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

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Report Information I am writing to formally dispute several inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) Sections 605 ( b ), 1681 ( b ), and 1666 ( b ), specifically regarding incorrect address information, closed accounts listed as open, late payments that do not belong to me, accounts that dont belong to me, inquires I did not consent to any inquiries that do not belong to me. Disputed Information : Incorrect Address : My credit report currently lists an address at XXXX XXXX XXXX, XXXX, GA XXXX which is not my current residence. Closed Accounts : My credit report currently lists accounts as " open '' and still shows recent activity. These accounts are closed. 1. XXXX XXXX - Closed XX/XX/XXXX 2. XXXX - Closed XX/XX/XXXX. This inaccurate information is causing me significant harm by negatively impacting my credit score. I am requesting that Equifax immediately investigate these discrepancies and remove all incorrect address information and closed accounts with recent activity from my credit report. Please consider this a formal request to investigate and correct the following inaccurate items in my credit report issued by your agency. These items must be removed to show my true credit history. I make this request according to XXXX USC Section 1681i of the Fair Credit Reporting Act of XXXX. As requested by the XXXX, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or the corrected copy of my report. Finally, please send me the names and addresses of all the individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. According to 15 USC Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Company failed to Validate this account I sent a letter on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I was alerted through XXXX that I had a new hard inquiry and that a new checking and savings account was opened in my name. It was opened with Citizens Bank. I did not open any accounts nor have I given anyone permission to do so with my information.
Product: Student loan

Well in the beginning of COVID-19 they were supposed to swipe the loan off completely!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost all my information and is not being helpful.They sent me a letter telling me my address was changed and I did not change it. Gave me a XXXX number to call and it was in the XXXX!!! I do n't want to talk to someone in the XXXX about my social security number and credit info that Equifax lost do to there data breach!! Then to be asked to have to pay to put a credit freeze on my accounts with the other agency 's is a insult as is the one year credit monitoring as this is a life long loss my social security number, birth date, credit cards. address and license number id for life not one year and I would never use that companies monitoring service as they have proven they cant be trusted with personal information!! I work in a industry and have to keep personal information safe and if I do n't for every peace of information that gets out its a {$10000.00} dollar fine!! Why are n't they held to the same standards!!!!!
Product: Money transfer, virtual currency, or money service

I am writing in regards to Zelles handling of disputes. The recent CFPB lawsuit highlights issues with the platform.
Product: Debt collection

They have repeatedly reported wrong information on my credit report which resulted in a decrease in my score. They keep saying its a system glitch. They are fraudulently using my social security number.
Product: Credit reporting or other personal consumer reports

Subject : IMMEDIATE REMOVAL OF FRAUDULENT HARD INQUIRIES FINAL NOTICE BEFORE LEGAL ACTION To Whom It May Concern, This letter serves as my FINAL WARNING before I escalate this matter through legal action, regulatory complaints, and media exposure regarding your willful violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 15 U.S.C. 1681b, and 15 U.S.C. 1681i.

I recently reviewed my credit report and identified unauthorized hard inquiries that I NEVER approved. According to 15 U.S.C. 1681b, a consumer reporting agency CAN NOT furnish my credit file to any entity without my explicit written consentyet these inquiries appeared without my permission.

Additionally, per 15 U.S.C. 1681c-2, I have the legal right to request a block or removal of any information resulting from identity theft or unauthorized access. Since I never authorized these inquiries, I demand their IMMEDIATE deletion from my credit report. The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX Under 15 U.S.C . 1681i, you are REQUIRED to conduct a full and fair investigation within 5 days. However, considering the clear violation of federal law, I expect this matter to be resolved immediately.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX  .bal {$0.00}, XXXX XXXX XXXX XXXX bal. {$5900.00}XXXX XXXX XXXX XXXX XXXX bal. {$150.00}, XXXX XXXX XXXX XXXXXXXX {$0.00}. please remove these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account has violated my rights XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 a. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

I made a deposit to my husbands bank account in XXXX XXXX from my citibank account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by Citibank. I have the cancelled check and statement reflecting this. Yet, the bank in XXXX XXXX claims the funds were not released from Citibank and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00} and neither bank takes responsibilities for this. 
I suppose I would have to submit a complaint on both banks as Im not sure where the error lies ... I am attaching copies of cancelled check, and both bank statements referencing the situation,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my credit report. Please remove this account from my credit report, this account is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I asked for these addresses to be removed and or deleted from my consumer report because they are non mailable addresses XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Product: Checking or savings account

I started a XXXX XXXX business and did my banking at Wells Fargo. I also had another XXXX for my property management company for two houses that I own and had a checking and savings account for my property management business. In addition, I had my personal checking and savings account at Wells Fargo. 

I had a signed contract to collect overdue business account and they wired the funds into my XXXX XXXX Account. After the funds were wired into my XXXX account, in early XXXX I had a meeting with a banker at Wells Fargo and asked them if the funds that were wired in were legitimate and the Banker told me yes and that I could withdrawal the funds or distribute them. 

My XXXX XXXX banking at Wells Fargo began on XX/XX/2022. In XXXX I received notice that they were freezing all my accounts, including both XXXX 's and my personal checking and business accounts. I had an appointment with my Banker at Wells Fargo, and she told me that the wired funds that went into my XXXX XXXX XXXX account was not authorized. I said I understood them freezing my XXXX XXXX XXXX account but that it was unlawful for them to freeze my XXXX  account for Property Management and my personal checking and savings account because XXXX 's are treated separately. They told me they could and would freeze all my accounts. It wasn't unitl the end of XXXX that they released the funds for my other accounts and sent me checks for the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( last reported XX/XX/2023 ) - Unpaid TEMPOE LLC collections {$510.00}, {$380.00} & {$620.00}. I have no knowledge of these debts and have attempted to dispute several time without a response from the collector or credit bureaus. I believe that the accounts are over XXXX XXXX XXXX as they have suddenly appeared on my credit report.
Product: Mortgage

Hello, I have a decided to refinance my home mortgage and i got the offer from my current lender, TD Bank. We have started to process in XX/XX/2020 and i have submitted all the documents in one week. I have received the Conditional Closing Disclosure and i have submitted all the conditional documents as well. 

They even ordered the title on XX/XX/XXXX. Since then i have never heard from them. I have tried to reach them several times but have never received any update. They keep putting me off for 2 months. I have submitted all the documents and they approved them all in XXXX. At the end of XXXX after i tried to reach them several times, they informed me that the mortgage officers are changed and another team started to take care of my refinance application. They sent to the Underwriter again in XXXX for no reason. 

Overall it has been more than 3 months since i have submitted all the documents and i can not get any update or the closing date from them. I chosed to work with TD Bank only my current mortgage is also with them. They promised me to close my refinance in 30 days and it has been 90 days and i don't even know how long more it will take. 

It was such a shame to work with TD Bank and it's a big disappointment how they treat their loyal customers.
Product: Credit card or prepaid card

In 2022, there was a fraudulent savings account opened in my maiden name, at Bank of America. I had the account closed and froze my credit, as well as put a fraud alert out on my social security number. Just yesterday I received an email from Bank of America about a credit card application with them. I did not apply for any credit card. Since I have a credit freeze, the card was not opened. I did call them to make sure the application was reported as fraud. The strange part is with both the savings account and the credit card, both my real email and address were used. I am starting to worry that it is the Bank opening unauthorized accounts rather than identity theft.
Product: Vehicle loan or lease

I am a Service member and I fall under the Servicemembers Civil Relief Act Benefits. On XX/XX/XXXX XXXX financed a vehicle for me, a XXXX XXXX XXXX from XXXX XXXX. I was charged a high interest rate and late fees. 

XXXX
Product: Checking or savings account

From XX/XX/XXXX until XX/XX/XXXX I was charged for an account that was closed. XXXX plus XXXX overdraft fee.
Product: Credit reporting or other personal consumer reports

After the Equifax breach in XX/XX/XXXX, I froze my credit reports at each of the major ratings agencies, including Equifax. Although I have had no problems temporarily lifting a freeze when necessary at XXXX and XXXX, I am unable to login to MyEquifax. I keep getting the following message : " We are temporarily unable to complete this request. Please try again later. '' I tried multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) and tried with XXXX, XXXX, XXXX, and XXXX  browsers. I've disabled ad blockers and turned off my VPN. Nothing worked. I hoped that it was a temporary issue, so I tried again today ( XX/XX/XXXX ) with the same result on all browsers. A search of this error message shows people encountering the same issue for years. I can only assume that Equifax is deliberately limiting access to its site with the hope that people will just give up and unfreeze access to their credit reports altogether.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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

I recently was told to check my account because Wells Fargo has been reported for opening fake accounts. I checked my credit report and there is a card that I never owned open. I applied for a secured card back in 2013, but the lady at the bank told me that I didn't get approved and to try again later. There is a secured card that has been reported on my credit from 2013 that states it was opened on XXXX XXXX, 2013 for XXXX dollars. That account was closed in XXXX 2013, not sure what happened because I never got approved for this card and it should not be on my credit.
Product: Debt collection

I am filing a complaint against Midland Credit Management for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Midland Credit Management regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Midland Credit Management. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Midland Credit Management had the legal right to collect the debt. 

Despite my request, Midland Credit Management failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my XXXX XXXX. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX, which requires debt XXXX to cease collection activities until they validate the debt. 

Furthermore, Midland Credit Management did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Midland Credit Management immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute adverse information appearing on my credit report, which has negatively impacted my creditworthiness. As a consumer protected under the Fair Credit Reporting Act ( XXXX  ) ( XXXX XXXX. XXXX et seq. ), I am demanding a thorough investigation and verifiable proof of all derogatory accounts currently being reported. 

Dispute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX I have recently reviewed my credit report and found inaccurate and/or unverified negative accounts listed. I am formally requesting an investigation and demanding verifiable proof that these negative items belong to me, were properly verified, and were reported in accordance with federal law. 

Additionally, I was a victim of the Equifax data breach that compromised the personal information of millions of consumers. As such, I have reason to believe that my personal data XXXX have been improperly accessed and used without my consent. Given the XXXX XXXX XXXX XXXX ( CFPB ) lawsuit against Equifax for improper credit report investigations, I have serious concerns about the legitimacy of the reporting practices used to verify negative items on my credit report. 

Legal Basis for My Dispute Under the FCRA, I have the following rights : Right to Accuracy & Verification Pursuant to XXXX U.S.C. XXXX ( a ), credit bureaus must conduct a reasonable reinvestigation when a consumer disputes inaccurate or unverified information. 
I demand that each disputed item be verified with original source documentation or removed immediately. 



XXXX XXXX XXXX XXXX  XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX 2 times for XXXX account # with diff amounts?! ) The CFPB has publicly stated that Equifax engaged in improper credit report investigations, violating consumers rights. I demand a full and legally compliant investigation into these disputed items. 
Demand for Verifiable Proof of Negative Items For each disputed item, I request the following verifiable documentation : A signed contract proving my agreement to the alleged debt. 
A full account history showing accurate reporting dates, balances, and status updates. 
The method of verification ( MOV ) used by the credit bureau under XXXX XXXX. XXXX ( a ) ( XXXX ). Copies of all comuunications sent to these alkleged creditors regarding these accounts.
Product: Checking or savings account

A fraudulent charge of {$160.00} was made by XXXX using my TD Bank debit card in XX/XX/2017. I reported the fraud to TD Bank multiple times and the issue has still not been resolved. 

- TD Bank first told me that they would investigate, but I didnt hear back. 
- I called TD Bank again and was told that I had to resolve the matter myself with XXXX XXXX. 
- I spoke to XXXX XXXX and they told me that I had to resolve it with my bank. 
- I called TD bank again, waited for a response, and was eventually told that the claim was denied because they couldnt find any evidence of fraud, but I could not talk to anyone who actually did the review or made the decision. I was told that I must file a police report at my local precinct for then to re-evaluate the case. 
- I filed a police report, went to the TD Branch and had the claim revisited. I was then told that the claim was denied because, again, they couldnt find any evidence of fraud. 

I believe that TD Bank purposely made me go to the police just because they thought I wouldn't want to spend the extra time and they could ignore my case. 
XXXX XXXX says that they will not talk to me about the details because I should be dealing with the bank. 

TD Bank later said that if I file other requests with XXXX XXXX to force them to give me details about the transaction that they will review it again, but I believe that once again they are counting on me thinking it is not worth spending further time on this and that I will just go away. 

Can you please help me resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of my account balances have been paid off since XX/XX/XXXX & XX/XX/XXXX. XXXX has still to respond to my initial compliant. This is the only way i can get my loans amounts updated.