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

I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, XXXX. XXXX, XXXX mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that XXXX. XXXX, XXXX furnished a derogatory account to the Transunion which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 


XXXX. XXXX, XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX regarding their mishandling of a dispute and failure to authenticate my identity, as shown in the attached documents. 

# # # Experian : Inaccurate Public Record Reporting On XX/XX/year>, Experian generated a report ( Report Number : XXXX ) that includes a public record ( Reference # XXXX ) of a bankruptcy allegedly filed in the Massachusetts XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). However, despite a formal dispute I submitted, Experian refused to delete or amend the inaccurate information. They confirmed that the item would remain on my report, citing that the company reporting this information certified its accuracy. 

This unresolved issue has caused significant harm to my credit, and I request the immediate intervention of the CFPB to ensure this erroneous entry is removed from my report. 

# # # XXXX : Failure to Authenticate Identity and Stalling Investigation In addition, on XX/XX/year>, I received a letter from XXXX XXXX XXXX ( Case Number : XXXX ), indicating that they were unable to authenticate my identity, which has delayed an ongoing dispute I initiated with them. Despite having provided the necessary documentation as requested, they claim they can not continue the reinvestigation process unless my identity is authenticated. 

This stalling tactic by XXXX is unacceptable and contradicts my consumer rights under the Fair Credit Reporting Act ( FCRA ). I demand that XXXX proceed with the dispute process immediately and without further unnecessary delays. 

# # # Documentation Sent to CFPB : On XXXX XXXX, XXXX, I submitted a formal complaint to the CFPB ( Complaint Number : XXXX ) regarding the same issues with both **Experian** and **XXXX**. In that complaint, I included sensitive personal documentation, such as my **Social Security number**, **passport**, and a **recent insurance bill**, to verify my identity. I am attaching the same documentation to this letter to support the current complaint and ensure a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute an account with Discover bank in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1666b - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! XXXX, XXXX, Equifax, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( XXXX, Equifax, and XXXX do not even have proof that the alleged transaction took XXXX & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( XXXX, Equifax, and XXXX XXXX XXXX XXXX Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information. 
Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.
Product: Debt collection

Ad astra recovery a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was discharged on XXXX 2014. Both company knowingly it was discharged and can not be collected but still trying to do so. Ad Astra recovery illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX discharged bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One incorrectly and unfairly reported me 30 Days late for the month of XX/XX/XXXX on my account ending in XXXX. I moved from XXXX to XXXX last XX/XX/XXXX. Shortly after, I called capital one and informed them of what my new address is. I was advised that my account/information has been updated. I am not enrolled in estatements/paperless billing nor enroled in autopay. I just mail in check payments with my statements. I just found out that not all of my account was updated to the correct current address. Having two accounts with the same company, all my accounts should have been updated and furthermore, I was advised the first time I called them that the address on the accounts has been updated. I made a payment to them last XX/XX/XXXX for the full balance and a representative updated the address just last XX/XX/XXXX. I should not have been late for that month if only my address was updated. It is the creditor 's obligation to update my information with the current and updated information provided to them. They violated the Califonia Credit Report and I am suffering greatly because of these.
Product: Mortgage

We have an  Equity line of Credit with PNC. The first 10 years were interest only and then reverted to a principal and interest payment plus a percentage. We have tried since the beginning of this mess to get answers from PNC and ha ve never received anything but promises that we will be receiving something. In  XXXX  of   XXXX   our letter of written request was approved by  PNC 's i n house counsel  XXXX   XXXX . As of today we have not received anything in writing to our questions. We have contacted  PNC by   phone, we have sent registered letters and still silence. We did modify the loan into a 15 year fixed principal and interest payment but we are not clear the amount that was modified is correct. All we want is our questions answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00} XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$170.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed inaccurate and incomplete information regarding XXXX XXXX XXXX XXXX XXXXXXXX with XXXX, noting that multiple paid months say No Data '' as well as inconsistent information being reported regarding the date of last payment and alleged delinquency. See attached dispute letter, credit report, and bank statements for XX/XX/XXXX, and XX/XX/XXXX, which are months where payments have not been reported to XXXX. 

I also disputed incomplete information regarding my SchoolsFirst FCU XXXX loan account with XXXX, because there are 11 months on the XXXX report that are inaccurate and incomplete regarding my Auto Loan payment history. See attached dispute letter, credit report, and bank statements for the incomplete months. 

After disputing with these credit reporting agencies, SchoolsFirst claims on correspondence dated XX/XX/XXXX that the information is accurate and there is nothing to update. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX : my Amazon Chase cc # was stolen while I was visiting my daughter in XXXX. Over the next year, I failed to closely scrutinize the Chase statement. Meanwhile, someone was making small purchases through Amazon. Not once, during the entire year, was I contacted by Chase about suspicious charges. 
XXXX XXXX : Again in XXXX, my wallet was stolen. When I opened the Chase account to shut down the card, I noticed the balance was about {$9000.00} more than it should have been. 
XXXX XXXX : I notified Chase of the fraud, and they returned all the fraudulent Amazon XXXX charges. Later that month, they changed their minds, stating that as my daughter had used my card, with my permission, in XXXX, where she lives and works, to make purchases, all the charges were therefore " valid. '' At that point, both my daughter and I submitted screen grabs of all purchases made at Amazon in XXXX. Not one of those contested Amazon XXXX charges appeared on either of our accounts. I also contacted Amazon to see what they could do, but as the fraudulent charges were not made through my account, or my daughter 's, they couldn't track the purchases and referred my back to Chase. 
XXXX XXXX : I took out a XXXX loan and transferred the fraudulent Chase charges to XXXX at half the interest rate. 
May 2020 : a retired police officer I know suggested I report identity theft with local law enforcement. That seemed like a waste of time in the time of Covid, plus I was 2000 miles away from XXXX, where the theft occurred. 
XX/XX/XXXX : XXXX sent information about what to do if one experienced identity theft. I followed those instructions and sent a letter to Chase via XXXX and the Federal Trade Commission. 
A few weeks later, Chase contacted me and asked that I resubmit my XXXX Amazon account screen grabs as a PDF, plus a letter from Amazon stating that they could not track the charges through my account. They also wanted a letter from Amazon stating that I'd changed my Amazon password in XXXX XXXX. I submitted those documents the same day. 
XX/XX/XXXX : Chase sent a letter through my account saying that the charges were still determined valid, and not to contact them again unless I had new information. HOWEVER, they also returned about {$5000.00} worth of the fraudulent charges from XXXX, leaving out those from the end of XXXX and all of XXXX -- when all of the lager fraudulent purchases occurred. I guess this is better than nothing, so I accepted the offer. 
My advice to travelers in XXXX is to use ATM machines -- NEVER use your card in any business establishment. I also advise that you leave your Chase card at home when you travel abroad as they are not interested in tracking suspicious charges and will not send fraud notices via text. They used to, but not anymore. I feel like, in the end, I got lucky -- but I'm still out about {$4000.00}. Even more painful in these Covid times.
Product: Checking or savings account

On XXXX I received a wire transfer from a friend from his Wells Fargo account to my wells Fargo account. Shortly after this transfer I was locked out of access to all 3 of my Wells Fargo accounts. I called and spoke to two different people in the fraud department and after 30 min was told I would not have access to my accounts for 10 days. I expressed my outrage at this since it meant that I don't have access to any of the funds in any of my accounts for 10 days. I called my friend that sent the wire and he contacted his Wells Fargo banker who said this sounded wrong and he would fix it immediately. It has not been fixed and I still do not have access to my ( the funds that were in my account before the transfer or the funds in the transfer ) money or my accounts. The fact that a bank can arbitrarily stop me from having access to funds that are legally and properly available to me is unacceptable and I hope regulated by some law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account appearing on my reports from XXXX XXXX XXXX is fraudulent. I've never had a XXXX account. The account was opened up fraudulently without my knowledge and or permission.
Product: Credit reporting or other personal consumer reports

My account with ( those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

In XX/XX/year> Barclays XXXX XXXX blocked my account and when I call them to find out why, they to prove my identity. They want the front and back of my ID and a faxed copy of my SSN card, I told them I wasn't comfortable sending my SSN so they said I could provide my 1040 front page and signature page. They claim that they can't read my ID through fax when the ID is clear on my receipt so I have to wait 7-10 days to even ask if they received it. I have faxed it 3 times and physically mailed it 2 times and they claim they still don't have it. It's now XX/XX/year> and the card is still blocked. They won't help me resolve it, there is XXXX balance on my card and I can't even log in to claim my points or even just find out why they blocked the card in the first place. 

Please help me i am at my wits end and do not know what else to do.
Product: Money transfer, virtual currency, or money service

I went to a truck stop and bought a netspend prepaid card and added {$80.00} dollars I then tried to activate the card and was told by netspend that my account was flagged for fraud! I asked them to explain what fraud happened but they refused to explain! And they closed my account and now they are refusing access to my money!
Product: Vehicle loan or lease

I paid my Hyundai XXXX lease as instructed and was told my title would be mailed to me. Hyundai claims to have sent it but I never received it over a month later. Hyundai refuses to do anything to remedy this situation leaving me with no title and no ability to register the car. Hyundai keeps offering to send a lien release or a letter of no interest but the DMV says these documents are useless. I can not get my name on a new title for the vehicle until Hyundai sends me their title. I have read several other reports of people being put through this horrific situation and never had important mail not arrive before so I am sure this is Hyundai causing this.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am writing to formally dispute the inaccuracies displayed on my NCTUE Report.

Upon reviewing my report, I identified a inaccuracy.

This misrepresentation must be corrected immediately.

THIS IS WILLFUL NONCOMPLIANCE.

Legal Violations The reporting of this account volatile provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : - Defamation of Character - Neglect Enhancement of Identity Fraud - Violation of the Fair Credit Reporting Act. - Violation under 15 U.S.C 1681o Civil liability for negligent non- compliance - Violation under 15 U.S.C 1681n Civil liability for willful non- compliance - Failure to comply with 15 U.S.C 1692 ( g ) - Violation under 15 U.S.C 1681b- Permissible purpose of consumer reports- Violation under 15 U.S.C 1681 ( i ) Method of Verification - Violation under 15 U.S.C 1681a Right to privacy - Violation under 15 U.S.C 1681c Requirements relating to information contained in consumer report.

Demand for Immediate Action I demanded that you are immediately : 1. REMOVAL/DELETION of inaccuracy account on report.

Failure to respond satisfactorily within 30 days will result in a small claims action against your agency. I will be seeking damages for all violations, as each violation carries a statutory cost of {$1000.00} under 15 U.S.C 1692k.

I expect this letter to be taken seriously and demand that this fraudulent and defamatory account be corrected immediately. If the requested corrections are not made. 

I will escalate this matter through legal channels.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Checking or savings account

i received 4 international wire transfers and Bank of America has charged {$15.00} fee each - I received international wire transfers and they waived their fees. I have been Bank of America customer for 15+ years in a very good standing and I would appreciate if they waive those fees
Product: Mortgage

I am filing a complaint against Ditech Finamcial L.L.C. I had a home fire on XX/XX/XXXX that caused major damage to mobile home forcing me and my family to have to relocate.While waiting for insurance claims and adjustments to be completed. I managed to make a payment on XX/XX/XXXX but not living in home. Insurance agent determined that it was est. of {$25000.00} worth of repair. On XX/XX/XXXX i received a letter of default from ditech and i was also informed to send checks from insurance claim. and have home repaid. Then in return they would issue me a refund after home was repaired. Due to my situation I could not afford my monthly payments at mobile home and have it repaired.