should have been declined and was not. Chase continued allowing the account to remain open and charged another NSF fee and monthly service fee. I have documented evidence that shows deception and fraud from Chase. I previously reported this in XX/XX/XXXX and was lied to in the last correspondence.
Product: Money transfer, virtual currency, or money service

Earlier this year in XXXX, the WePay by J.P Morgan company decided to stop processing payments for my business, after this they stated that all the funds in my account would be placed on hold for 120 days. I appealed but was denied and waited the full 120 hold period. The period ended on XX/XX/XXXX, I then reached out and was told to submit a wire transfer form so they can send me the funds. I did this and sent over the form on XX/XX/XXXX. Now here we are in XXXX and I am being told I may not receive my funds for another 60 days. Which at that point it would be 8-9 months since my funds were originally held and is far beyond the legal holding period. I am not receiving and help or service from WePay, as I have asked numerous times to speak on the phone with someone which was denied. I have no answers as to how or why they are continuing to withhold my funds from me.
Product: Checking or savings account

SunTrust bank Overdraft fee charged on XX/XX/2018 Called the customer service line Called dealt with 2 agents and 1 manager, all claiming they could not help with overdraft fee. Website clearly stated in terms and conditions *5 Overdraft and returned-item fees waived three per rolling 12 months. 
Not one of them said that was their terms and conditions, when the manager finally found what I was referring to, he told me that is only for the Signature Checking account and that it was only for 2 fees returned. I explained that it does not say that anywhere on the website and he said well I will pass along as feedback that its is wrong. He said he would not be helping me.
Product: Credit reporting or other personal consumer reports

XXXX Card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Urgent Request to Review and XXXX XXXX under FCRA XXXX XXXX, Truth in Lending Act, and IRS XXXX Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( XXXX ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction may have further implications for both tax reporting and compliance. 

According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This may include a charge-off on their financial records. 

If you have reported this account as a charge-off or have ceased collection efforts, you may be required to issue a Form XXXX to both the IRS and myself, XXXX that the debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within XXXX days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Product: Student loan

I had 2 direct consolidated loans. Both of these loans are part of sweet v cardona. EDFinancial removed one of these loans. According to them they can not see this loan they have no information on it. Because of this they can not give me the refund owed on it. I dont know why they removed it. I dont know who told them to cancel it. But I am owed around a $ XXXX refund on this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$5900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$12.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXY XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I got a scammed out of money from a scammer who said they were Wells Fargo. I had called back Wells Fargo about the case and they told me it didnt exist. They had to make me a new account and made the claim of fraud. They found that since I still accepted the transfer, they closed my case. They said they can not help me furthermore. I have a XXXX XXXXXXXX XXXX XXXX XXXX and need the money. And theyre not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Product: Mortgage

Illegal seizure and sale of XXXX XXXX and XXXX XXXX XXXX personal property XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has incorrectly reported a late payment for XXXX of 2021. My vehicle and its loan was sold to the XXXX dealership as a trade in for another vehicle at the end of XXXX. The dealership paid off the loan balance in full then in XXXX I received a overpayment refund check from XXXX XXXX. The report statement is inaccurate. I have visited a branch manager who confirmed that the report is inaccurate, as well as submitted 3 disputes through both Experian and XXXX XXXX 's internal dispute center each time with more information, yet the decision has remained the same. This needs to be removed as it is illegal to report inaccurate information on my credit report.
Product: Checking or savings account

These are the mediation documents that we received from Wells Fargo that we are attaching to this complaint. We dont trust Wells Fargo Bank XXXX They have constantly lied about their actions to resolve our financial problems with them. We send information about the problems and they dont respond with any kind information about our problems. Keep denying the problems that exist. We have been paying on the mortgage since they placed the account in forbearance and the loan amount has not changed since the original loan was done. This is so frustrating and unfair. They sent us checks which does not explain why and what they are trying to pay us for. Just one lie after another. Claim that I went through mediation back in XX/XX/year>. At which time the mediator clearly stated that she was qualified to mediate mortgage or heloc loans yet Wells Fargo continues to refuse to admit the fact about this matter. My wife has been trying to figure out how Wells Fargo able to have information removed from my XXXX account. Now I dont have access to my credit report for this company. Something is tremendously wrong here.
Product: Vehicle loan or lease

Good Evening i purchases a used XXXX  XXXX XXXX with a loan obtained through ally financial in the amount of {$16000.00} at 19.6 apr for 72 months with a prepayment penalty. They said they would not change the contract. I understand that it is illegal in all 50 states to put in a prepayment penalty on a auto loan greater than 61 months. THank you
Product: Credit card

I have been a cardholder since 2011. I have a {$2000.00} credit limit, recently I 've had a balance of around {$700.00} because I just recently moved, bought home stuff, and switched jobs. This month, I never received my statement online but had contacted them on XXXX to make arrangements, as I was unable to make my payment due to health issues and recent difficulties. My payment was due on XXXX XXXX, I called and spoke to a representative on the XXXX. I said I was not able to make my payment until XXXX XXXX. He said he would keep my account on his " personal queue '' to ensure I did not receive a late fee, and that no damage would occur to my credit as I had called to make previous arrangements. He was professional, curt, and empathetic. Cut to today, XXXX XXXX, I received next months statement with a {$27.00} late fee and a notification that my credit limit was being cut to {$800.00} - a {$1200.00} decrease! I spoke to a supervisor who said she could not do anything to restore my credit balance or waive my late fees in full, she could only waive half of them, as I have had a late payment in the past. I reminded the supervisor that the credit limit decrease would DESTROY my credit score, and she said it was not her issue, as it was a decision based on my late payment and my credit history. I got onto my CreditKarma and my credit score had went down XXXX points on XXXX XXXX due to an increase in credit utilization, because i lost {$1200.00} in credit limit! I was on the phone with them for 57 minutes while they ping ponged me around. Yes, it is your issue. I 've been a loyal customer for the last 5 years, I 've sworn by their services and you just lost that. Awful customer service, no one can speak good XXXX, no one cares about promises that their representatives make, and they obviously do not care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, I XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized CURACAO Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

This has been an ongoing dispute with Capital One bank since XX/XX/XXXX. 
After noticing a {$3500.00} withdrawal from my account and notifying Capital One of this fraudulent transaction, I received a letter dated XX/XX/XXXX stating that this was a valid transaction and that my claim was being denied. ( I closed the account on XX/XX/XXXX. ) The letter also gave a number to call to " request any documentation we used to make this decision ''. After numerous attempts to get through on this number and 45 minutes on hold finally got to speak to a person. My request at this time was to be sent all documents used to determine their decision which " denied the claim of fraud ''. 
After 23 minutes on the phone and supplying all requested information i.e. account number, personal info and claim number was told this information would be mailed to my home address. After one month had passed and I still had not received requested documents I enlisted the help of my niece who was able to find an e-mail address for complaints and sent another request for documents through this Capital One complaints email address. Finally received by mail another " denial of claim '' letter dated XXXX XXXX which included a list of transactions from someone's bank account showing how my money was moved into their account. However, it did not include the most important information which should be the only reason to deny my claim and that is the " signed authorization '' indicating that I gave permission for someone else to use my account. This obviously does not exist. 
After numerous other calls, emails and faxed correspondence I was sent an affidavit to sign stating that I never gave anyone permission to access my account. Signed and faxed this form the same day and called to confirm and was told that it was in fact received. It has been three weeks since I sent this document and I still have not had a response. 
All information, including account statements, previously sent and received correspondence, etc can be provided on request. Please note that I am a XXXX XXXX XXXX man in poor health and do not need this ongoing stress. I am hoping you can assist in getting my money back from Capital One bank. Also of note I made many personal visits to numerous Capital One branches over these past few months and was unable to get help from anyone. Thank you in advance for your assistance.
Product: Vehicle loan or lease

I have attempted to reach out to Santander in reference to balance showing owed. I have yet to receive information reflecting current balance. This account has been paid