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

I am writing to you as a concerned consumer and your client to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ) and specifically Code 1681 ( I ) in relation to my credit report. It has come to my attention that the negative items on my credit report have been inaccurately updated due to a recent breach of the Consumer Financial Protection Bureau ( CFPB ).

Code 1681 ( I ) of the FCRA clearly stipulates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. It further mandates that if a consumer disputes the completeness or accuracy of any information, the agency must conduct a reasonable investigation to determine the accuracy of the disputed information within 30 days, unless the dispute is frivolous.

I have thoroughly reviewed my credit report and have identified multiple negative items that have been updated without proper investigation or validation, resulting in misleading and inaccurate information. This erroneous update can be directly linked to the CFPB breach, which compromised the integrity and security of the information provided to credit reporting agencies such as yours. 

I am providing you with a detailed list of the inaccurately updated negative items on my credit report : [ Include a list of negative items, specifying the creditor 's name, account number ( if available ), date of update, and a brief explanation of the inaccurate information. ] I request an immediate investigation into these inaccuracies as required by Code 1681 ( I ) of the FCRA. It is essential that your agency adheres to the statutory obligations imposed by the FCRA to ensure the maximum possible accuracy of consumer reports. The inaccurate negative items resulting from the CFPB breach not only harm my creditworthiness but also violate my rights as a consumer.

I kindly request that you take the following actions : 1. Initiate an immediate investigation into the accuracy of the negative items mentioned above.

2. Provide me with a written statement confirming the initiation of the investigation within five business days.

3. Correct or remove any inaccurate negative items resulting from the CFPB breach within 30 days, as mandated by the FCRA.

4. Provide me with a copy of the updated credit report reflecting the necessary corrections and updates once the investigation is complete.

Failure to comply with the FCRA and rectify these inaccuracies will leave me no choice but to seek legal recourse, including filing a complaint with the Consumer Financial Protection Bureau and pursuing legal action to protect my rights as a consumer.

I anticipate your prompt attention to this matter and a timely resolution in accordance with the law. Please provide a written response within 15 days of receiving this letter to confirm that my concerns are being addressed.

Thank you for your immediate attention to this serious matter. I look forward to a satisfactory resolution. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 approximately XXXX Eastern Time . I deposited an amount of {$1100.00} in Cash at the ATM of Citizens Bank Branch ( XXXX XXXX XXXX XXXX, Pa XXXX ) I always deposit cash in this ATM & this was the first time i had received a receipt stating we encountered a problem returning your cash. Please contact your financial institution I contacted them immediately. Even talk to the manager of that exact branch after they closed because she was still in the building. She stated that she already counted the money from the ATM and wouldnt do a re count until the next week. You can file a claim to receive your money. 

I filed a claim and told customer service for the claims department. That i have a receipt that states there was an error with the ATM. My claim was denied not once but twice without them contacting the exact branch there error occurred and also without them providing a way to send them proof of my receipt. 

I called customer service multiple times and they have yet to reach me after the required business days. Im late on my bills/rent due to them taking money back from me and i just want what Im owed and more core there inconvenience. 

I called the exact branch this transaction error happened at and she stated the claims department never called us and they never do to investigate claims. So my question for the department how can you determine no error was made without contacting or troubleshooting the atm.
Product: Credit reporting or other personal consumer reports

I have suffered identity theft and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four Business days pass pursuant to FCRA. Please exercise your grave responsibility to assure that my privacy is respected and honored. Pursuant to title 15 USC 1681 c-2, dene consumer reporting agency is only have the lawful authority to resign, or declined to block under the following conditions. 15 USC 1681c-2 ( c ) ( 3 ) - Signicance of block. For the purpose of the subsection, if a consumer reporting agency, rescinds a block, the presence of information in the le of a consumer prior to the blocking of such information it's not evidence of whether they consume on you, or should have known that the consumer obtain possessions of any good, services, or money as a result of the block. You may be held liable for negligence Pursuant to 15 USC 1681o & 15 USC 1681n
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These items were added without my authorization due to identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3400.00} XXXX XXXX  XXXX XXXX - XXXX - {$2400.00} XXXX XXXX XXXX - XXXX XXXX {$510.00} Fraudulent Inquiries : XXXX XXXX XXXX - XXXX
Product: Mortgage

I sent in an application to Flagstar Bank to establish an escrow account, they sent me an approval letter stating that I needed to send them a check or money order for {$4200.00} and sign the two included documents and as long as I had them sent before XX/XX/XXXX, my new monthly payment would be {$1400.00}. 

I sent them the check and the signed documents on XX/XX/XXXX. The {$4200.00} was taken out of my account XX/XX/XXXX. When I went to check my account today ( XX/XX/XXXX ) to make sure the new amount of {$1400.00} was taken out I saw that they were still taking out the previous amount ( XXXX ) which is only my mortgage and not my property tax. 

Furthermore, the same amount of {$950.00} is due to be billed at the beginning of XXXX as well meaning they have not set up my escrow account even though they took my {$4200.00}. 

When I called them to confirm that they did indeed receive my check and signed documents the woman I spoke to said that, yes they got my check/documents, but she needed to send a request to the escrow department which would reply in 3-5 business days to make sure they actually did set up my account. 

When I asked how I was supposed to proceed from there regarding payments since there is about {$400.00} that needs to be accounted for she had no answers an just said we needed to wait to hear from their Escrow department. 

It should not be taking this long to sent up an escrow account, especially considering they already had the time to cash my check - they should have had the time to set up my account as well.
Product: Debt collection

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through XXXX. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the XXXX agreement we have
Product: Credit card or prepaid card

Care Credit from Symphony Bank closed my account. I have had the account for more than XXXX years and there was no balance on the account. I received no explanation and the customer service line was not helpful at all.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

XXXX XXXX  ORIGINAL CREDITOR SOLD MY DEBT TO XXXX, WHO PREVIOUSLY REPORTED ONTO MY CREDIT AND WAS DELETED - THEN XXXX SENT IT TO A SECOND COLLECTION AGENCY NOW NCA NATIONAL CREDIT ADJUSTERS WHO HAVE REPORTED THIS FOR A SECOND TIME ON MY REPORT I ADVISED THEM THEY ARE VIOLATING FDCPA AND IT NEEDS TO BE REMOVED SHE ADVISED TO ME THAT " IT WAS SOLD TO THEM SO THEY CAN REPORT IT ''
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXXXXXX, Number : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

A debt was reported on my credit report that was released on XXXX XXXX. I attempted to dispute the debt with the property management company who managed the home I lived in. They sent me inaccurate statements and invoices and I was in the process of disputing the validity of the debt. The owner of the company XXXX XXXX sent me an email stating that I was not willing to pay or negotiate ( I was attempting to validate the debt ) and he stated and, in his email, " my company no longer manages this property. We will inform the owner that you are not willing to pay or offer a settlement. They can escalate to collections if they choose. Any future correspondence must be directed to owners of the home '' I am leaving out the names for privacy. I did not have the owner 's information because the property was being managed by XXXX XXXX. No further attempt to validate the debt occurred by either XXXX XXXX or the owners of the property. Five years later it appears as a collection on my credit report. I could not continue to pursue validation from XXXX XXXX due to their request and statement of not owning the debt. I had no contact with the owners who XXXX XXXX states now owns the debt. I do not owe XXXX XXXX, now the XXXX XXXX any money because as they stated they no longer represent the property, or the owners and any further collection must come from them.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 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 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about of the identity theft. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud. 
XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$5100.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

on XX/XX/2023 there was an XXXX Summons on the door addressed to XXXX XXXX XXXX. I have reviewed the Financial Responsibility page at the back that I have attached to this complaint and Determined that it was a forged signature with printed name incorrectly spelled wrong. 

Professional & Business Collections LLC is attempting to Sue me and did not Correctly Send me a Validation of Debt according 15 USC 1692g of the Fair Debt Collection Practices ACT I Do Not Owe This Debt and I Deny All amounts owed on this alleged Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company my ex used my name on account for hospital possibly. But this is definitely not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, XXXX, Experian speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX  in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, XXXX, Experian is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute experian for incorrect credit reporting, failure to follow proper procedures, and failure to provide evidence of alleged debt. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o 15 USC 1692 ( e ) and 15 USC 1692 ( f ), entities that fail to comply with FCRA regulations due to negligence are subject to civil liability.

Due to these violations, I have suffered damages, including but not limited to : Financial Harm : Denial of credit or loans, higher interest rates, loss of job opportunities, and inability to rent a home. 

Emotional Harm : Stress, anxiety, damage to personal reputation, and emotional distress from time-consuming dispute resolution. 

Other Harm : Legal fees, disruptions to financial planning, and additional costs incurred in disputing incorrect information. 
As a result, I am requesting the following corrective actions : [ correction of credit reports, monetary compensation, removal of negative items, etc. ] Under the provisions of 15 U.S. Code 1681o, I am entitled to actual damages sustained as a result of this negligence, as well as attorney fees if applicable. Please address this matter immediately and provide a written response within [ reasonable timeframe, e.g., XXXX  days ] from the date of this letter.

Failure to comply may result in legal action to enforce my rights under federal law. 
Please send all correspondence regarding this matter to my address listed above. I appreciate your prompt attention to this issue and expect a timely resolution. 
Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

XX/XX/XXXX Checking account opened online with promo code. They approved but wanted me to personally come into the branch for ID verification. 
XX/XX/XXXX Went into branch and verified ID. 
XX/XX/XXXX Opened Mobile Banking Sent funds on : XXXX {$5200.00}, XXXX {$4500.00}, XXXX {$1000.00}, XXXX {$5000.00}, XXXX {$5000.00} XX/XX/XXXX All activities completed for {$600.00} Bonus promised. 
Term stated to wait 30 days after activities completed, then bonus should post in 2 weeks. 

XXXX - Went into bank and talked with representative that said they did not have my account marked for the bonus but he verified that all my activities were correct to receive it. Then he said he would have the account reviewed and would get back to me in a couple days.
Product: Checking or savings account

I needed to make a payment to XXXX from United States through the websites such as XXXX XXXX and XXXX.. XXXX is giving an error sothat I tried with XXXX, but when I tried to login to my capitalone savings account from XXXX, capitalone is blocking my access to my account through my XXXX  account. I need to connect my capitalone account to my XXXX account, but capitalone is not allowing me to enable external applications. And when I tried to contact them, they were unable to solve my problem. Please do the needful with my problem and grant me to enable external applications for my capitalone account. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I HAVE CHARGE OFF ON MY ACCOUNT AND I DID NOT RECIEVE MY 1099C, THESE COMPANIES ARE REPORTING DEBTS ON MY CREDIT REPORT EVEN THOUGH THEY GOT A TAX BREAK AND WAS ALREADY PAID FOR THE DEBT. XXXX XXXX credit card, XXXX XXXX  XXXX XXXX XXXX, I do not owe XXXX XXXX or XXXX XXXX XXXX, I've never done business with them but they are reporting on my credit. I am requesting a 1099C from each company because the debt on my credit said charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, block and delete according to 15 USC 1681c-2.