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

In accordance with the Fair Credit Reporting act XXXX the follow accounts have violated my rights. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX 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: Debt collection

In XXXX, I settled and paid off an account with Capital One. Despite having paid off this debt in full, the charge-off is still being reported on my credit report. Also, Capital One continues to report the charge-off as a new event each month. This ongoing reporting is inaccurate and misleading, and it is negatively affecting my credit score. I have contacted Capital One multiple times to correct this issue, but they have not made the necessary adjustments. Attached are copies of my correspondence with Capital One and copies of my credit reports showing the continuous monthly reporting of the charge-off. 

Fair Credit Reporting Act ( FCRA ) : The FCRA requires that all information furnished to credit reporting agencies must be complete and accurate. Continuous reporting of the same charge-off as if it were new can be seen as a violation of this act. 

You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 


As a consumer by law this account must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 



Sincerely, XXXX XXXX
Product: Mortgage

The mortgage company applies the majority of my payment to interest and very little to principal. According to my XX/XX/XXXX XXXX statement, my payment was {$600.00}. {$200.00} was applied to the principal and XXXX was interest. Some months Chase charges for escrow although I pay my taxes.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}
Product: Checking or savings account

XX/XX/2022 @ XXXX XXXX Someone transferred {$3000.00} to their chime account $ XXXX I did not authorize this transaction and i tried telling my bank this and they denied anything was wrong so i never was refunded. I tried to escalate the claim with evidence but thats all the evidence i have i have no idea who this person is and why i would send that much to him.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXX XXXX account ( s ) # XXXX and the other account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX. 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. Equifax has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the Equifax has investigated properly before posting derogatory information. 

( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX. 
Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I sent money ( {$1600.00} ) with XXXX from Wells Fargo Online account on XX/XX/2019. 
Money was sent via email address to a person known to me and to an email address that I have used to communicate with her. The money was not received. I filed multiple claims with Wells Fargo Bank. I was on a conference call with WFB and the person I sent money to. WFB knows the person did not receive the money. 

Wells Fargo notified me that the transfer was processed and there is nothing more they can do.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute with CMG financial which is my new servicing company as XX/XX/2022. They filed a negative reporting which by law of a new servicer can not furnish negative information to credit reporting agency loan transfers within the 60 days of the transfer. I spoke to CMG financial on XX/XX/2022 about the reporting and they stated no negative reporting was filed. I wasn't incurred a late fee due to the statue.My mortgage was with XXXX XXXX prior which sold the loan to CMG financial and theres discrepancies of payment etc that was placed on my account. My account should only start on XX/XX/XXXX XXXX2022 and my grace period of 60 days has not expired. I made a payment to CMG financial that was returned and then wasn't given a call to correct it, This was due to a bank error, not because of insufficient funds. A letter of delinquency was given prior to 45 days and thus I fall in the guidelines of the grace period where no negative reporting should be on my credit report. CmG financial assured that I was correct and no reporting was filed. Today XX/XX/2022 a negative reporting was filed affecting my credit and my mortgage account. Im requesting this to be rectified and to update my credit report, removing the 30 days delinquency and reporting good standing according to fair credit reporting act.
Product: Mortgage

this is my second communication. I filed initial complaint last week. please see the record for case number. I have filed appeals paperwork with my lender for HAMP Denial. My servicer has not acknowledged receipt of the paperwork nor have contacted me. I have left several messages for my account manager and they have all been ignored. The decline letter I received was dated XXXX XXXX, 2016 in which I was given 30 days to file an appeal. That 30 days is over on XXXX XXXX, 2016. the time is approaching fast. although I have sent all the paperwork to them within the timeframe allowed, they have not started any process from their side. I am afraid that they will claim that they never received my paperwork for an appeal and, will close my case. I really need your help in resolving this. a copy of his appeal was also sent to you last week. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit card or prepaid card

XX/XX/22 I filed a dispute with chime for two unauthorized charges on my account. One was {$280.00} and the other was {$20.00}. My dispute was closed as approved, my money was returned however, it was taken back by chime only ten minutes later. I have tried for weeks to get them to understand the situation but they prolong it and leave me waiting. Ive requested their fraud department however, they informed me that they in fact do not have one. Im left with no resolution and my money stolen by chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous XXXX XXXX Inquiry from XXXX XXXX, XXXX Telephone Companies XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Product: Checking or savings account

On Friday, XX/XX/XXXX I sent a wire transfer online for {$4900.00} to my wedding band. Despite having to verify my identity XXXX times while submitting the transfer, wells fargo flagged the payment as fraud, held the wire, and then locked me out of my online account. I called wells fargo, again verified my identity in multiple ways, and told them that this was not a scam and please release my money. Wells Fargo then said that they would send the wire transfer through but in order to unlock my account I had to go into a branch with a photo ID and have the branch XXXX call them to verify. I don't live within XXXX miles of a branch, as they could have seen with the address listed on my account. When I told them they said that was my only option. Instead of making a XXXX hour round XXXX XXXX to access my own money, I chose to shut down all of my accounts with wells fargo. They told me that the only way to get my money from my accounts was to receive a cashiers check that would arrive in XXXX business days. I worked with the representative to withdraw as much cash as I could through XXXX so I could live while waiting for the cashiers check to arrive. I was told I had XXXX pending items on my account, but those items would clear and no new charges would be added. There was approximately {$300.00} left in the account that should have been sent to me ( I have no way to know the exact number since wells fargo wouldn't let me into my account and they sent me no emails to confirm any of this ). A few days later, I got a notice that the wire transfer they said had gone through was actually canceled. I then panicked knowing my account had been closed and there was no where for this money to go. When I called wells fargo, they said that the wire transfer never existed ( despite me having the confirmation number ) and that when I closed my account a check for {$4300.00} was sent to me. The wire transfer was for {$4900.00} and I still had a positive balance on my account when it closed so where is the rest of my money?! Wells fargo won't send me anything via email and refuses to look into this further because they say the wire transfer never happened.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX has only one name which is XXXX XXXX, I am not known for any other names, I also only have XXXX address that is attached to my name and that is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I also only have XXXX job that should be on my credit report and that is XXXX XXXX, I am unaware of any other jobs that has been reported on my report, as well as any other addresses so I would like for them to be removed from my report.
Product: Debt collection

Tis medical collection of XXXX paid by insurance no money owed
Product: Credit reporting or other personal consumer reports

While reviewing my Equifax credit report, I discovered hard inquiries and fraudulent accounts that were not authorized by me. The following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No date provided ) Additionally, I identified fraudulent accounts that were opened in my name without my approval : XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXXXXXX Opened XX/XX/XXXX These accounts were not opened by me, and I have no connection to them. Their presence on my credit report is inaccurate and damaging. I have never applied for credit with these companies, and I suspect identity theft, as documented in my FTC Identity Theft Report ( # XXXX ).
Product: Credit reporting or other personal consumer reports

Hard inquiries that I didnt authorize are improperly listed on my credit report. Please remove them as required under 15 USC 16c-2.
Product: Credit reporting

XXXX account opened by my wife & paid by her was listed as mine. Wife attempted to call XXXX XXXX DCI ( the third party collector assigned to the debt ), was hung up on numerous times when she asked my name be taken off the account, was told I was still responsible because we were married though she opened the account & paid bills with her seperate bank account
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information DEPT OF EDUCATION/XXXX XXXX {$29000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditors that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated and DELETED immediately : XXXX. Account Name : XXXX XXXX XXXX Dated Listed : XXXX XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I ORIGINALLY DISPUTED THIS ITEM WITH XXXX  XX/XX/XXXX FOR NAVY FEDERAL CREDIT UNION IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. XXXX  DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR XXXX TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN  DELETED AND BLOCKED.