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

I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my rights to privacy 15 USC 1681 ( a ).
Product: Credit card

The cards benefits is no foreign fees however some appeared. I tried calling again and asked for an agent. Went on the menu over and over in XXXX and XXXX. The system is set up to hang up. This most end. Customers must have a way to reach a human without any issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies and violations of consumer protection laws that have significantly impacted my credit report. I am seeking your assistance in rectifying these issues and upholding my legal rights as a consumer. 



ALSO KNOWN AS : XXXX, XXXXXXXX XXXX  DATE OF BIRTH : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX Creditor : XXXX XXXX Violation : Inaccurate Reporting under 15 USC 1666B Creditor : XXXX XXXX Violation : Inaccurate Reporting under 15 USC 1666B XXXX OF BIRTH : XXXX CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, CA XXXX XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I assert my rights under applicable consumer protection laws and regulations. Specifically : Violations of 15 USC 1666B : I have identified instances where late payments were inaccurately reported despite my consistent adherence to payment terms. These actions are in violation of the aforementioned statute. 

Unauthorized Inquiries : Unauthorized inquiries were made into my credit report without my consent, violating my right to control who accesses my credit information. 

These violations have negatively impacted my financial standing and have caused undue emotional distress. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and ensures that the relevant creditors take immediate corrective action. 

I kindly ask that the unverified and inaccurate accounts be removed from my credit report. This will allow me to restore my financial standing and pursue a brighter future. 

Enclosed, please find supporting documentation for my claims. I am fully committed to cooperating with any investigation or inquiry that may arise from this dispute. 

Thank you for your timely attention to this matter. I eagerly anticipate a resolution that will alleviate the burdens I have endured due to these inaccuracies. If further information or clarification is required, please contact me at [ your email address ] or [ your phone number ]. 

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

Pursuant to the FCRA, the following accounts listed below are in violation of my rights. 

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  15 U.S.C 1681 section 602 A states I have the right to privacy and I'm invoking that right. 15 U.S.C 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Since I know instructions were not given then this is now considered fraud. I am requesting the deletion of all accounts listed above.
Product: Credit reporting or other personal consumer reports

Loss job due to medical XXXX- had credit protection insurance with Credit Card company which I understood such claim would be covered - my claim for benefit was not processed nor were any fees returned as I paid for a credit product they did not assist with - XXXX claim took several months for determination and receipt of XXXX benefits to pay back credit card company. Due to the number of fees applied and increase accrued credit card company charged off balance and written off as profit/loss - Please update each of the three major credit bureaus to reflect XXXX balance. Provide me a 1099-C for debt cancellation.
Product: Money transfer, virtual currency, or money service

I tried to withdrawal approximately {$4300.00} usd on XX/XX/XXXX. After reaching out to determine why I am unable to, I was advised that fraudulent activity took place on my account. I was unaware of this and have yet to see any proof that there was fraudulent activity. The only digital currency I currently hold is XXXX. Crypto.com stated that there was a {$3500.00} transaction for XXXX. There are no eth funds in my accounts. Crypto.com is restricting me from accessing any of my funds. Even those that exceed the amount of {$3500.00}. I am requesting that this be further investigated. I have offered to supply statements showing that I did not make that transaction and do not feel it is legal for them to hold additional funds. 
As of XX/XX/XXXX, the company is asking me to reach out to a bank that I do not bank with. That bank will not provide me with any information for that reason. Crypto.com did not address the concerns of how they are allowed to keep my funds from me. They are keeping me from an asset that is not XXXX, nor is it the amount mentioned. There have been times my shib exceeded the value they are specifying and they still kept my funds from me and stealing my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXDept Of Ed Account # XXXX XXXX XXXX Systems Account # XXXX has violated my rights.

15 U.S.C. 1681 SECTION 602A. States I have the right to privacy 15 U.S.C. 1681 SECTION 604A. SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had XXXX  days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has XXXX  days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX oes not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You are in direct violation of The Fair Credit Reporting Act XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I have had a credit card with Wells Fargo since approx XXXX. Sometime in XXXX I was attempting to add an authorized user to the card. I went to remove this secondary individual and was advised by Wells Fargo that I could not do so without closing the card. I never added the person as a secondary card holder - only as an authorized user. I have been contacting Wells Fargo about this issue since XX/XX/XXXX. I was assigned a case manager XXXX and she was suppose to follow up. I haven't heard from her in over a month. I have asked over 15 times to be provided copies of documents that prove that I added the person as a secondary card holder - not just as an authorized user and I have been told on many occasions that the documents will be sent to me. They have never sent me any records. I just recently THIS week received a letter from Wells Fargo advising that they identified that the secondary card holder was not enrolled in the rewards program and they were going to add the person. The other person never made a single transaction on the account. The card/account were solely used by myself. I am taking full responsibility for the balance and Wells Fargo refuses to remove the other person despite not showing me any proof that they should continue to exist on the account in the first place. I contacted Wells Fargo through XXXX on XX/XX/XXXX. They called me today and the person that called said they would need to get the credit card executive team on the line and to please hold for 1-2 mins. I stayed on hold for over 20 mins before hanging up in frustration. This is not the first issue I have had with Wells Fargo yet I continue to try to give them the benefit. I am done trying. I have no reason to believe that they didn't add the person as a secondary fraudulently to boost their sales numbers as I know they have received previous allegations of.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with Chase Bank was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get Chase bank to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.
Product: Mortgage

TO CFPB Management : Hi, I am very disappointed by incompetence and complete disregard by SunTrust Mortgage, while servicing my loan. I was contacted by SunTrust Mortgage about necessary flood insurance coverage for my property. However, although I provided all information about my own flood insurance coverage through my condominium, they still insisted on buying their insurance. 

When I contacted a Customer Service representative XXXX XXXX and told her that my Principal Loan Balance is {$76000.00} $ and my own insurance coverage is {$82000.00} through XXXX, which meant that I am in full compliance by FEMA requirements ( see below ), she promised to open a research case and get back to me in three days by personally calling me. 

A week has passed and XXXX XXXX did not call me to provide any status update on the research. When I called myself, some other associate responded and said that research concluded that you need XXXX imposed flood insurance. When I asked to provide me the grounds for such an additional coverage, she failed to provide them and referred again to a conclusion of the Research Department. When I told her to go on the FEMA web-site and pointed to the requirements ( see below ), she said that they would need to open another research for that. 

Please assist with resolving this case for me to get the refund for unnecessary insurance coverage and completely remove that imposed flood insurance coverage from my account. 

I attached my flood insurance coverage from XXXX, my loan information and FEMA requirements for flood insurance. 
The amount of flood insurance coverage required by the Flood Disaster Protection Act of 1973, as amended by the National Flood Insurance Reform Act of 1994, is the lesser of the following : 1. The maximum amount of NFIP coverage available for the particular property type, or 2. The outstanding principal balance of the loan, or 3. The insurable value of the structure.
Product: Debt collection

The following agency is not bonded in the state of Texas and can not legally collect debt.   Account Resolution Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is against flagstar they are breaking facra fair and accurate credit reporting act reported last activity after my car was charged off, i had called loan and told them to come and get car and they waited three weeks to come and take car also on credit report it showing active and showing that last activity was XX/XX/XXXX but they actually took car in XXXX but they finally got car in XXXX, ,i paid all payments on time and voluntary let car go back do to hardship. i was told that case was closed but they still have it open and dates are all wrong they need to correct the dates cause im trying to buy a house now and the date XXXX needs to be changed to correct date... they sold car XX/XX/XXXX after they came and got it in XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and Experian has failed to fully comply with FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the removal of all fraudulent accounts from my credit report within four ( 4 ) business days upon receipt of proper documentation. 

I first submitted my dispute on XX/XX/XXXX, providing all required documentation, including : FTC Identity Theft Report Government-issued ID Proof of Address Detailed Dispute Letter After no action, I followed up via phone on XX/XX/XXXX, and was falsely informed that Experian had not received my documents. To ensure compliance, I resubmitted my dispute on XX/XX/XXXX, again uploading all required documentation via CFPB. However, on XX/XX/XXXX, I received an email from Experian falsely claiming that no supporting documents were received. 

Experian partially resolved my dispute by removing some fraudulent accounts, including XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  ( XXXX accounts ), XXXX XXXX XXXX and XXXX  XXXX. However, they failed to remove the following fraudulent accounts, which were part of the same claim : XXXX ( {$400.00} ) XXXX ( {$500.00} XXXX XXXX XXXX XXXX ( {$130.00} ) XXXX XXXX ( {$1000.00} ) Experians inconsistent handling of my dispute demonstrates negligence, stalling tactics, and a misuse of their authority. Their selective compliance is arbitrary and directly violates FCRA Section 611 [ 15 U.S.C. 1681i ], which requires a reasonable reinvestigation of disputes. Experian has caused significant financial harm and emotional distress by failing to fully resolve this matter and forcing me to repeatedly submit my dispute.
Product: Student loan

Subject : Urgent : Fraudulent Loan Dispute ( Account Number : XXXX ) Dear ED Financial Services Team, I hope this message finds you well. I am writing to formally dispute a student loan that has been fraudulently opened in my name under account number XXXX. I have no affiliation with this loan, nor have I authorized its creation. The loan was opened criminally using my identity. 
Here are the pertinent details : Loan Account Number : XXXX Date of Loan Creation : XX/XX/year> Police Report Filed : XXXX XXXX XXXX Florida Police Department Case Number : XXXX FTC Identity Theft Reports : Enclosed, one for ED Financial Services and one for the collection company, XXXX XXXX XXXX XXXX 
I have filed a police report regarding this identity theft and included copies of the Federal Trade Commission identity theft reports for your reference. Please cease all attempts at collection on this account and remove it from my credit report immediately. 
I also request that you : 1. Investigate the origin of this loan.

2. Provide a written statement confirming that the loan will be closed and removed from my credit report.

3. Communicate with the relevant credit bureaus to ensure the removal of this fraudulent account from their records. 
Please confirm receipt of this email and inform me of any further steps needed from my side. I appreciate your prompt attention to this serious matter. 
Thank you for your assistance.Please feel free to contact me XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to XXXX XXXX VS Credit Card, Experian Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing XXXX XXXX  was NEVER listed. 

XXXX XXXX  credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

XXXX XXXX  along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included XXXX XXXX XXXX XXXX Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.
Product: Credit reporting or other personal consumer reports

Following up on my previous complaint, issues still persist in my credit reports, despite appreciation for efforts made to address fraudulent entries stemming from alleged fraudulent activity. Outstanding items still require attention, including unauthorized credit inquiries and incorrect personal information remaining in my credit file. I once again request the removal of these unauthorized inquiries and the correction of erroneous information, along with the issuance of an updated credit report reflecting these changes. Please forward the updated report to my address as provided in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authority within four business days, requiring ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a consumer statement affirming the information does not relate to any consumer transaction. I will provide my Driver 's License, Social Security ID, and Proof of Billing as verification of my sole address, alongside my new FTC report # XXXX.
Product: Credit card

Amex fraud/security departments do not respond to any of my communications due to their fraud and guilt, please see the attached and kindly have it forwarded to the fraud/security department ( s ) for processing with an account credit of {$23000.00} plus interest and a credit report correction due to their misleading action of instructing me to not pay the fraudulent charges on my account causing a 30 day past due reported on my credit reports. This non-disclosure, lack of communication and false reporting is clearly a sign of guilt on American Express 's behalf.