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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> 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 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 of 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 have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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
Product: Debt collection

I was notified about this debt by a law firm that rapidly filed a lawsuit against me and threatened to take everything I've worked for. After going to court XX/XX/year> both parties agreed & signed on a payment resolution. Now I've received a letter requesting fact information about my assets and finance. I requested information about this debt, has a profit loss been filed on this debt, payment history, and why is it showing in my credit report as a charge off before the lawsuit/settlement judgement was reached. I've gotten no response to those questions. I only was told either sign repayment agreement saying I won't come back to sue them & pay monthly installments of {$410.00} or no agreement and they take me back to court for more judgements against me.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, being duly sworn, depose and state as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX XXXX, and I am presently XXXX XXXX XXXX. 

XXXX. My current address of residence is XXXX XXXX XXXX, XXXX, LA XXXX. 

XXXX. The purpose of this affidavit is to attest to the fact that I have never co-signed for a vehicle, specifically a XXXX XXXX XXXX XXXX  with ending account number XXXX, despite claims made by XXXX XXXX XXXX stating that I did. 

XXXX. Upon further investigation, I discovered that my signature was forged in connection with this alleged co-signing, which constitutes a crime under Louisiana law ( La. R.S. 14:72 ) regarding forgery. 

XXXX. I was the CEO of a company that may have been involved with this vehicle, but I have never co-signed for any vehicle, and I am no longer the CEO of that company. 

XXXX. XXXX XXXX XXXX  is claiming that I owe approximately {$15000.00}, which is false and unsubstantiated. 

XXXX. The credit bureaus, including Equifax, XXXX, and XXXX, are responsible for damages, as they allowed this inaccurate information to be reported on my accounts. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, they have failed to do so in this case. 

XXXX. This inquiry never appeared on my credit report, nor was it reported as if I were co-signing. I did not become aware of this issue until it reached charge-off status. 

XXXX. Had I co-signed, there would have been an inquiry on my report, and my credit score would have been affected accordingly, but this has not occurred. 

XXXX. There exists a conflict of interest, as I have a personal account with XXXX XXXX XXXX, and they improperly shared my personal information to benefit themselves regarding the charge-off of the business account XXXX. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) illustrates the responsibilities of credit bureaus to ensure the accuracy of reported information. The court ruled in favor of the consumer when the credit bureau failed to investigate a dispute adequately. 

XXXX. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court found that credit reporting agencies violated the Fair Credit Reporting Act by failing to correct inaccurate information after being notified, leading to damages for the consumer. 

XXXX. I have never received any Form 1099-C regarding the charge-off. According to IRS regulations, a 1099-C is issued when a debt is canceled or forgiven, which would indicate that the debt was written off for tax purposes. The failure to provide this form constitutes a potential violation of IRS regulations and suggests fraudulent activity on the part of XXXX XXXX XXXX. 


I hereby swear or affirm that the information above is true accurate and complete to the best of my knowledge, and that no relevant information has been omitted.
Product: Credit card

My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.
Product: Credit card or prepaid card

On XX/XX/XXXX I learned by logging into my Chase account online that one of my credit cards with the company, which has been in good standing since it was opened in XXXX, was closed by the bank on XX/XX/XXXX. The bank did not provide any notice that this card would be closed. My most recent spending and payment on the card was under one year ago, right before the COVID-19 pandemic hit the United States. The unexpected cancellation of this card has negatively impacted my credit score because it shortened my average age of credit. 

I called Chase bank on XX/XX/XXXX within minutes of finding out that my card had been closed in order to reactivate it. Upon calling Chase, the first agent said that Chase emailed me multiple times starting in XX/XX/XXXX and sent me a letter in the mail to alert me of the card closing. I checked my email with the agent on the phone and told her that I had nothing but payment confirmation emails for the other 2 credit card accounts I hold at Chase. Nor did I ever received anything in the mail from them. The agent was unable to do anything to reinstate the card so I asked to be transferred to a higher-up. 

The second agent told me that they did not email me but that they sent me a letter in the mail on XX/XX/XXXX. I have USPS informed delivery, so I receive a digital record of every item that is sent to my address in the mail. There is no record of a letter from Chase bank at the end of XX/XX/XXXX nor did I receive the letter he mentioned. He told me that the bank opted to close my card because there had been no spending on it in the past 6 months. He also said that they would rather I cancel all of my other credit cards with Chase, which carry substantial annual fees, than reactivate this card. 

Without notice, Chase bank closed a credit card that I held in good standing with them for nearly 7 years, on which spending and payments were made in the last 12 months, and when I contacted them to reactivate the card they lied to me about their communication and indicated that my business is meaningless to them. I recommend not working with Chase if you have the option.
Product: Checking or savings account

Wells Fargo removed three deposits from my account on XX/XX/XXXX. 

Wells Fargo first claimed that THEY returned the money to XXXX XXXX. 
That never happened. 
Then Wells Fargo said they dont know what happened to the money. 
They claim that they can not trace the money. 
Now they say they have no idea who moved the money or what happened to it. 
This has gone on for over a month. I have put in several claims only to be rejected each time. 

Copy of my Wells Fargo account XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$490.00} XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$980.00} XX/XX/XXXX Instant XXXX  Return to SS on XX/XX/XXXX Ref # XXXX Original Instant XXXX Ref # XXXX {$980.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Original XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate account with all three credit bureaus XXXX XXXX Experian, and XXXX XXXX and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my credit.
Product: Checking or savings account

Sent funds to wrong person {$1600.00} on XX/XX/year> and was able to retrieve funds.
Product: Credit card or prepaid card

first i started by speaking with walmart and they have stated they did not process 2 charges to my card - they have only 1 transaction so they can not issue a refund - spoke to capital one customer service on the phone twice - 1st time the csr could see that i was double charged - admitted that i was double charged but said she could not fix it and that we needed to talk to another crs - left me on hold for 3 hours - 2nd time i got walmart involved we were on hold for over 2 hours trying to get to capital one csr - he was supposed to take care of the issue but the double charge is still on my credit card and they are now trying to force me to pay it!! attached is a screen shot of my account showing the double charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down considerably on this account from XXXX XXXX  XXXX, Equifax, XXXX, and XXXX  are reporting incorrect information. The balance is now XXXX and it should reflect that.
Product: Credit reporting or other personal consumer reports

These late payments dont match my usual on-time payment history.
Product: Debt collection

Today is XXXX day of XXXX year 2022 MONTEREY FINANCIAL SERVICES LLC per last communication via cfpb complaint stated that they were going to continue reporting on my consumer report which I never gave your company consent to furnish anything on my consumer report which is a violation of the FDCPA FAIR DEBT COLLECTION PRACTICES ACT I do Not have or never had any written/signed contract with MONTEREY FINANCIAL SERVICES LLC and if you believe I do produce a contract between your company and me the ( consumer ) that gives you the authority or grounds to collect a debt from me. Your company was never allowed to contact me nor purchase my information because I never gave your company permission or my written consent your company must have prior consent given directly by me the consumer pursuant to 15USC 1692c ( a ) MONTEREY FINANCIAL SERVICES LLC used threats in the initial complaint by stating they was gone keep reporting non validated information on my consumer report which is a violation pursuant to 15 USC 1692d ( 1 ) and ( 2 ) to harm the consumer physical reputation by charging interest as I see on my consumer report by your company as well as using obscene and profane language thats another violation. On the packet of your company sent the consumer on XXXX XXXX shows a symbol of a tree which is also a violation pursuant to 15 USC 1692b ( 5 ) this what tells me your a debt collector. The first communication via telephone call made to the consumer your company also stated that this was a attempt to collect a debt which is also a violation pursuant to 15 USC 1692b ( 3 ) I can go on how your Company is violation my rights as a consumer in attempts to collect on an alleged debt. After your company received the cease and desist pursuant to 15 USC 1692c ( c ) ( 1 ) etc but MONTEREY FINANCIAL SERVICES LLC fails to abide by federal law and continues to violate the consumer. I do not wish to call your company because theres is really nothing to talk about or settle as far as me being the one paying cash for an alleged debt. I demand your company to stop furnishing on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX Re : Immediate Cease and Desist and Debt Validation Request for Account [ Account Number ] Dear XXXX XXXX XXXX, Midland Credit Management, and XXXX XXXX, This letter serves as formal notice regarding your inaccurate and unlawful reporting of a debt under my name, allegedly associated with the account number [ Account Number ], which you are reporting to credit agencies. After reviewing my credit report, I discovered that you are inaccurately listing yourselves as the original creditors. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate credit reporting, and the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation upon request.

I dispute the validity of this debt in its entirety. Therefore, I demand that you immediately cease and desist all collection efforts and provide full and complete debt validation as required by law, including : XXXX. The name and address of the original creditor, along with clear documentation that proves the original debt. 
XXXX. A copy of the original agreement bearing my signature, proving that I am legally obligated to pay this debt. 
XXXX. A complete breakdown of the balance, including the principal, interest, fees, and any additional charges applied to this debt. 
XXXX. Proof that you are legally entitled to collect this debt in my state and documentation of how you acquired this debt. 

If you can not provide this information within the statutory 30-day period, I demand that you take the following actions : Immediately remove this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 
Cease all communication with me regarding this matter, except to confirm that you have complied with my request. 

Failure to comply with this request will result in legal action. If you do not provide proper validation or remove this account from my credit report, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General regarding your violation of federal consumer protection laws. 
Seek legal counsel to file a lawsuit against your company for damages caused by your false reporting, misrepresentation, and harassment, as allowed by the FCRA and FDCPA. 

As per the FCRA, if you can not validate this debt or correct the inaccuracies, you are required to immediately delete the derogatory information from my credit report. If you continue to report this information without validation, I will hold your company liable for willful non-compliance with federal law. 

This letter also serves as notice that under the FDCPA, I am requesting that any and all future communication regarding this matter be conducted in writing only. Any further contact by telephone will be considered harassment, and appropriate action will be taken. 

I trust that you will handle this matter promptly to avoid further escalation. I look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I aksed BofA to transfer through XXXX XXXX {$20000.00} from my checking account to my credit card ( XXXX XXXX XXXX XXXX XXXX managed by XXXX XXXX Bank ) in XXXX XXXX Bank. 
BofA issueed a check and mailed it on this date to XXXX XXXX Bank. 
This amount of money had never reached my account. On the back of the check appears a stamp of XXXX XXXX Bank with an unexisting account ( I escalated a research within XXXX XXXX Bank ) and they said that this is an encript account and does not exist in XXXX XXXX Bank. 
There is nobody in the branches of BofA to whom I can talk. It possible to comunicate with them calling the checks fraud department. The answers the are giving me that I have to wait XXXX business days for the resolution of the claim I filled on XX/XX/2022 and they are not able to refund me meantime. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXX XXXX XXXX XXXX .... Balance : {$630.00}