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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act - Section 15 U.S.C. 1681b Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, as authorized by the Fair Credit Reporting Act ( FCRA ) under Section 15 U.S.C. 1681b. After thoroughly reviewing my credit report, obtained from your agency, I have identified certain discrepancies that require immediate attention and correction.

Please find below the details of the disputed information : Explanation of Dispute : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal prosecutor consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions to the accounts listed IMMEDIATELY!

Furthermore, I am enclosing copies of relevant supporting documents, including but not limited to receipts, statements, or other evidence that substantiate my claim. I kindly request that you investigate this matter promptly, as the incorrect information on my credit report negatively impacts my creditworthiness and financial well-being.

According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice. I expect you to contact the creditor in question and verify the inaccuracies as part of your investigation. Once complete, I request that you provide me with a written response detailing the results of your investigation, including any changes or updates made to my credit report as a result.

In accordance with the FCRA, I also request that you inform all parties who received my credit report within the past six months of the dispute and provide them with the corrected information. 

I appreciate your attention to this matter and your compliance with the FCRA. Please consider this letter as an official notice and be aware that I will not hesitate to take further legal action if my rights under the statute are not properly upheld. 

I look forward to your prompt resolution of this dispute and the subsequent correction of my credit report. Thank you for your immediate attention to this matter. 

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

I find it very hard to believe that a proper investigation was conducted by the credit Bureau when only the year of my birth was on my credit file. They did not have the month and day i was born on my credit file. They also did not have the correct and current employer. Due to these important pieces of information being inaccurate or missing. I find it nearly impossible for them to conduct an accurate and true investigation. They denied my disputes time after time but how could they conduct their investigation without my date of birth and current employer being on file. I will be sending a dispute letter to your bureau on XX/XX/2021 with all the inaccuracies on my credit file. And due to your failure to conduct an accurate investigations on my disputes i feel that my requests should be honored. Because i have proof that my date of birth was not on my credit file and your bureau denied the dispute without that very important piece of information. I also reached out to the creditors CEO 'S and i have letters from two credits stating that they will extend a goodwill adjustment to me. These letter will be attached to the XX/XX/2021 dispute letter. Due to these inaccuracies and your bureaus failure to conduct an accurate investigation my credit score has dropped 47 points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Late Payment Reporting Dear, To Whom It May Concern I am writing to formally dispute the late payment entries reported on my credit report associated with my account. I believe these entries are inaccurate and unfairly reported due to non-compliance with the Truth in Lending Act ( 15 USC 1666b ). 

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  According to this statute, a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure that each periodic statement, which includes the required disclosures from section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. I have not received the periodic statement as required, and I have requested proof of this mailing in good faith, but I have not received the necessary documentation. 

The failure to provide the periodic statement in a timely manner is not only unfair but also illegal, and it has negatively affected my credit report. Therefore, I am requesting the following : 1. A review of my account and the removal of any late payment entries from my credit report.

2. Documentation proving that the periodic statements were mailed or delivered to me at least 21 days before the due date. 

Please consider this letter a formal request to rectify this situation. I expect a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If I do not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have been contacted several times by this law office about debt and requested several times that they send me the information. The guy on the phone stated that they had and someone signed for it and I repeatedly told him I had not received anything. 

They proceeded to list this account on my credit report and I have XXXX XXXX from canceling this lease so they are reporting a debt I am not liable for through XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been 30 days and this company is in violation of this law because im a victim of identity theft. Please delete these items as soon as possible.
Product: Credit card or prepaid card

Capital one quick to report negatives like being over the limit but extremely low on posting updated payment causing lowering of credit score ... .in my opinion deliberate scammers!!! And you do nothing about it. Join the club.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX  Account Number XXXX XXXX DEPT OF EDXXXX Account XXXX XXXX  XXXXXXXX XXXX Account Number XXXX XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX card with American Express. I had understood there to be no annual fee. This was fine for 1-2 years, but then ( according to Am Express ) my " grace period '' expired. 

On/about XX/XX/2022 I was assessed a {$95.00} fee. I don't regularly use credit cards, and believe I did not receive a statement in the mail saying I had been assessed a fee. 

On XX/XX/2022 I learned of the fee when checking the junk mail of my email. I tried disputing it online and was unable to get the " person '' on the chat to talk about the fee. I called them at the number on the website ( XXXX ). 

I spoke with customer service for about XXXX XXXX. I explained my understanding to have been that this card did not have an annual fee. I asked for them to waive the fee and change me to a free card. They refused to do this. They explained that Am Express " wasn't allowed '' to do it because it was >30 days old. I asked for the name of the company regulator, and they refused to tell me what regulator I could use to determine if I was required to pay it. I'm hoping CFPB is the right one.
Product: Credit reporting or other personal consumer reports

XXXX not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Mortgage

OCWEN LOAN SERVICING , LLC continues to use the United States Postal Service to mail fraudulent statements to me on a monthly basis, claiming I owe them over {$500000.00}. I never contracted with OCWEN LOAN SERVICING , LLC . They continue to telephone on a weekly basis demanding unsubstantiated amounts, usually in the range XXXX of dollars at a time. I have written many times asking for verification of this alleged debt and have not received proof they are the holder in due course.
Product: Credit reporting

RE : TRANSUNION I wanted to dispute an item on the Transunion online site but could not gain access. 
I had to register as a New User. 
I tried XXXX ( XXXX ) different user names to use and they were all rejected. 
There is a XXXX in XXXX chance that ALL of the names I tried to use as my user i.d . could have been already in place by " another '' user. 
They ( Transunion ) set up a special " button '' to use to file a dispute, .... however it does not allow you access. 
Additionally, there credit score numbers are always significantly lower than the other XXXX reporting agencies which has a negative affect on a persons credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Late payments reported XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Late payments reported XXXX XXXX XX/XX/XXXX BMW FIN SVC Opened XX/XX/XXXX Late payments reported XXXX & XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, XX/XX/XXXX, I was the XXXX XXXX XXXX XXXX where I was XXXX of all my documents and banking information. Because of this, I decided to review my credit report and I noticed some inquiries that were made without my consent. I appreciate your help in removing this from my records. 

The inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX IN XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, Experian keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.
Product: Credit card or prepaid card

Verbally advised they were in violation for the XXXX XXXX Act. Every single BANK I SPEAK WITH AND QUOTE THIS LAW TOO. DOES NOT CONFORM. I have been hung up on, told they do not have ID NUMBERS AND REFUSE TO COMPLY. They will not honor that I have a federal right to speak to anyone in that company per federal law. And will not comply. The will follow FCRA LAW. Lengthy hold times, inaccurate information and numerous transfer because they abuse a XXXX American that worked there and has verified they still study laws every year. This is pure and utter RETAILIATION. Which is also against the law. Or do you enforce anything? Thank you for holding this bank accountable for their lies and manipulation from someone who worked there and verified Inahve been lied to on multiple calls on XX/XX/2022. I have an open fraud case also. Went to the branch office, as the frauXXXX department would not answer the phone aft a long wait. They refused to help even though I have a fraud charge and abuse of elderly. The looked at me like I have the PLAGUE WHEN I quoted them the law they study every year. I am totally disgusted with AMERICA. You sit there and make hug salaries. And state this and that and call yourselves honorable. Actions speak louder than words. Is there any action left or only WORDS THAT ACCOMPLISH NOTHING. Please do some freaking due diligence and see the hypocrisy. Do it, dont play patty cake and ask them. INVESTIGATE AND PROSCUTE. Or there is no law. Only what you do and dont get caught. Thank you.
Product: Debt or credit management

I have been asking tomo boost for over a month now to close my account with them they keep giving me the run around wanting me to stay.I want my account closed with them now asap and I want proof they did.No money is owed on this account I want it closed before they try to take more from my checking account.Tomo boost
Product: Money transfer, virtual currency, or money service

I was scammed while trying to purchase event tickets through Zelle. I saw the person twice because they told me that they wanted to receive the full amount before they could send me the tickets.I made the payment to a seller who turned out to be fraudulent, and I did not receive the tickets I paid for. I immediately contacted my bank to request a cancellation and refund of the transaction, but they denied my request, l because Zelle transactions are irreversible.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
Product: Credit card or prepaid card

Many attempts have been made to link my capital one credit card account to my online banking account through XXXX XXXX. Every time I try, I get a message stating that capital one is " blocking external applications '' from accessing it. I need to be able to see my financial data within my banking app to be able to send payments to it with my checking account, so that they will actually post the payments the day they are received instead of holding the payment from the available credit for 3 days after receipt of the payment, which they do if you " pull '' the payment with capital one instead of " push '' the payment with your bank account to protect themselves against false fraud accusations. I should be able to access my financial data in any way I please, as it is MY finances that are at risk if I am not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report that I did not authorize.
Product: Credit reporting or other personal consumer reports

I did not authorize these Inquires and this collection company.
Product: Debt collection

The situation is as follows : Portfolio Recovery Associates, LLC ( PRA LLC ) is  reporting to the credit reporting agencies that I have a debt of {$650.00}. 
The claim is that the seller of the account was XXXX XXXX. I have no record of this account and asked to see validation according to the FCRA. PRA LLC failed to follow the guidelines as to acceptable validation documentation.

PRA LLC provided me with a copy of a bill that I have never seen before.The bill was a incomplete bill as it did not contain lines of itemization in order to see what dates the purchases were made and as to how the amount has been calculated.

I have never entered any contractual agreements with PRA LLC and do not plan to in the future. Again, I do not have any records or recollection of this account.

PRA LLC has stated that it has ended its investigation and that they have established its validity. PRA LLC has not established validity that the stated account belongs to me. 


Regards, Mr . XXXX
Product: Checking or savings account

Wells Fargo has an abysmal fraud and customer service department. After logging into and creating a new billpay profile for a new mortgage loan company, I scheduled automatic payments and an interim payment. I was required to confirm via a code sent to my mobile phone that I was the one authorizing the account and engaging in the transactions. Later, I received a fraud alert call from Wells Fargo asking if I had set up the new bill pay account, the name of the payee, and the payment. I confirmed each. The Wells Fargo employee continue to ask me asinine questions. Ultimately, the person hung up the phone and locked my account. I had to place two calls and go into a branch location to get my account unlocked. I have withdrawn my funds and will bank with someone else. Wells Fargo interfered with my ability to access and use my funds even though they had sent up numerous security features to protect against financial fraud. Wells Fargo is an abysmal example of a financial institution in that it puts itself first and its customers last. Its customer service employs various individuals who are slow and extremely lacking in any ability to avoid an inefficient resolution of a problem that they created. I don't have to be polite when Wells Fargo is interfering with my access to my money. I don't have to be polite when Wells Fargo sets up hurdles to resolve problems they created. I won't do business with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name :XX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX DATE OPENED Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen. 

i am a victim of identity theft and my information was used without my consent these are UNauthorized inquiries on my account please block and remove these UNauthorized inquiries XXXX ) Company or Organization : XXXX XXXX XXXXXX/XX/2022 XXXX ) Company or Organization : XXXX XXXX XXXX XX/XX/2022 XXXX ) Company or Organization : XXXX XXXX XXXXXX/XX/2022
Product: Money transfer, virtual currency, or money service

Tried to send some money and also tried to receive some money and never came through but on the persons other and they said that it came through tried to reach out to cash app could not get anyone