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

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Account SUNCOAST CU Account # XXXX Date Opened : XX/XX/2XXXX High Credit : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute Report for Negative Account Account Details : * Creditor : XXXX XXXX XXXX XXXX Reported Date : XXXX XXXX XXXX XXXX  Open Balance : {$400.00} * Opened : XXXX XXXX XXXX  ( 7 months ago ) * Account Status : Open * Original Creditor : XXXX XXXX XXXX  * Remarks : Dispute resolved; reported by grantor Dispute Summary : I am disputing the accuracy of the account listed under XXXX XXXX XXXX due to the following reasons : 1. Doctrine of Estoppel by Silence : Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, if a creditor has not supplied proof of the alleged debt when requested, it may be presumed that no proof of the debt exists. In this case, I have not been provided with adequate documentation or proof of the alleged debt. Consequently, it should be presumed that no valid debt exists, and thus this account should be removed. 
2. Failure to Provide Proof : Under 15 U.S.C. 1681e, creditors are required to provide accurate and complete information regarding the debts they report. Since I have not been supplied with proof or documentation verifying the validity of this debt, this account does not meet the requirements set forth under this statute. 
Request for Action : I request the removal of this account from my credit report due to the following reasons : * Lack of Proof : The creditor has not provided proof of the alleged debt. 
* Inaccuracy : The account fails to meet the requirements for accurate reporting under 15 U.S.C. 1681e. 
* Presumption of Non-Existence : Based on the doctrine of estoppel by silence, it is presumed that no valid debt exists. 
Please investigate this matter and update or remove the account as necessary to reflect this information. 

Given the lack of resolution and your failure to provide the necessary proof of investigation, I will be initiating a claim in small claims court against your agency for the following : 1. **Compensation for Damages : ** For the negative impact these inaccuracies have had on my credit score and financial well-being.2. **Legal Fees : ** Any associated costs incurred due to this dispute. 
You have 15 days from the receipt of this letter to address these issues, remove the inaccurate accounts, and provide a written confirmation of the corrections made. Failure to comply will result in legal action. 
Please consider this a final opportunity to rectify this matter before I proceed with legal claims. I expect a prompt and satisfactory resolution. 
Sincerely,
Product: Credit reporting

I accessed my free credit reports ( XXXX, XXXX and transunion ) on XXXX. I received my report online from XXXX. XXXX always denies an online report and requires a mailed request and sends a mailed copy 30-90 days later. ( I am getting tired of this delay from them when I used this online service, but did not file a complaint ) My problem is that the TransUnion Website I was directed to stated it was unable to process my request and to come back later. Back at the XXXX site, it registered that I had received my free report for the year. Now I can not get my report, at least not for free. 

I send a complaint to XXXX re : TransUnion, but that was only an hour ago and I have not gotten a response yet. 

I feel these companies are making it difficult so that people who need their report right away will pay for it instead. Please help me get my free online credit report from TransUnion ( and if possible from XXXX also. ) Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my Equifax report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.
Product: Checking or savings account

My Debit Card was lost or stolen around XX/XX/2023. I did not know that it was lost/stolen due to being VERY sick, to a point that I had to be XXXX, then I was released to my daughter house in XXXX, MN. Then few days after I was released I was diagnosed with XXXX, and due to my age and health condition it was very hard. 

Then on XX/XX/2023 I had a XXXX on my XXXX, and I couldn't XXXX XXXX for almost 2 weeks. I did email copies of my Hospitals and Clinics visits to Wells Fargo Fraud Department to show that I was at a healthcare facility almost daily for 3 months. 

Once I felt better and was able to go back home on XXXX, I checked my Wells Fargo App and saw SO MANY transactions on my account that I did not do. I looked for my Debit Card, and couldn't find. 
I called Wells Fargo Customer Service, and they transferred me to their Fraud Department, and they closed the Credit Card on XX/XX/2023. However, they still authorized some Transaction on the CLOSED DEBIT CARD until XX/XX/2023. 
Wells Fargo refused to credit my account back the money that was stolen from my account. They gave me several excuses. I filled a police report, and it was investigated by a Detective and found that I had ID theft. I called Wells Fargo Fraud Department again and was told a case XXXX  XXXX in an amount over {$2200.00} was closed without any action from the bank.
Product: Money transfer, virtual currency, or money service

XXXX unauthorized transactions were made to my coinbase virtual debit card from XX/XX/XXXX to XX/XX/XXXX in different amounts ; These merchants were based in other countries XXXX and XXXX XXXX, totaling {$1500.00} taken out of XXXX debit card account. I reside in XXXX  XXXX these unauthorized transactions were done on my virtual debit card, my physical card is in my possession and has never been used. These charges were done without my permission they are not recurring payments and I have never purchased from these merchants. I have no idea what was purchased with my virtual debit card because my virtual debit card was hacked into this was a cyber attack, my money was stolen. All I know is I did research online into these merchants XXXX is a company in XXXX that sells XXXX and XXXX parts I dont own neither. XXXX XXXX is a XXXX XXXX firm in XXXX and XXXX I have no financial accounts outside XXXX  XXXX. I screen shotted an email sent to XXXX regarding this issue but have not received a response reply regarding this matter ; Ive been unsuccessful in contactIng other merchant XXXX because I cant contact by phone ; my phone service only capable for domestic calls within XXXX only. I have not used my virtual debit card since last year of XXXX. I have not made any authorized transactions on my virtual debit card or physical debit card for the year XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Mortgage

This has happened twice : Citizens Bank has attempted to withdraw funds from our Citizens Bank Account to pay our mortgage, as part of an automated payment plan. We have asked this payment to be delayed for one to two days, but the withdrawal is attempted by Citizens, resulting in an overdraft and missed mortgage payments. Citizens has, on both occasions, emailed us saying, " Confirmation : We received your home loan payment ... THANK YOU FOR YOUR PAYMENT Hi XXXX, Thanks for your recent home loan payment. 

HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$4800.00} Your next payment is due on XX/XX/2021. '' In actuality, even though they confirmed the payment via email, they never withdrew the funds. This has led to one late payment and one nearly late payment. Why is a bank allowed to confirm a payment in writing, but not actually have the payment processed? This leads the consumer to have false assurance that their mortgage has been paid, allows the bank to charge overdraft and late fees as a result, and leads to impacts on credit ratings.
Product: Checking or savings account

I went to log in to my US Bank business checking and savings account and I was informed by the online system that my username is suspended and to call their online banking team XXXX. I called and was informed by them that I need to contact my " Home Branch '' which considering I'm not in the normal service area for US Bank I had to call their corporate line and was informed that the account is impending a mandatory review. Later in the day I called the main line again and was informed by a representative named XXXX that the account is being closed and that a check will be issued. I never used the account in an inappropriate or illegal manner. My usage of the account was in accordance with US Bank 's policies and agreements. I am asking for the bank to reach back out and reinstate the account and appeal the said account closure as I believe it's unfair and predatory. It also was not right and unprofessional that I was not informed in writing about the closure and that I had to call several times to find out. 

Account Number : XXXX Name : XXXX XXXX XXXX Business Name : XXXX XXXX XXXX Account information is protected for security reasons, please reach out to me for full account details. 



*** FOR CFPB USE THE COMPANY THAT IS IN QUESTION IS US BANK. ***
Product: Payday loan, title loan, or personal loan

I was funded on XX/XX/XXXX, I fell behind on payments due to unexpected unemployment and needed to revoke XXXX authorization to avoid overdrafting. I made manual payment of XXXX in XXXX, and did not reinstate XXXX authorization. However on XX/XX/XXXX my account was automatically debited {$450.00}. This is the equivalent of SIX payments. I was given no warning of their intent to do this beforehand, just a text message after the fact. I questioned why my account was wrongfully debited and received no answer as of yet. 

The company makes no effort to communicate with me until AFTER they have already taken wrongful action. 

( In the below photo from XX/XX/XXXX you can see that they have requested for me to send an email and reinstate XXXX authorization, I did not do that. They made no mention of taking six payments out at one time. )
Product: Debt collection

I have not received a single communication from this company regarding a debt owed. When I checked my credit report, it shows that this company had placed a collection on my credit. It does not state what the amount is from and it does not list any contact information for them. If there is an amount that is owed, this should have been sent in a letter so that I could verify this information and settle the account. If this is not remedied, I will be seeking legal action.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  Visa Credit Card : XXXX is lost/stolen. All of the transactions listed from XX/XX/2021 to XX/XX/2021 for {$400.00} is all fraudulent charges and transactions. My card is lost/stolen with fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact both Equifax and XXXX to place a freeze on my credit report for several days. I was one of the persons affected by the Equifax breach. 

For Equifax ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For XXXX ... I tried to pay for the freeze on my account to avoid signing up for their monthly service ( {$4.00} to start, {$24.00} per month thereafter ), however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at XXXX. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with XXXX? 

Much praise to XXXX. Their process was free and flawless. For Equifax and XXXX, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on with this, The credit bureaus have Zero respect for the laws.

they need to be held accountable for their action toward consumer thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Esperian XX/XX/20 - Inability to conatact a person I am in the process of refinancing my home and several rentals. I needed to unfreeze my account at Experian so that the mortgage company could access my credit report. On the afternoon of XX/XX/20 I accessed Experian 's systems and received a confirmation that the account was unblocked. The next day I received an email that indicated that Experian had blocked a request for information from a mortgage company. I tried to call several numbers for help and in each case was given 2 alternatives in each of which did not give the option to talk to person to clarify the situation. 

My concern is that time is of the essence in this situation and they should always give the option of talking to a person. Please note that companies that depend on sales customer support are always very responsive when calling unless they are in the process of going out of business. 

I will be sending a copy of this compplaint to the CEO of Experian in XXXX XXXX CA
Product: Mortgage

Unfair charges to pay mortgage and credit reporting I have the Mortgage Account with Loancare. Paying on time ( Every XX/XX/XXXX of the Month ) thru my bill pay account. I realized from their statements late charged after XX/XX/XXXX that my billpay is physically mailing them the checks and they are receiving after XX/XX/XXXX. I  tried to schedule auto payments form their website but it does not schedule the payment once it is due ( after XX/XX/XXXX ). Then I started paying for their website but they charge the fee to pay online after XX/XX/XXXX of every month. More closer you are of the deadline ( XX/XX/XXXX day of month ) higher the fee. I called in so many times but never got anyone to talk to. Finally i got someone to talk in Mid ofXX/XX/XXXX ( I guess it was XX/XX/XXXX ) and request them to make auto draft every  month. They took my banking info and told me that it will be schedule from next month. I went out of country in XX/XX/XXXX and came back in mid of XX/XX/XXXX and received mails that I am behind my mortgage for 2 months. I checked my bank account and found that no draft was made. Ever since i am trying to contact them by phone but found no human to talk to. I sent them 2 request to explain all this thru their website contact us form on XX/XX/XXXX and XX/XX/XXXX but they did not contacted us. They reported us to the credit bureau. Charged is {$190.00} for the late fee. Higher than anywhere.