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

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX has violated my rights. 

1

5 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 1692C Without the prior consent of the consumer given directly to the debt collector or the ex
press permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Product: Credit reporting or other personal consumer reports

This is one of my many attempts to inform credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently I applied for credit through Wayfair, an online store and ordered something. I don't even know what. There appears to have been a credit card issued only to use for the store. I saw on my credit report a company called Comenity Bank/Wayfair reported I did not pay my bills. I've never received a bill. I have no clue what is going on. I've tried to call the phone number of this credit card company and they always hang up when I ask for proof of purchase. 

So finally out of sheer frustration I paid the bill just to get it off my credit report. But here is what I'm asking CFPB to do. Please find out how I can get a report of what this is about, when the order was placed, how I can clean up my credit report with this credit card company ( I had excellent credit )? Please help!
Product: Consumer Loan

I have had a car loan through Ally Financial Inc. for three years. I have had many issue 's with this company starting soon after. There have been a total of at least XXXX checks that have been " lost '' by this company. Forcing me to reissue the check. The call center for this company is located off-shore. The individuals working in the call center do not speak clear, concise English. They are unable or unwilling to help. Though they have no trouble in using many different bully tactics to intimidate and threaten. I have received up to 10 calls in a day. These calls are robo-dialed, when I answer the phone, I have had to hold on for up to 3-5 minutes to waiting on XXXX of these individuals to come onto the phone. The calls can come every 15 minutes, or every two hours. This company states they may record calls for quality assurance and/or training purposes. However, if told that they are being recorded, they state that they can NOT be recorded. I attempted to be nice in the beginning. I have now become just as rude and mean to these individuals in the same manner as they are to me over the phone. Ally encourages and condones the questionable business tactics used by these call centers. The one time that I did speak to an individual who was located in Texas. I was called " racist '' for having the utter audacity to complain about the inability of the off-shore call center to speak clearly and their inability to answer the most simple of questions. Now, for the first time, my loan has went past the 30 days, due to the fact, yet another payment has been lost, not received or not posted in a timely manner. Which adds another late fee, in addition to being reported to the credit bureau ( s ). I have resorted to sending payment with a delivery confirmation, which is an additional expense of XXXX-XXXX dollars, when I am able to. It is my firm believe that this company is conveniently loosing my payment in retaliation for my not quietly accepting the treatment by the associates, agents, employee and/or representatives of this company. The bully tactics, harassment, intimidation and threats, which are both express and implied, are going to have to stop. If this company expects respect then they need to show a little respect. The added stress that is directly related to Ally and their less than professional business tactics have started to affect my health. I would like for an investigation to be conducted concerning this business. This business needs to supply the requested documentation. I do not believe that a company can loose XXXX or more payments in three years. The bullying and revenge/retaliation tactics need to stop. I am considering bringing a legal suit against this company and will include the mental and emotional distress caused by this company.
Product: Debt collection

I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years  ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.
Product: Credit reporting or other personal consumer reports

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to Citizen 's Bank, the holder of my mortgage. Citizen 's Bank mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called Citizens to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though Citizen 's collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Synchrony Care Credit is reporting account payment status incorrectly as a charge-off despite furnishing proof this account was settled in full. The correct payment status is settled in full.

2. Synchrony claims an incorrect balance despite receiving a refund in the amount of {$600.00}. 
3. I have called Synchrony Care Credit 17 times and gotten no resolution.

4. I have filed multiple disputes directly with synchrony proving they are inaccurately reporting payment status as a charge off. 
5. Synchrony is reporting the charge-off dates incorrectly. As made evident by the settled in full letter from XXXX XXXX. Stating the account was settled in full on XX/XX/2014. They claim it was charged off in XX/XX/2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education XXXX XXXX : I am no longer connected with XXXX, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of EducationXXXX removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call on XX/XX/2015 from a collection agent named XXXX XXXX XXXX stating that I owed them money or they were going to take me to court and have me served and arrested. I stated I wanted a validation of this debt and he stated that I would get it when I was served and to pay my debt. I again asked what this was in regards to and denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told once paid off they will removed account in its entirety. Showing up on my report as closed with XXXX balance. But should be removed period
Product: Credit reporting or other personal consumer reports

This Company is The Original Creditor And Sold My Information to a third party without My written Agreement Everything am asking This Company For They are Not Giving me anything. I am asking For a copy Of the contract I Have With Them And They Never Send It And They Took Off The Late payments and put them back on my account I never made a payment at all. So I do not know where They getting this late payment from
Product: Checking or savings account

My debit card was used with no auth by me and XXXX was taken out of my account. 
I filed a dispute and was given a date of XX/XX/2022 that funds would be reversed during investigation. 
I have had this account for 3 years and never spent like this. 
It was clear as day unauthorized. 
I have multiple emails to and from the fraud dept basically dragging me along. 

I live on a fixed income and desperately need my money returned as I have a XXXX XXXX XXXX my husband with XXXX XXXX XXXX XXXX XXXX XXXX ... the bank is chime banking..
Product: Credit card or prepaid card

I paid off my Victoria Secret card in full over a year ago and continue to receive interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank has proven to be incompetent and untrustworthy yet again. On XX/XX/2023, my employer transmitted {$400.00} to Wells Fargo Bank. It was transferred via direct deposit. When I logged into my account on XX/XX/2023, I noticed the deposit had not yet been updated in the bank 's system. It has been XXXX business days and the bank claims to be in non-receipt of funds transferred to them. When I called and spoke to bank representatives, they were not receptive and lacked listening skills. Instead, they appeared to be reading scripts like robots. Please investigate this bank and help me locate the funds they claim to have never gotten!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to delete two fraudulent accounts from my credit report. One was recently deleted and later re-inserted without reason or notice.The Bureau Even added a fraudulent address to my credit report that doesnt belong to me nor connected to any of accounts on my profile. 

The accounts go as follows : Santander Auto loan and a Fraudulent XXXX bill reported By XXXX XXXX XXXX XXXX. 

The account was included in an identity theft report I submitted to the bureau two months ago. I Also Added a official police report, copy of my drivers licence and social security number Under federal credit reporting act section 605b these account should be blocked from my credit report, however XXXX credit services has violated the law over and over by refusing to remove fraudulent account and even re-inserting without explanation. 

If these account arent removed from my credit report immediately.I intend to sue XXXX credit services in small claims court.
Product: Credit card

Charge : {$280.00} on XXXX, and according to Citibank transaction record, XXXX XXXX XXXX '' at merchant, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

A second charge was also attempted that day on my Citibank card which was declined due to fraud suspicion ( which I confirmed as such ). The first charge was deemed my responsibility since a card was supposedly presented. 

However, even though the cards were in my possession that same day as the fraud activity took place, my phone geolocation data has me and my wife ( other authorized user ) over 30 miles away from that merchant ( we have also never done business with that merchant before nor have I been in/near that town for at least a decade, likely at least a couple decades- only reason I can't claim longer is I moved away from that area XXXX yrs ago ). 

If a card with XXXX was presented, as claimed by Citibank, there are now people cloning cards or faking cards with such technology ( I see some XXXX articles about such ). The quick closure by a financial institution despite trying to assert I was nowhere in the vicinity and placing the payment responsibility on me is inappropriate. 

Please let me know my options to resolve.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

Hi and how are you doing? How's COvid-19 treating you - safe? I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Product: Credit card or prepaid card

As of early XXXX, Chase online banking no longer works under XXXX XXXX XXXX, XXXX XXXXXXXX, or XXXX. XXXX 's newer OSs - XXXX and XXXX XXXX - won't run the music production software used by recording studios. 

I need to be able to access online banking on my desktop XXXX so I can print out my credit card purchases and business account information for doing my taxes. Chase bank quit sending paper statements a few years ago - not something I requested. I prefer paper statements for doing my taxes, but they don't offer it anymore, or if they do, they don't make it clear how to restore paper statements to my 4 accounts. Plus, I'll need paper statements from XX/XX/2021 through today. 

Chase is telling me, if I want to be able to do my taxes, I need to buy a new computer that I won't be able to use for my business of music production.