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

I am writing to dispute the following inquiry listed on my credit report, which I did not authorize, and request its removal in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Please have this unapproved inquiry removed from my credit report within XXXX days, as its presence is adversely affecting my ability to obtain new credit. Additionally, I kindly request a copy of my credit report once this issue is resolved. 

As per the FCRA, consumer reporting agencies are required to maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. This unauthorized inquiry violates these provisions. 

I expect prompt action to rectify this matter within 15 days and appreciate your cooperation in resolving this dispute swiftly. Enclosed with this letter are copies of relevant documents supporting my claim.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX  - XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$440.00}
Product: Checking or savings account

I am filing this complaint to accompany the complaint I 've filed with the fdic. Bank of America has denied a claim I disputed in regards to a restaurant purchase in which I was displeased with service, treated rudely with my family and did not receive all the product I paid for. Bank of America has made an impossible demand for me to provide documentation that I did not receive all the products i ordered even though I posted a negative review of the restaurant immediately after the visit. Furthermore bank of America has reversed a provisional credit to my account and is now charging me overdraft and insufficient funds fees. On XXXX XXXX 2017, I called in to file yet another dispute in which a credit was issued and was lie to by a bank representative in the dispute department that the XXXX was added back to my account and that after both provisional credits were applied that I actually would have a XXXX balance. This is also in direct contradiction to a letter mailed to me that the funds were to be reversed on the XXXX of the month not the XXXX. This is just added to the constant ongoing issues I have had with bank of America. I have also had to file the second dispute because a charge was made to my account on a day I did not authorize. I have since then closed my debit card with bank of America for my checking account and did not order another since they have failed to honor disputed transactions.
Product: Checking or savings account

My husband used Wells Fargos XXXX application on Friday XX/XX/2018 to transfer {$1300.00} to my checking account. It said that there was an error and funds could not be transferred, but {$1300.00} disappeared out of his account. He called immediately and was told that they would open a claim for him, but that the issue should be resolved within an hour. 

It took over 24 hours for the {$1300.00} to show up as a pending transfer in his account, but there was still no notice on my account and the money was still missing. He called again on Monday XX/XX/2018 and was told that they could open another claim and that they would expedite the money into my account the following day as the status of this transfer in his account now showed that the funds had been transferred. 

I called on Tuesday XX/XX/2018 as the {$1300.00} had yet to show up on my account. The first person told me it would take 14 business days for my husband to receive the money back to his account. The second person I spoke to was part of the online customer service team and told me it could take up to 10 business days for my claim to be resolved. I asked to speak to a Supervisor ( XXXX XXXX ) who told me there was nothing they could do and I could file a complaint. She was extremely rude. I informed her that a check I wrote for rent would most likely bounce and that I was late in paying 3 bills because of this issue and she said there was nothing she could do about it because they didnt know when the issue would be resolved and if I was upset, I could file a complaint. 

Lastly, I was transferred to the complaint department. I was told that XXXX was an executive and she had the authority to tell me that the money would arrive in my account by the next day. She also said she would request that Wells Fargo look into covering late fees and bounced check fees. I asked her why they were not able to put the money into my account because it is a documentation glitch and our money should still be physically available to us and she said she wished the same thing as she was also dealing with this personally. I told her I felt that Wells Fargo has essentially robbed us as they were withholding our money. 

And now, we wait again after another conversation with Wells Fargo and prior empty promises to see if we recover our {$1300.00} tomorrow. We will be closing our accounts and banking elsewhere as soon as this is resolved.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXXXXXX XXXX about a collection in the amount of {$790.00} in XX/XX/scrub>XXXX XXXX I have never purchased anything from this company. It appeared on all XXXX credit reports and it has a negative remark. This debt does not belong to me. The company has not responded to me after I asked them to remove this false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX -Contacted company and credit bureau , no response XXXX XXXX XXXX XXXXXX/XX/XXXX -Contacted company and credit bureau , no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. " Determined that the above-referenced account is being reported accurately. '' A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account XXXX : XXXX Account XXXX : 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX breached the terms and conditions and violated my privacy pertaining to a checking account that I opened with them by sharing my non public information and information pertaining to my account with a third-party company by the name of ChexSystems without my pior consent. This breach is not only a violation to the terms and conditions that I signed at the opening of the account but is also a violation to 15 U.S.C 6801 and 15 U.S.C 6802.
Product: Credit reporting or other personal consumer reports

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

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

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

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

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issue 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 requiting immediate corrective action to remove the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX that you have included DEPT OF ED/NELNET information in my credit profile on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Debt collection

Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023, {$560.00}, law suit
Product: Mortgage

In XXXX of XXXX with the cares act mortgage were allowed to ask for forbearance up to 12 months. I have XXXX serviced by Loan Care. The XX/XX/XXXX payments are due by thew XXXX. This payment was made and on the XXXX I called about the forbearance program. They said I qualify and I am now told because I called on XX/XX/XXXX my 12 months of forbearance started in XXXX even though payment was already made. So loan Care is only giving me 11 months of forbearance because I called XXXX XX/XX/XXXX. 

I received a letter from Loan Care dated XX/XX/XXXX. It says your forbearance plan starts XX/XX/XXXX and ends on XX/XX/XXXX for a total of 330 days. After several calls and having them send this for review they said because I call in XXXX of XXXX I only get to 11 months of forbearance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed that XXXX XXXXXXXX XXXX - account number XXXX was reinserted into my XXXX credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinvesting previously deleted information.

Certification of accuracy of information : The FCRA mandates that any information deleted from a consumers file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX XXXX  XXXX regarding the accuracy of the reinserted information. 

( ii ) Notice to consumer : Furthermore, the FCRA stipulated that if any information deleted from a consumers file is reinserted, the consumer reporting agency musty notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion of the XXXX XXXX XXXXXXXX account number : XXXX into my credit report.
Product: Checking or savings account

I visited the local branch to deposit a check for {$7200.00}. The cashier processed the deposit without any problems, but later, when I checked my account on the online mobile app, I noticed a negative amount, which was incorrect. 

I called the bank to inquire about this discrepancy and was transferred to the fraud department. They informed me that there was an issue with the verification of the check. I suggested that they contact the sender for verification, as is standard practice. However, instead of resolving the matter professionally, I felt that I was being racially profiled, as if I could not possibly earn this amount of money legitimately. 

The customer service representative asked if someone had emailed me the check, which was confusing, as I do not know anyone who would do that. I was also questioned about how I obtained the check, as if my business activities were being doubted. 

I am puzzled as to why the bank did not simply verify the funds and contact the sender if there was an issue, as is typically done. I understand that it can take a few days to verify a check, but the approach taken by the bank was disrespectful and unprofessional. 

Furthermore, I was asked to provide copies of my business contract with a client, which I can not do as it is illegal for me to share such information. This situation has put me in a difficult position, as I have pending deposits that will come through this account, and my bills may fall behind if my account is closed in 30 days, as I was told would happen if I do not provide the requested information.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint and demanding that the Credit Reporting Agencies delete the fraudulent items from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness.Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 
The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX, CA XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 

Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

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

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. XXXX  again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX has lost a lawsuit which alleged illegal practices for 35 states. It is attached. I will be entitle to compensation based on this lawsuit. All 3 credit bureaus have incorrect information submitted to them by XXXX which shows my account as a charge off with money due to them. I have requested an extensive amount of information from XXXX which they did not provide. That letter is attached. They can not validate the debt, loan terms are incorrect on my credit, they charge more than stated per the contract, charged more interest than the principal, fees that are not valid, never supplied me with any charge off information or why when I was STILL PAYING on time during their alleged charge off month of XX/XX/XXXX and OVERPAID according to my statement from XXXX until present. This is my last step before small claims court and they will not even provide me their legal address to serve them papers. This company has devastated consumers including me and after 8 years and paying them XXXX for a XXXX vehicle its enough. They even have listed my vehicle as a commercial vehicle making the contract null and void.