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

After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX  ACCT # XXXX on XXXX Credit Report, XXXX Acct # XXXX " XXXX 30 days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in Equifax data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  Account XXXX XXXX card Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX accordance with the XXXX XXXX XXXX XXXX XXXX Account listed above has violated my rights 15 U.S.C 1681 under 602 A States I have a the right to Privacy 15 U.S.C 1681 Section 2 :. It Also states that the consumer reporting agency XXXX XXXX an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of inaccurate personal information from my credit report maintained by your bureau. I have recently reviewed my credit report and have identified several discrepancies that need to be rectified, immediately.. I have listed the accurate personal information and relevant details : Any information not listed below please remove. 
1.Accurate Legal Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX Telephone Number : XXXX 4.Accurate Employer Name and Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Information : No Spouse 6.DOB XXXX XX/XX/1975 XXXX Address : XXXX I kindly request that you delete the inaccurate personal information from my credit report as soon as possible. Please note that the inclusion of such inaccurate information can have a detrimental impact on my creditworthiness and may affect my ability to obtain credit or loan approvals. Furthermore, I would appreciate your assistance in notifying all third-party entities, including financial institutions, creditors, and any other organizations that may have accessed my credit report, about the removal of these inaccuracies. This will ensure that they have the most up-to-date and accurate information regarding my personal details. In compliance with the Fair Credit Reporting Act ( FCRA ), As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I also request that you provide me with a written confirmation of the removal of the inaccurate information from my credit report. I understand that, as per the FCRA, the credit bureau is required to inform me about the results of the investigation and any actions taken to rectify the inaccuracies. Additionally, I reserve the right to dispute any incomplete or unsatisfactory investigation results. Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost diligence and professionalism. 

Sincerely : XXXX XXXX XXXX
Product: Credit card

Citi card misrepresented what would happen when I had to request a new card due to fraud. The service person said that I would have access to all the transactions and information from my previous card number - no problems or issues at all, making it sound very simple. HOWEVER, my only online informaion is from the new card number. My previous card transactions are gone. They said they could send hard copies, but that is NOT what they indicated would happen. HAD I KNOWN THIS BEFORE, I would have exported all the information I needed. Poorly trained customer service people.
Product: Debt collection

I have made payments, yet you report that I am " past due, '' you report " terms, '' when no terms were set, you decrease, then increase, the amount reported to the credit bureaus. You have even gone so far as to place paid in full accounts back on my credit report. I'm XXXX XXXX. Is this how you get your kicks? I honestly do not understand how you're permitted to report anything. 
Your actions have cost you as of late. I don't feel sorry for you. Report accurate info. It can't take any more effort than you are already expending when you report false info. 
Btw, I have zero debt with you. You are merely agents for the companies that I owe. I don't pay you anything. I pay them. They do not consider me late and certainly can do math to determine what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX to open a checking account and my request was denied by XXXX XXXX do to Adverse Information listed on my Chex Systems Consumer Report : XXXX. I shouldnt have any adverse information on my consumer report. The following information listed on my Chex Systems Consumer Report is fraudulent and not my accounts : XXXX XXXX XXXX, XXXX   XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX XXXX. I have never opened a checking account with the banks that are listed. I have a police report on file with Chex Systems for being a victim of identity theft.
Product: Vehicle loan or lease

Bought the Car 3 weeks ago without issue and just received a letter that states that they are taking the loan back and it is not approved and I have 30 days to secure financing again after I signed a Contract and it was approved and I was even contacted and told that they were offering a Lower interest rate to me that would lower my payment like XXXX dollars a month or I could get the Gap Coverage and Now this I dont understand how they can do this after I signed a contract and have had the car for 3 weeks and now they just want to renig on the contract like I was never approved ... I find it funny their letter says that I was declined but I was not only approved but once they checked they stated that my credit was better and offered a lower interest rate and lower payment or GAP coverage at no additional charge because of the improved credit and now they don't want to honor the contract they entered into with me
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated. 

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 XXXX  days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX Social Security : XXXX XXXX Equifax XXXX To Whom It May Concern, [ Date : XX/XX/XXXX ] URGENT MATTER I am writing to formally dispute and request the immediate removal of fraudulent accounts and information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent entries and will be challenging them based on violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
I request the removal of the following fraudulent non-mailable addresses : XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Additionally, I request the removal of the following fraudulent accounts from my credit report : XXXX. XXXXXXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX. XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Card XXXX. XXXX, Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Card In accordance with the FCRA, I demand that you comply with the following provisions : 15 U.S.C. 1681 : I have the right to privacy and confidentiality, and the listed fraudulent items must be removed from my credit report.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may report any information that is adverse and exceeds seven years from the date of occurrence, except records of criminal convictions.

15 U.S.C. 1681s-2 : A person or entity shall not provide any information to consumer reporting agencies if the information is inaccurate, and your company is responsible for ensuring the accuracy of the accounts listed above.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information provided to them.

If the above accounts and addresses can not be verified within the 30-day period stipulated under FCRA Section 609 and 611, they must be removed immediately. Failure to comply will result in legal action, and I reserve the right to file a small claims action against your company for any damages caused.

Please confirm receipt of this letter and provide the necessary documentation verifying the legitimacy of the fraudulent accounts listed above. I expect a response within 30 days, as mandated by federal law. Failure to provide a satisfactory response will result in legal action.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. Equifax received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and XXXX  received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Product: Checking or savings account

This is not a duplicate complaint. I am writing to express my deep concerns regarding the position that the Consumer Financial Protection Bureau ( CFPB ) has allowed Wise to maintain concerning the withholding of transaction details. According to the Electronic Fund Transfer Act ( EFTA ) - Regulation E, I am entitled to comprehensive information regarding all transactions affecting my account, including the reasons and legal bases for any reversals. The CFPBs acceptance of Wise 's decision to withhold such critical information seems to be at odds with these legally mandated rights. 

Furthermore, I have reasons to believe that none of the reversals processed on my account were justified as there appears to be no legal basis for such actions. I have been a client of Wise for many years and maintain a pristine history of transactions, which supports my position that the reversals were improperly handled. 

If this issue is not resolved in a manner that complies with the legal rights afforded to me, I will feel compelled to escalate the complaint to the Office of the Inspector General, which oversees the activities of the CFPB, to ensure that my consumer rights are fully upheld.

To rectify this situation and ensure adherence to legal and regulatory standards, I respectfully demand the following actions from Wise : 1. Detailed Disclosure of Transactions : Please provide a full list of all transactions that were reversed associated with my account, including detailed amounts, dates, and the identities of the original remitters. This disclosure should also include the specific reasons for each reversal, supported by relevant transaction logs and communications.

2. Legal Basis for Reversals : I request a clear explanation and documentation of the guidelines and criteria used by Wise to determine the necessity and justification for each disputed transaction that was reversed, in compliance with the EFTA and other applicable regulations.

3. Opportunity to Submit Evidence : I ask that Wise provide me the opportunity to present evidence regarding the disputed transactions. A fair and transparent resolution process requires that both parties have the ability to submit and review all pertinent information and documentation related to the disputes.

4. Independent Review : Should it be necessary, I suggest that an independent mediator or arbitrator review the disputes to ensure an unbiased resolution. This mediator should be agreed upon by both parties and have the authority to enforce a binding decision based on the evidence.

These steps are essential to restore my confidence in the fairness and integrity of Wises transaction handling processes and to ensure compliance with the spirit and letter of consumer protection regulations.

Please respond to this request, so that we may resolve these issues promptly and equitably. Failure to adequately address these concerns may lead me to pursue further legal actions. 

I appreciate your cooperation and look forward to a just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and equifax deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.
Product: Debt collection

I have been in extr  eme financial hardship -- after I pay rent I have only {$40.00} to life on.
I called Walmart/Synchrony Bank and explained the situation ( I have NEVER been late before in over 1 year since I got the card ). T  his was 2 months ago and since then I have been receiving threatening and harassing calls abou  t 12X a day at all hours.
I am being harassed, threatened and intimidated. No one should have to be treated like this -- in addition they are putting on ou  trageous late fees AFTER I called and explained and asked to work out a payment plan.     This is outrageous and is affecting my health.
Product: Debt collection

Received text from XXXX stating the following : Golden1 Credit Union : {$120.00} spent at XXXX  ( XXXX XX/XX/year> ), Reply YES to confirm or visit http : XXXX XXXX to dispute. 
receipt # XXXX It is a very obvious scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following items completely from my Credit Reports : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have requested three or more times now that all negative accounts on my credit reports be investigated as they are not familiar, and my XXXX XXXX should have XXXX balance after 20 plus years of payments so past the statute to collect on them after this amount of time per law the balance left is to be canceled and I also have ten years of eligible employment for the FMLA from XXXX XXXX XXXXXXXX XXXX, State of IL IDES and Dept of the Treasury IRS. Yet XXXX just keeps getting the dispute and just turning around and not investigating and a day later sending me the same information, THIS IS ILLEGAL!!! ENFORCE THE FDCPA AND FCRA LAWS!!! I have provided a copy of my student data file for XXXX, these loans did NOT restart when the government changed loan servicers, but they started way back in XXXX and were consolidated by the government twice!!! It is THEIR JOB to have all of this information and not MINE to provide it to them!! Yet I still provided it!!! I want this complaint shared with the IL ATTORNEY GENERAL AND I WANT ALL CORRECTED AND REMOVED NOW!! AND DO NOT CLOSE ANY COMPLAINT AGAINST THEM ALL UNTIL ALL IS CORRECT AND FINE THEM DAILY UNTIL THEY DO CORRECT ALL!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PHONE NUMBER : XXXX XXXX : XXXX SSN : XXXX Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several inquiries listed on my Equifax credit report. These inquiries, dated XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction. 

Specific Inquiries and Lack of Permissible Purpose : The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA. I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX XXXX XXXX ( XX/XX/year> ) : I have no record of applying for credit with XXXX XXXX XXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 
XXXX XXXX XXXX ( XX/XX/year> ) : I do not recall applying for credit with XXXX XXXX XXXX on this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 
XXXX XXXX XXXX ( XX/XX/year> ) : Similar to inquiries # XXXX and # XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/year> ) : I also do not have any record of applying for credit with XXXX XXXX XXXX on this date . Verification of this inquiry and a detailed justification for its permissible purpose are requested. 

Impact of Inquiries : These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

Request : I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA, or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX XXXX and Transunion Credit Bureau through XXXX XXXX /XXXX XXXX XXXX is reporting inaccurate dollar amount owed which is effecting my credit score ... They are reporting I owe {$21000.00} which is incorrect..I owe {$17000.00} as of XX/XX/17..Please update or correct this information it is a serious issue that needs to be addressed..thank you