23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited an out of state cashiers check for {$950.00} to my local Chase branch and the cashier put the check under a light and then thru a scanner. The funds were immediately available in my account with no hold. A couple days later the check reversed, leaving my account overdrawn. When I called Chase today to inquire why they reversed the deposit, the rep said that the cashiers check was altered and refused to accept. The rep was rude and basically told me it was my own fault for not waiting to use the funds. 

Our Attorney General suggested that I contact you about this situation because, Chase should be able to provide protection, since their teller checked its authenticity twice ( under light and thru scanner ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$910.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$910.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$790.00} Inquiry : XXXX XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my 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 XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I reached out to XXXX, about why my payments were not getting credited, I was making payments and they would never arrive to my checking account. Upon verifying this issue with them we discovered that when my payment account was updated the account # was mistyped by 1 digit. I was told by XXXX in Customer service to attach a copy of my bank statement and mail it to them along with a letter of the call that took place and they would remove the late marks on my credit report and this was done in error of the account # from my payment account being typed wrong. 

2 Months later, nothing has been updated. They have my account locked from making payments online thru their website and i either have to call it in, or use online bill pay from my bank.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

I filed a dispute with discover for a company not honoring their return policy and not letting me return my products on XXXX for {$2800.00}. I provided all the proof that this was true and Discover does nothing and sides with the merchant : Ive heard the horror stories before that Discover never sides with the user on disputes. I wonder be using this card in the future
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that XXXX XXXX authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/2024 failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

XXXX. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

XXXX. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance.

Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

called on friday XX/XX/XXXX and spoke to a representative, before he humg up on me i explained to him that i never consented to any hard inquiry for any card, i never signed an agreement, or understood any agreement that may or may not have been acknowledged on my behlaf
Product: Credit card

After I was denied I called to see why since my social security number is an auto debit card? I was told because I didn't have a history of having a credit cards. I explained by law they can't deny me credit since I was extending credit to them and they was denying me access to my own credit. Because my ssn # is the ONLY REAL credit card 15 USC 1602 ( I ). and Anytime my ssn # is used they MUST abide by TILA and they must give full disclosure. Which they didn't. They just have a negative reflection on my credit report. That I want removed and it stated it was approved because it was and if I request a TRUE BULL which I did on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for a law firm in 2022 and sent Barclays Bank a subpoena for information regarding a matter. They ran a hard credit inquiry on me on XX/XX/2022, without my consent or knowledge.
Product: Debt collection

PORTFOLIO RECOVERY A IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE THEM. 

PORTFOLIO RECOVERY A # XXXX
Product: Credit reporting

I contacted the Credit Agencies telling them that the late reporting for from XXXX XXXX to XXXX XXXX is inaccurate due to the fact that I was never late. Their response was that XXXX XXXX XXXX verified the information as accurate. I contacted XXXX XXXX XXXX several times to dispute the late reportings. I also asked them to provide me with proof that I was late during the stated dates. I have not received anything from XXXX and I have been disputing since XXXX XXXX. I am asking your help to rectify this issue.
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX XXXX XXXX XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX XXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

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

On XX/XX/XXXX while attempting to qualify for a mortgage I was informed by the mortgage company that I did not have an active credit report with Equifax. I have been building a credit history for over 15 years. When calling Equifax they told me that I did not have any credit history with them and that if I did I would need to send them a copy of my credit report. This is obviously not possible. They then asked me to send them a copy of my drivers license and social security card to verify my identity, however, when given this exact information over the phone they were unable to find my report. I do not trust Equifax given their history with hard copies of my my personal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}. I believe it was reported in error.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following Accounts : DEPT OF ED BAL. {$3700.00}, XXXX XXXX XXXX XXXX
Product: Credit card

I hope this letter finds you well. I am writing regarding the above-referenced account. Please note that I am not disputing the account or any information associated with it. My purpose in contacting you is solely to request the following details for my personal records : The first date of delinquency on this account. 
The date of the last payment made on this account. 
The date the account was charged off. 

I would appreciate your assistance in providing this information at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your timely response.
Product: Mortgage

After placing a prior complaint on XX/XX/2020 regarding this matter, I received a call from the odsbudman at the corporate office of SPServicing on my home phone. I spoke with XXXX and I explained that I needed to extend the original 90 day forebearance to an additional 90 days as stated in the Cares Act. XXXX explained that I needed to take a survey to see if Im qualified. XXXX confirmed that I will need financial records on hand to qualifiy. XXXX explained that I dont fall under the Cares Act as my loan is not federally backed. I asked XXXX how did that change as all my original loan documents says the loan is federally backed. XXXX would not answer and just kept asking me to complete the survey. My loan has been trasferred several times. Since Select Portfolio Servicing is the gate keeper to the mortgage company, I had no idea who is the owner of my loan. The last correspondence I received was from XXXX XXXX  just after signing an agreement to recast the loan and that SPServicing would be the service provider. All orignial terms of the original loan were still in place. XXXX would not provide me the information over the phone, XXXX said he would mail it to me. I received the document. The Loan holder is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Long an behold XXXX XXXX is the actual holder. The document also states that the account ownership status may change from time to time. Will I be notified or is this a behind the scenes event? The XXXX XXXX website says they are offering 180 days of forebearance. How did the federally backed loan change to a non federally back loan. I feel like Im being taken advantage of and being strong armed. SPServicing is not forth coming with information in a timely fashion nor was I ever notified that my loan was transferred from XXXX to XXXX XXXX. I am receiving emails from SPServicing claiming they have attempted to call me on XX/XX/2020. My last Call from SPServicing was on XX/XX/2020 ( XXXX ). No call, message or call ID left. Thank you for your time in this urgent matter.
Product: Debt collection

I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

My room mate and I keep getting debt collection calls from XXXX XXXX XXXX from this phone number XXXX  XXXX XXXX  XXXX. The problem is that they do not identify whom they are trying to reach. If my room mate or I have or are expecting an important phone call we let each other know about it. They do leave a message that states they are debt collectors but neither my room mate or I have any outstanding or over due accounts. There is nor has never been any mention of who they are trying to contact or for what purpose. I just want these phone calls to stop. I refuse to call back anyone that will not identify who they are trying to contact, and believe these calls are bogus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Per the Fair Credit Reporting Act this account should immediately be deleted. I never used this account as a credit account nor have I signed any agreement that rises this account to the level of a credit account by law. I never gave this company authority to use my credit consumer report to collect a debt and by law should not have accessed due to this not being a credit or loan that I signed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report a debt on my Experian credit file. I have never had a debt with this company/Bank. I have disputed this through Experian and they continue to show it paid late. They last showed paid late on XX/XX/18. This is incorrect information that is damaging to my credit report. I want them to remove it in my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all Equifax, XXXX, and XXXX to validate a XXXX XXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$11000.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

I have a credit balance of {$940.00}. This credit balance has existed since XX/XX/XXXX, yet the company has not refunded me the balance. I've called and messaged and am told it takes XXXX days. 

This account has been closed for years.
Product: Checking or savings account

Transactions updates take long I 've been waiting for the update of payments sinceXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX  XXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.