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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The repossession by EXETER FINANCE LLC. inaccurately reported on my credit file following a significant data breach, where over 4 billion Social Security numbers and personal information were exposed to hackers. Due to this breach, the integrity of my personal data has been compromised, creating a strong possibility of inaccuracies in the information reported. Under 15 USC 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, yet the breach casts doubt on the validity of the repossession. 

I have taken several actions : Filed a formal dispute with the credit bureau. 
Notified the creditor associated with the repossession. 
Submitted an identity theft report to the FTC. 
Despite these actions, the repossession remains on my credit report, causing significant damage to my credit score. The continued presence of this inaccurate information, particularly after a data breach, violates my rights under 15 USC 1681c-2 ( a ), which mandates the removal of information in cases of identity theft or compromised data.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by LexisNexis. I reached out to the bureau and they said Lexis nexis verified this bankruptcy belonged to me. I in turn reached out to Lexis nexis to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for LexisNexis to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.
Product: Credit card or prepaid card

About XX/XX/XXXX we ( my wife ) received an unsolicited offer through the mail from US Bank for their branded " ReliaCard '' debit card. The attached information included the explanation " The Colorado Department of Labor and Employment ( CDLE ) automatically issues a ReliaCard to every claimant who files for and is approved to receive unemployment benefits. '' We do not live in Colorado, she has never filed for unemployment in any state ever. We are of course concerned that someone is using her identity. However, because it came to our address in Ohio perhaps there is no identity issue. She did not " activate '' the card. Nevertheless, calling USBank numerous times and visiting their website has proven frustrating and fruitless. If this is simply a random offer to random persons to get their debit card into the marketplace, shame on them.
Product: Checking or savings account

BMO Harris flagged a check for fraud that we deposited. They froze our account. They did not notify us in any way. They locked our on line access told us it would take 14-30 days to clear. And told there was nothing they could do. So getting no answers we went into the branch office. The branch office couldnt get any cooperation from the fraud department. The owner of the check was devastated at the situation. The fraud department said it was a signature verification issue. So we even had the owner of the check available to come to bank office and verify. Not good enough. They made us prove the check had cleared his bank. So the owner had to prove It cleared his account. They made him go to his bank and get a copy of the cancelled check. 
So we did that. 
This turned into a 2.5 hour waste of a morning for 5 people so do the math All funds were transferred and received but our account is still on frozen The fraud department needs major improvement
Product: Payday loan

Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. 

How can I get out this company. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Capital One Financial Corporation violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
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 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A. State 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 1681 s-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 have multiple non mailable addresses on my credit report that each credit agency failed to remove once I identified the non mailable addresses to them. 

According to the Fair Credit Reporting Act ( FCRA ) credit agencies are to remove non-mailable addresses from a consumer 's credit report. The FCRA is a federal law in the United States that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Under the FCRA, I the consumer have the right to dispute incomplete or inaccurate information in my credit report. When a consumer disputes information, such as a non-mailable address, the credit reporting agency is required to investigate the dispute. If the credit reporting agency can not verify the accuracy of the information, it must delete it from the report. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address.
Product: Credit card

Consistently, I've made sure payments on this account are prompt, never allowing them to be overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I have disputed this information with Portfolio several times via the Credit Bureau being that this debt does not belong to me.
Product: Debt collection

I am writing to formally submit a complaint Against XXXX XXXX XXXX XXXX XXXX XXXX regarding their failure to verify a debt and their subsequent sale of the debt to Credit Control LLC Details of the complaint : On XX/XX/XXXX I sent a certified debt verification letter to XXXX XXXX  XXXX XXXX XXXX XXXX .

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying they had initiated an inquiry with XXXX XXXX XXXX the current servicer of the debt being reported for {$230.00}. 
On XX/XX/XXXX, after filing a complaint with CFPB, I received the second response from XXXX XXXX XXXX on the account that included only a letter and some statements. 
On XXXX XXXX, XXXX I received a third letter from Credit Control LLC trying to collect on the same debt that XXXX has failed to properly verify since the initial dispute was sent more than 90 days ago In fact, only after filling a complaint on XXXX XX/XX/XXXX did I receive another response from XXXX XXXX XXXX XXXX XXXX compliance department in which he included some statements on the account. This failed the 30 day rule and also proper debt verification process ( by sending just statements on XX/XX/XXXX ) In addition to that XXXX XXXX XXXX failed to notify me of the debt sale within 5 days of their initial contact and my rights to dispute the debt back on or after XXXX XXXX when XXXX XXXX XXXX initially acquired the account as stated by XXXX from XXXX XXXX XXXX Issues : Failure to provide verification of the debt upon request, which is a requirement if the consumer disputes the debt Engaging in practices that are deceptive or misleading in the collection of the debt Reporting inaccurate information to credit bureaus if they can not verify the debt before reporting it Failing to provide information on the debt when requested Not notifying me of the debt sale/ assignments within 5 days and my rights to dispute the debt and also illegal debt sales ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more recently Credit Control LLC ) I am requesting that CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for these violations Thank you for your attention to this matter. I look forward to your response
Product: Consumer Loan

I had sent the company Ace Cash Express a letter stating I was revoking an ACH authorization they complied and then today I received an ACH debit on my checking account from an XXXX XXXX. First of all I do not know who XXXX XXXX is nor have I had any dealings with them and they took XXXX out of my checking account. I can not have people I do n't know taking money out of my account. This is absurd to me. I find it fishy because it is the same amount I had with Ace. I am a mother and I have been very sick and every little penny counts.
Product: Student loan

This complaint is to follow up on my previous complaint against Mohela, which has been closed, but the issue remains UNRESOLVED. According to Mohela 's XX/XX/XXXX response to my previous complaint that I filed with CFPB : " ... ... .your refund request was processed as of XX/XX/XXXX. As a result, a check in the amount of {$540.00} will be issued from the U.S. Department of Treasury to XXXX. '' However, XXXX who manages my student loan refinancing still has NOT received the refund for my overpayment of {$540.00}, and it has been more than 90 day since Mohela claimed they have processed this refund. When I spoke to an advanced agent at Mohela on the phone on XX/XX/XXXX, I was informed this refund should take only 2-3 weeks from XX/XX/XXXX, and it has been more than 5 weeks and my current student loan servicer XXXX still has not received this refund.
Product: Debt collection

My social security check has been garnished without any notice or allowing a chance to disputed. When I call frequently to ask about the debt I am told that is not the name on the debt. They are literally taking food out of my mouth without any remedy. This is very abusive and I do not understand how this can happen. Ive been a frequent victim of identify theft and when I try to explain that to them it falls on deaf ears. This is the US government doing this! I do not have any documentation for this but they still take my money every single month. I have requested information but was refused. This is a violation of my rights.
Product: Checking or savings account

XXXX of my checks have been stolen. This happened last XXXX. XXXX to my mortgage company and XXXX to my XXXX. They were clearly forged on the back but Truist let them clear and now I have lost close to {$3000.00} I have called Truist fraud many many times and I have physically been to the bank several times and they will not help. They keep telling me someone will call me but they never do. Truist should be investigating the account that the money went into but they are just giving me the run around.
Product: Mortgage

It appears once again that Wells Fargo Home Mortgage is working illegally with the Attorney XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, California XXXX, who is an evil-minded, cruel, and unethical eviction attorney who is representing XXXX XXXX XXXX XXXX, who is also on Wells Fargo 's payroll to purchase homes illegally throwing families out into the street. Again, XXXX XXXX XXXXXXXX XXXX is the crooked company who stole my family 's home at the auction, and is paying BIG money to Attorney XXXX XXXX # XXXX to continuously harass my family and me by sending us threatening letters, and phone calls attempting to steal our home and throw us out into the street. Of course this was at the direction of Wells Fargo. Had my magnificent Mother, XXXX XXXX XXXX, who is the account holder had been alive, she would have been XXXX years old on XX/XX/XXXX of this year. Wells Fargo, was continuously harassing my Mother when she was alive, threatening her with notices, which increased her stress level, causing her to become ill and unfortunately passed away a few years ago. My Mother had a lawsuit in place against Wells Fargo for unfairly taking advantage of her as a senior, and practicing predatory lending practices against her. Unfortunately, Wells Fargo was trying to throw my XXXX year old Mother into the street. Go figure ... Presently, Wells Fargo has teamed up with several of their cohorts to attempt to destroy our families dream. Quite naturally, this TRILLION dollar company is steadily denying any wrongdoing whatsoever. This is how Wells Fargo has managed to become a trillion dollar predatory lender due to the fact that this horrific company has attempted to steal the dreams of middle class families illegally, committing fraud for many years forcing middle class families out of the homes, which is why the former CEO of Wells Fargo, whose name is XXXX XXXX XXXX has be forced to step down by Congresswoman XXXX XXXX. It appears, however, that the general counsel who has interimly taken over as CEO, XXXX XXXX XXXX, appears to be just as crooked as XXXX XXXX XXXX. Wells Fargo needs to be shut down, and many other class action lawsuits should be filed repeatedly, and dismantle this TRILLION dollar corrupt lender, until they file bankruptcy, which I am positive will be transpiring very soon. I will have the editors of prominent newspapers, and the eyewitness news to broadcast how the corrupt attorneys who are on Wells Fargo 's payroll AKA XXXX XXXX, and the infamous attorney XXXX XXXX XXXX, # XXXX in Cahoots with XXXX XXXX XXXXd XXXX XXXX XXXX, XXXX, who actually conducted the illegal sale of our home, and others. Wells Fargo, you need to surrender, and give my family and opportunity to stay in our Mother 's home, and not attempt to steal our family 's legacy ... .Wells Fargo XXXX al., Attorney XXXX XXXX XXXX Attorney XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, how can you sleep at night, knowing that you are destroying and dismantling families all over this state and the nation?
Product: Checking or savings account

My M & T Bank account was fraudulently charged through XXXX XXXX for {$960.00} on XX/XX/2020. I noticed it right away and called and reported the fraudulent charge to XXXX XXXX and my M & TBank. I had my debit card shut off and a new one sent to me. I started a claim with my bank and it was later denied. I appealed the denial at my local bank branch and that was also later denied. The Bank stated that the merchant provided proof of purchase but I in fact never made this purchase nor have I received any evidence of the proof of purchase.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS IN A CHARGE OFF STATUS AND THE COMPANY HAS NOT PROVIDED A 1099C
Product: Checking or savings account

Transaction Date:XX/XX/2019 Transaction Time:XXXX XXXX Term ID : XXXX Sequence Number : XXXX Deposit Amount : {$2600.00} I was depositing {$3500.00} ( XXXX dollar notes ) to my checking account at the drive through ATM and the machine gave back {$900.00} dollars and the screen said {$2500.00} received and since there was a {$100.00} dollar difference i cancelled the transaction thinking I'll go in person and deposit but after pressing cancel, the machine asked me to take my card and printed a receipt which said Call a XXXX number to make sure the transaction went through. I called that number immediately and the customer service tech from Chase said they will credit my account within 12 hours. I called them after 12 hours and they said call back after 6 hours. I called them again after 6 hours and they said it will take them 10 business days to investigate this transaction. Not sure what to do at this point. Please help ... .. I have the receipt with me.
Product: Checking or savings account

I was told that the adverse action was incorrect. But, decision still stands. I previously went through the identification process so I know that can't be the case. They can just check the phone records and confirm this was completed properly.