23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

There was an agreement in place as a result of COVID-19 for payments, which I was unaware had met its term until the late notification. Once advised of the payment status, it was brought current right away. I reached out due to the mis-communication regarding the agreement and thought the tradeline was corrected. However, I pulled my free report only to find that youre still being impacted with a XX/XX/2020 30-day late hit with the credit bureaus which has impacted your scores greatly. It is my hope that given the unsettling year 2020 was with the ramifications of COVID-19 ( in all aspects ) that Ally with have empathy at this time and reverse the XX/XX/2020 30-day late hit with bureaus.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I logged into the 3 Credit Burea accounts and realized I had unauthorized fradulent inquries on my accounts. 
On XX/XX/XXXX I reached out via phone to XXXX, XXXX, & Experian and all of them told me that there was nothing I could do about these unauthorized inquiries on my account. 
On XX/XX/XXXX I filed a online dispute on XXXX. 
On XX/XX/XXXX it was denied. 
On XX/XX/XXXX I filed my report with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern/ ( CEO ) Wells Fargo Card Services I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft.

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


Wells Fargo Card Services Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Debt collection

I called American Express during Cov19 and asked about any way to skip payment due to the virus. They stated that I could lower my payment but not skip a payment. I said that would be great as long as it did not effect my account or credit. They stated everything would stay the same including my credit limit and I could continue to spend. So they set up a Automatic payment because this was the only way to get into the program an started drafting money out of my account during the historic disaster. But what they did that really upsetting was removed all my credit that has taking me 10 years to build up and make my new balance the same as what is due and removed all credit I had built up over multiple years. I called back in but they say that due to the virus the are taking too many escalation calls and would have to call me back, no calls back. I have made two calls with no success to resolve this matter and they keep drafting money out of my account and will not stop. This is predatory behavior for good customers and all they are worried about is the money during a disaster.
Product: Debt collection

Received a letter Credit Collection Services saying I owe XXXX {$570.00}. I have never had a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent in my dispute letters. XX/XX/2021 I made a compliant with all the laws the bureau was breaking. XX/XX/2021 I received a closed status on my complaint because the bureau said I needed authorization. I called XX/XX/2021 on a recorded line and they told me that fact is false. I want to create another complaint that they're violating 15 US CODE 1681a. False investigation on consumer reporting of character.
Product: Credit reporting or other personal consumer reports

This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a claim with Amex on XX/XX/2022. I found that someone had setup up something called " Send and Split '' with my account, charged my credit card and then set up two fraudulent payments to my XXXX XXXX Checking Account, one for {$200.00} and another for {$740.00}, and then used something titled " Amex Send : Add Money '' to transfer {$1000.00} out of the Amex account. I called Amex, they reset my account password and " opened a claim ''. I asked specifically if this was going to halt the two fraudulent payment attempts for processing and was told that everything from those transactions were stopped. I logged into my XXXX XXXX account today, XX/XX/2022, to see that the two amounts, {$200.00} and {$740.00}, had still been processed to my XXXX XXXX Checking account and were now pending. I attempted to log in to my Amex app and was locked out. I called Amex and was able to reset the account but after spending nearly two and a half hours being transferred back and forth from department to department, verifying my identity every time, explaining the situation every time, and being told they would have to transfer me again and could not assist with the fraudulent payments every time. I asked to speak with managers or someone in charge repeatedly and they just transferred me to and from another department instead. I was told fraudulent payments were different from fraudulent charges, one person said they would not be able to address the payments until the charges were resolved, which could take up to 30 days. Another person couldn't seem to find any notes or filings related to my initial complaint report in regards to the payments or therefore halting them. I asked repeatedly to be transferred to whomever had the ability to reverse the fraudulent payments and put the money back in my checking account. After becoming so frustrated to the point of tears, I hung up and called my bank instead. I still do not have a clear resolution ( or my money back ) as XXXX XXXX says it will take up to 48 hours for them to look into. No one at Amex seems to know what they were doing or even who would actually be able to assist ( I question at this point if that person even exists with in their company ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.
Product: Vehicle loan or lease

Wells fargo is doing nothing but lying to me and I got them the proof of insurance I want mediation aI have asked for2 months Iwant it now/.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit for personal, family, and household purposes by CAPITAL ONE BANK ( USA ) , N.A. I was notified of this transgression of my rights specifically 12 CFR 1026- The Truth in Lending Act, by CAPITAL ONE BANK ( USA ), N.A. on XX/XX/2022, dated XX/XX/2022 via U.S. mail. According to 12 CFR 1026.2 ( a ) ( 3 ) definitions of The Truth in Lending Act, an application means : submission of a consumers financial information for the purposes of obtaining an extension of credit. A credit card ( 12 CFR 1026.2 ( a ) ( 15 ) ( i ) means any card ( social security card ), plate, or other single credit device that may be used from time to time to obtain credit. I used my social security card to extend credit to myself for personal, family, and household purposes. I as a natural person possessing an open-end credit plan, which was harmed by CAPITAL ONE BANK ( USA ) , N.A. adverse action taken against me and denying my rights. This is discrimination according to Regulation B Equal Credit Opportunity Act because, I the applicant, has in good faith exercised my right under the Consumer Credit Protection Act. My credit card was charged, which shows a transaction took place because the inquiry is on my consumer report. Meanwhile, CAPITAL ONE BANK ( USA ), N.A. received consideration and I got a denial adverse action letter. Pursuant to Equal Credit Opportunity Act, anyone who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant, which is me, for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages. CAPITAL ONE BANK ( USA ), N.A. is now civilly liable to pay me for the damages when Ive showed good faith as a consumer and was denied my right of credit for personal, family, and household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the 3 credit bureaus to lift my credit freeze for one day ( XX/XX/XXXX to XXXX XXXX ). XXXX XXXX and XXXX have notified that they have restored the credit freeze. Experian has not notified me. 
Experian assigned a confirmation number XXXX to my request. 
I want to learn whether Experian ever lifted my freeze and the date they restored the credit freeze.
Product: Credit card

On XX/XX/2023, XXXX XXXX, XXXX, XXXX XXXX XXXX, applied for XXXX credit card with Discover Bank. On or about XX/XX/2023, a complaint was submitted to the CFPB that Discover Bank 's denial violated the federally protected rights of XXXX XXXX as its decision was based on INACCURATE information provided by the credit reporting agencies ; namely XXXX, XXXX, and XXXX. Discover responded by not reversing their decision and stating that their decision " can not be changed '' and once again relied on INACCURATE information in the consumer credit report. Discover Bank has and continues to violate federally protected rights. Specifically, regardless of the reason, XXXX XXXX has the right to credit. Discover Bank was provided the social security number and other identifiable information which gave them access to the securities which were underwritten on the social security number of XXXX XXXX. Denying XXXX XXXX credit, is a violation of the Equal Credit Opportunity Act and Consumer Credit Act. Discover Bank is also discriminating against me and taking a prejudicial and discriminatory action against me based on inaccurate credit information, alleged previous transaction history, and/or financial status. Discover Bank is also in violation of the Securities Exchange Act as Discover Bank lists application " denials '' as " assets '' in their XXXX reports filed with the SEC and is/has securitized my personal information for their sole benefit in further violation of federal codes, laws. rules and/or statutes.
Product: Credit card

Citicard has documentation in their records for my account concerning all communications related to their reneging on a retention offer made to me. Sometime in XXXX a retention specialist named XXXX made an offer to me on a recorded line that Citicard would issue a credit for {$100.00} per month for 4 months towards my annual fee for a total of {$400.00} if my spending was at a certain level which I achieved. I only received a credit for {$100.00}. Since XX/XX/year> I have spoken with at least 10 customer service representatives and supervisors. The most important of those conversations was with a manager named XXXX on XX/XX/year>. She was very apologetic about the poor service I received to date and I requested that she listen to the recorded conversation which took place when the offer was made and respond to me ASAP. She assured me she would listen to it with another individual ASAP and call me within a day or two or possibly the following week due to the XXXX holiday. She never called me. I followed up twice after that call and agents acknowledged that notes indicated that a review of the recording proved I was correct and I was offered {$400.00}. Both agents were very courteous and said they would immediately email XXXX and relay my message that she reneged on her promise and Citicard reneged on their firm offer. I asked the agent today to pass along that I was going to complain to your agency if I did not receive a credit for {$300.00} or a return phone call today. I again received neither
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that this company, AFNI reported a XXXX XXXX   balance on my credit Bureau file. I have not had an XXXX XXXX account in over five years and I did not have a balance with them! 
I never received a letter from this company or XXXX  to discuss this account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app due to inadequate customer service amd unfair practice which violate the customer financial protection act ( CFPA ). Specially, cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/year> Credit Bureau/TransUnion ) XXXX XXXX XXXX. XXXX. 
PA XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate, unverifiable, and outdated items listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). These errors are negatively affecting my creditworthiness and must be corrected or removed immediately. 

After reviewing my credit report, I have identified the following items that I believe to be inaccurate or unverifiable : XXXX XXXX ACCOUNT XXXX Issue : [ e.g., Incorrect balance, account not mine, outdated information ] Issue : [ e.g., Duplicate entry, inaccurate reporting, unverifiable debt ] Under the FCRA, it is your legal responsibility to ensure the information reported is 100 % accurate and fully verifiable. I demand a thorough investigation into these matters and the removal or correction of the disputed items from my credit report. 

Failure to remove or correct these inaccuracies promptly will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

Please provide me with the results of your investigation in writing within 30 days, as required by law. If you are unable to verify the accuracy of these items, they must be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. I expect to receive confirmation of your receipt of this letter within 5 business days. Should you require additional information, feel free to contact me at XXXX ]. 

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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX/202 XXXX XXXXXXXX XXXX XXXX : {$980.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX XXXX XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus. 
Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting.

Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices.

Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, Experian, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Transunion. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX Transunion, XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, XXXX Transunion, XXXX XXXX. 
XXXX XXXX XXXX XXXXt-Reported XX/XX/XXXX # XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX Bankruptcy XX/XX/XXXX Reference Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I looked over my XXXX, XXXX, Transunion XXXX XX/XX/XXXX and noticed some are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever and consumer reporting agency prepares a it should follow reasonable procedures and provide maximum possible accuracy of the information concerning the individual about whom the the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unidentifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer can not be verified, the reporting agency shall ( i ) promptly delete that item of information the the information has been modified or deleted from the file of the consumer. 
( ii ) Promptly notify the furnisher of the that information that the information has been deleted from the file of the consumer. 
and according to 15 USC 1681s-2the are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

Midland funding llc is trying to collect on a debt that is not mine it was opened for my father who has the same name is me
Product: Mortgage

Wells Fargo Home Mortgage is incorrectly reporting an account on my credit report. My account was closed in XXXX and for some reason Wells Fargo reported to XXXX in XXXX which is voiding the item from falling off the XXXX bureau by statue. I contacted Wells Fargo and they told me my file was archived and they could not verify information or help. This reporting is in violation of fair credit reporting practices and also preventing me from obtaining a new home loan.