23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I reached out to XXXX in regard to a refund that was sent back to a bank account ending XXXX with XXXX XXXX which is closed. I had a repair done with safelite in XX/XX/year> and used after pay for the payment. A few weeks later the repair didn't fix the problem and I had to replace my whole window. XXXX refunded the payment of XXXX back to afterpay it was a total of XXXX payments. XXXX was payed with the debit card for the account that ended in XXXX. I received that portion of the refund from XXXX XXXX in form of check. I then reached back out to XXXX XXXX  and they told me the XXXX returns were rejected on XX/XX/year> and I needed a trace number which is XXXX digit of just numbers to help them see were the money is. I reached back out to XXXX and informed them of this they gave me a XXXX numbers XXXX for XXXX and XXXX for XXXX as well. I informed them that bank states that this is not the number and the employee name XXXX insisted it was even sending me what an XXXX number is which states it is for a credit or debit card transaction. So I spoke with the bank and they send me a trace number ( XXXX ) that XXXX did have when sending me back a refund for XXXX on XX/XX/year> for an ACH payment. 
XXXX states they need an official letter from the bank ( XXXX XXXX ). XXXX XXXX states I need the XXXX digit trace number and neither can help me with anything else until they have what they need. So now I am filing because without help no one would do what is needed for the other one.
Product: Credit reporting or other personal consumer reports

Firstly, I emphasize that my right to privacy is paramount, and I am exercising this right through this dispute letter. As per 15 U.S. Code 1681 ( a ) ( 4 ), you are obligated to act with fairness, impartiality, and respect for consumers ' privacy. I am asserting this right under the stated law and expect that the information in this letter will be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Additionally, under 15 U.S. Code 1681b regarding permissible purpose, I have never granted this company any such authorization. As a result, they are in direct violation of this law. I request the immediate removal of this account from my credit report, as it negatively affects my reputation, character, creditworthiness, standing, and capacity. Given your responsibility to protect my privacy, I expect this matter to be resolved with the utmost urgency. 

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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report related to XXXX XXXX XXXX. Remove because debt paid before collection.
Product: Checking or savings account

Wells Fargo failed to provide outstanding relief in the amount of {$400.00} which was fraudulently stolen from me without my permission or my knowledge. 

Wells Fargo failed to verify the debt alleged before charging my account in the amount of {$400.00} on XX/XX/2017. This amount was the result of a series of FRAUDULENT attempts by an unknown party to which I have no business and have not obligations. 

I disputed several transactions by XXXX XXXX car between XX/XX/2017 and XX/XX/2017 and every single time Wells Fargo agreed to return my funds, Wells Fargo allowed the fraudulent parties to again steal funds from my account without verifying any alleged debts. 

Wells Fargo agreed via CFPB case # XXXX and XXXX to return all funds owed related to the fraudulent requests for payment from XXXX XXXX car company. However, after returning funds related to my initial disputes, Wells Fargo allowed the company to charge {$400.00} from my account under the guise of " adjustment '' line item ( XX/XX/2017 ). These funds directly related to the closure of my credit account and the extreme damage that has ensured since Wells Fargo began reporting negative remarks on my public profile and credit accounts. As a result of the damage this credit account has had on my ability to find transportation, stable housing, and business opportunities ; I have been homeless for more than 6 months and have been diagnosed with XXXX XXXX XXXX and XXXX. 

I am nearly at my wits end with the damage began by Wells Fargo inconsistent and inaccurate reporting and accounting. My health and wellness are in jeopardy if I am not able to escape the dibilitating stronghold Wells Fargo has placed over my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a dissappointment seeing my Credit File still indicated the disputed accounts and information beinf reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information as well as the ID THEFT REPORT I have been receiving from the FTC. I ave also been submitting CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, no matter how persistent I am, the Credit Bureaus have also been consistent in ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act section 605b, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to infrom the Credit Bureaus that I am working with a legal counsel to file a lawsuit against the Credit Bureaus. If the Credit Bureaus are not able to remove the dsiputed accounts and information per request within the time allowed my law, I will be forced to file the lawsuit. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$540.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$620.00} XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

ACTIONS TOOK BY ME AS THE CONSUMER I SENT OUT MULTIPLE DISPUTE LETTERS TO EACH CREDIT BUREAU LETTING EACH COMPANY KNOW AS CONSUMER I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 ( A ) SECTION 2 ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. TO OPT ME OUT. 15 USC 1681 ( e ) ( b ) CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACIES TO MY CREDIT REPORT! 15 U.S. Code 1666b late payments 15 U.S. Code 1692 collection abuse 15 U.S. Code 1681c charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX, as well as XXXX XXXX XXXX XXXX and XXXX each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as on XX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX. I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.
Product: Credit card or prepaid card

I am writing about an Upgrade credit card which I was approved for back on XX/XX/22 for {$5000.00}. I had received several advertisements email and letter byl mail for over 2 years. I finally went to the website and filled out the pre-approval for the {$5000.00} credit line. I was approved and Upgrade sent the card out via mail. When I recieved the card and registered it over the phone it was set up and active. I did not use the card and had no payments due. Within the same month of receiving the card before I could even use the card Upgrade redued my {$5000.00} down to {$500.00} for no reason. 

I did not use the card and did not owe a payment they advised me it was due to my other credit card usage. I called and talked with a Supervisor that said it was due to my other credit card usage which had not changed. I asked the supervisor if they receive a lot of calls about reducing new card members credit limits and he said that Yes, it was a common call that came through. This tell me that this is a common practice which falls under a bait and switch practice. 

This is also misleading and it reduced by credit score by being approved having a {$5000.00} limit go on my credit that the next month was reduced to {$500.00}. I work for The XXXX XXXX Bank as a Vice President in sales and this practice of false advertisement is illegal and it caused my credit to be negatively effected. I was trying to obtain a loan for personal resasons which was effected by the fico score reduction. I want to pursue actions against this action and Upgrade for credit and personal damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had XXXX XXXX XXXX XXXX  XXXX XXXX for many years and in XXXX changed creditor to Comenity. In XX/XX/XXXX, after about a month after Comenity had account a late charge from XX/XX/XXXX. I have perfect payment history and had no late payments showing until a year later. This was brought to my attention through credit monitoring due to dropping my credit score about 75 points. Immediately I reached out to Comenity to only have associates disconnect calls. After starting a dispute through XXXX I reached back out to Comenity and after transferring my call back stateside I finally submitted a dispute but was advised 45 day turn around. This seems unacceptable that they have tarnished my credit without any reasonable cause and will not correct timely. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor 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. 

XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} or XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Hello, I am writing because Im desperate, I have been dealing with this matter since XX/XX/2022. I had went on vacation to XXXX for my birthday and had my cash app card stolen from a restaurant which I know for a fact they have my card and someone from the restaurant made transactions on my card!!! I was walking by the restaurant and asked for someone for directions I opened my purse a few things fell out which the person I spoke to worked for the restaurant seen when I was trying to open my purse and everything fell out. I have tried for weeks to get help with cash app to get my funds back but, they have taken me through XXXX! They put these unprofessional and scam bots on these calls which keeps going into circles. I had to borrow money from my mother because the funds they stole where taken from my living expenses. I feel so undefeated and these people do not care. Please help!!! Thank you!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified errors and discrepancies that require immediate correction. The following federal laws and regulations outline your responsibilities and my rights as a consumer, which I am invoking to request action on these matters. 
According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must act with fairness, impartiality, and respect for consumers privacy rights. Additionally, 15 USC 6801 mandates that financial institutions protect the confidentiality and security of customers nonpublic personal information as well as the Privacy Act of 1972.

I also reference 15 USC 1681 Section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only furnish consumer reports with the explicit written consent of the consumer. I hereby revoke any and all consent ( verbal, non-verbal, written, or implied ) previously granted to XXXX, XXXX, or any furnisher of information. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of the disclosure of personal information. I was never informed of this right.

Additionally, under 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting adverse items of information that antedate the report by more than seven years unless specifically allowed under subsection ( b ). The reporting of these adverse items without my consent is a violation of federal law.

Per 15 USC 1681s2 ( A ) ( 1 ) ( A ), furnishers of information must ensure that any information reported to consumer reporting agencies is accurate. Furthermore, under 15 USC 1681e, consumer reporting agencies must maintain reasonable procedures to avoid violations of consumer rights. It is clear that such procedures are not being followed. Lastly, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. 

Below are the specific accounts in question : XXXX  XXXX Account Number : XXXX Dispute : Under 15 USC 1692g - Validation of Debts, this account violates debt validation requirements. I request this account be deleted immediately.

Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). If validation can not be completed, I demand that this information be corrected or deleted from my credit file associated with my Social Security number.

Under the FCRA Section 623 ( a ) ( 3 ), you are required to investigate and respond to this dispute within 30 days of receipt. Failure to comply will result in further action, including filing a small claims suit against XXXX for : Defamation Violation of the Fair Credit Reporting Act Additionally, I request the removal of all non-account-holding inquiries over 30 days old. 

Please note, I am keeping a detailed record of your actions. Depending on your response, I may escalate this issue with the Better Business Bureau and other consumer protection agencies.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXXXXXX. Account # : XXXX XXXX  XXXX. Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.