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

To whom it may concern : I received a copy of my XXXX  XXXX, TransUnion credit report, and noticed 25 late payments that need to be deleted. It is as follows : Creditor Name : XXXX XXXX  Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : 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 did NOT give your agency written authorization or written instructions to report this information.

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court.

XXXX, XXXX, and TransUnion have violated my consumer rights as well, which is noted below.

15 U.S. Code 1666b - Timing of payments ( 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.

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have committed aggravated identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report.

You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violated federal law and my rights as a consumer
Product: Bank account or service

On XXXX XXXX I performed a mobile deposit of a {$500.00} money order into my Wells Fargo account. The money order was XXXX legit and not fraudulent, but for some reason Wells Fargo considered it fake and a few days later issued a return on the {$500.00} money order deposit. I thought that was unusual because, as I said before, I knew the money order was real and I had the receipt the prove it. In fact, after Wells Fargo denied the deposit of the {$500.00} money order, I was forced to deposit it into another checking account at another institution and I faced no issue whatsoever. 

After a few days a bill I tried to pay through my Wells Fargo account was denied. I called in and was told that there was a " hard hold '' on my account because of this {$500.00} money order that Wells Fargo thought was fraudulent. I explained to the rep on the phone that it was real, I had the documentation, and I would like a way to get my account unlocked because I had bills to pay. They were extremely unhelpful and told me the only thing I could do was wait and call back in 48 hours for a resolution. 

Well today marked about 72 hours since that call. I called back and was transferred to Loss Prevention and told the same thing - my check was fraudulent ( even though its not ), my account was on a hold, oh and now it might be closed and I would be barred from banking with Wells Fargo ever again. 

I have been a customer of Wells Fargo for about 20 years. I had an account opened when I was a pre-teen back when it was known as Wachovia. I have several mortgages through Wells Fargo, and I have been a loyal customer. I have NEVER done anything fraudulent with my account, and I am XXXX certain this money order is not fraudulent. To be told that my account is going to be closed over an incorrect assumption on Wells Fargo 's part is infuriating, and terrible service to be quite honest. I am being treated like a criminal and at risk of having this account ( which I a co-signed on with another person ) closed down. This is the account I use to pay my mortgage from! Why on earth would I deposit a fraudulent check? 

I have received no help. For the most part I just want to get in touch with whoever is actually handling this case of mine so I can send them directly the receipt I have to prove this money order is real. I do n't want to sit back and wait and just all of a sudden find out my account is closed, all the while not having access to more than {$5000.00} of MY money. 

I want this resolved now.
Product: Credit card or prepaid card

Asked for a card for my box as a user. Came back with cant verify my information from credit reporting company. Funny my number and address is on there. This happened when I asked for a line increase also. So I spent hrs contacting all three credit companies. Also they have my information address phone checking account ect. 
Ive learned this bank can hire US people so the quality of service is a solid -99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent activity on my account its been over 60 days now and I haven't gotten any response. This affecting my vehicle situation because im getting very high interest rates and my job is opening back up in XXXX. My accountant wrote a letter for me to send to the bureaus. 
I would like these inaccurate items deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.CAPITAL ONE XXXXXXXX, and XXXXXXXX XXXX XXXX XXXXXXXX as these items were showing late payments on my credit report in violation of Federal Law. Under FCRA you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now
Product: Mortgage

I closed on a mortgage through XXXX XXXX XXXX on XX/XX/XXXX. We have been transferred between servicers but are receiving conflicting information ; one bank has taken a payment for us but the current servicer says they don't have any record of us. 

- Closed XX/XX/XXXX ; First payment due XX/XX/XXXX - First servicer/funder : XXXX XXXX XXXX - XX/XX/XXXX : Notified via email from XXXX of being transferred to XXXX XXXX XXXX  XXXX XXXX MI ) XXXX XX/XX/XXXX : Setup new account at XXXX for online payments XXXX etc - XX/XX/XXXX : Received letter from XXXX that we were being transferred to XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/XXXX - XX/XX/XXXX : Received letter from XXXX they were, in fact XXXX not going to be our servicer and not to send payments for due dates after XXXX - XX/XX/XXXX : Received a second letter from XXXX that they were transferring us to LoanCare XXXX but this time effective XX/XX/XXXX - XX/XX/XXXX : XXXX takes auto-draft from checking account XXXX XX/XX/XXXX : Northpointe lists payment as unapplied funds - Since XX/XX/XXXX, LoanCare LLC doesnt know who we are per customer service. We have received no correspondence from them at all. 
- XX/XX/XXXX : received letter from XXXX XXXX that FM has purchased our mortgage on XX/XX/XXXX and they are our servicer, but with different addresses from XXXX XXXX XXXX correspondence.
Product: Credit card

1 - I have been mislead on by Bank of America Credit Card associate when ordered cancellation of my Cash Advance checks. 
2 - At this point all XXXX checks I want to cancel had not been reaching the bank yet. Also, I did not remember the numbers on my checks. The misleading was done after I had ask if I can skip my credit card cancellation and wait for my checks will come to the bank instead. I was hope the bank can cancel these checks after this request. The associate had agreed with this proposition. He not tell me this way bank can not proceed my request. 3 - by the time when my checks reach the bank my request had been denied. 
4 - All my attempt to resolve this situation with Credit Card company was denied. My main branch of Bank of America help me contact to the top manager through their telephone and later to sign up a complain. But Credit Card department did not take responsibility for their misleading instructions.
Product: Checking or savings account

I was call by a person who told me there were a Chase representative from the fraud department. The number on my caller said Chase Bank so I didnt question the call. The person I was speaking with was professional and thorough and so I proceeded as usual. I was informed to check my account to verify that an unauthorized transaction had occurred in XXXX in WV in the amount of {$180.00}. Upon checking my account I saw that this information was true and so the conversation continued. As the rep went on about what action we would take next they also informed me that this same individual attempted to wire themselves money in The amount of {$6000.00}. In order to reverse this transaction and prevent it from happening I was told I would need to do a wire reversal. At this point in the conversation I was confident that who I was speaking with was here to help and actually a Chase rep. I did as I was instructed to retrieve what I was told had been compromised. Only to find out that it was a scam. This person walked me through the steps of sending a wire via my Chase mobile app in the amount of $ XXXX to XXXX XXXX. This was who I was told had attempted to send a wire and that I would need to reverse the wire sent by following the steps. After the wire was sent to another Chase account the fraudulent Chase rep even told me to hold as they needed to run a virus scan to make sure that all my devices had been properly logged out of and secure. I was left on hold for 20 min before the call dropped. When I called the number back it routed me to an actual Chase Bank number. I followed the prompts to reach customer service to complete the process. As I informed Customer service that I was trying to reach the fraud department that I was just talking to we learned that the call I had received was not an actual Chase rep. 

After speaking with the Real Fraud department I was told that this was a case for the Chase Wire Research Team and I would need to send them a message to recall the wire via the secure message center. The wire research team was no help at all. They strung me along weeks at a time saying they were waiting to hear back from the receiving bank. But this wire went from one Chase account to another. They then told me they we waiting for a response from the credited party for them to authorize the funds to be returned. Despite the messages I sent the wire research team letting them know that the person they are trying to hear back from is a scammer. After 4weeks of going back and forth with Chases wire research department and the claims department the case was closed and I seem to have now lost $ XXXX to a scammer. This is my final attempt and only hope in getting some type of restitution or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report 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. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date opened XX/XX/2015 Balance  {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR 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 EXPERIAN 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 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 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: 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. Account name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 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. 1681s-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, credit repair services, or other personal consumer reports

I 've disputed with Experian about a XXXX XXXX XXXX inquiry that 's on my report that XXXX XXXX XXXX has verified that it does not belong to me and they wo n't remove it
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance w
ith Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I Recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that I in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments ive attached a copy of my credit report to this complaint on the following dates XX/XX/year> and XXXX.Im now requesting you investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action. 
Account Name : XXXX Account XXXX