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

Dear Sir or Madam : This letter constitutes my third formal request that you protect my personal information and immediately freeze my credit report. Previous requests submitted have not been honored, which constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Actions Requested Protection of my Personal Information : I request that you refrain from disclosing or allowing unauthorized access to my credit report, pursuant to 15 U.S.C. 1681b.

Freezing my Credit Report : I request that my credit report be frozen immediately, pursuant to my rights guaranteed by 15 U.S.C. 1681c-1 ( i ).

Written Confirmation : I request written confirmation that these measures have been implemented within a period of no more than 30 days.

Detected Violations Your failure to act on my previous requests constitutes the following violations : Failure to Protect My Information : Under the FCRA ( 15 U.S.C. 1681b ), Clarity is required to ensure that my credit information is not disclosed to third parties without my explicit consent. Your failure to act to restrict access to my report is a violation of this provision.

Failure to Implement Credit Freeze : 15 U.S.C. 1681c-1 ( i ) guarantees consumers the right to request a freeze on their credit report to protect their information. By failing to implement this freeze after my previous requests, you are violating this fundamental right.

Failure to Respond Within the Statutory Timeframe : Under 15 U.S.C. 1681i ( a ) ( 6 ), Clarity must provide written results of any request for reinvestigation or modification within 30 days. They have failed to provide an adequate and timely response to my previous requests.

Unfair and Deceptive Practices ( UDAAP ) : Their continued refusal to take reasonable steps to protect my personal information may be considered a violation of the unfair and deceptive practices provisions under the Unfair and Abusive Competition Act ( UDAAP ).

Repeated Noncompliance : By ignoring my repeated requests, they are demonstrating a pattern of systematic noncompliance that affects my ability to exercise my rights as a consumer.

Legal Disclaimer If you do not comply with this request, I will : File a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA and unfair practices.

Seek legal action for damages under the provisions of 15 U.S.C. 1681n and 1681o, which provide civil penalties and compensation for affected consumers.

I look forward to your written confirmation within the next 30 days, as required by law. Any further delay will be construed as a sign of negligence and bad faith on the part of Clarity Services.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

Huntingto 06/01/24
Onemain 05/27/24
Onemain Financial 05/27/24
Jpmcb Card 05/21/24
Jpmcb Card services 05/21/24
Withu 03/23/24
Capital one bank 12/05/23
Syncb Sams club 12/16/20
Citibank Na 11/24/23
Discover financial 11-/15/23
Discover financial 10/25/23
Us bancorp 09/25/23
Banco estadounidense 09/25/23
Banco estadounidense consolidado 09/25/23
Prestamos globales servi 08/31/23
Santander Consumer 31/08/23
700 Credit Germain 08/03/23 
First Help financial 08/03/23
First Help Financial 08/03/23
Credit Acceptan 08/03/23
Us bancorp 08/29/23
Us bank 08/29/23
Tcifirst Help financi 08/03/23
Global lending service 08/31/23
Us bank consolidado 08/29/23
Us bank Consolidado 08/22/23
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Right 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 systemic issues such as failing to forward consumer provided evidence to furnishes accepting unreliable responses and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experians inaction violates federal laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX , XXXX XXXXAccount # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I appreciate your prompt attention to this matter and request a written response with the results of your investigation within 30 days, as outlined by the FCRA. If any item is not removed, please provide the name and contact information of the entity that confirmed its accuracy.
Product: Money transfer, virtual currency, or money service

On XX/XX/17, person X agreed to send me {$1100.00} dollars to purchase a few supplies for him. He sent me a total of {$1100.00} via the XXXX app. After confirming that the money has been transferred as indicated by " X paid you + $ '' I went out and made the purchase of the items for person X. I checked and saw that the balance went through and so I scheduled a transferred of the balance in my XXXX  account to my checking account. The next day, I notice that the balance did not go through as scheduled. I checked my email and found that my account got frozen with a request for me to send in my driver license to XXXX. '' I called XXXX and wanted to know what was going on. According to the customer representative, the person who paid me made an unauthorized transaction. In response to this, XXXX reversed the transaction and withdrew the balance from my XXXX account. How is this possible? Their website states " Once you make a payment to a registered user the funds are sent to the recipients XXXX balance for them to use. At this time, its not possible to cancel a payment thats been sent to a registered user in XXXX. '' This is obviously not true. it continues " Only in instances when the funds are still in XXXX system, can we reverse the funds with the recipients permission. '' This is also not true. XXXX reversed the fund without my permission. As a result, I 've lost {$1100.00}. The app also says " your withdrawal could be delayed or blocked if we identify an issue. It does n't happen often, but if it does we 'll send you an email. '' This is also not true. No email was sent to indicate that that there was a problem with my transfer. Instead, the only email I got was that my account got frozen without an explanation. I believe that XXXX violated their own policy and is abetting scammers. False advertisement is illegal. I did a simple XXXX search and found that many people are having the same problem, some are reported to the BBB. There are many websites out there specifically highlight this exact problem. I checked their app review on the XXXX store and again, many people are facing the same frustration. This is a class action lawsuit waiting to happen. XXXX must be aware that scammers are exploiting XXXX 's vulnerability but has failed to close this loophole. When you are aware that there is a problem and choose not to fix it, you are legally liable for damages caused by your inaction because your platform facilitated fraud. I just want my money back.
Product: Bank account or service

Discover Bank erroneously deleted me as the primary account holder on my savings and checking accounts and assigned my daughter who was a joint holder with me as the sole owner of these accounts. As a result, I lost access to my accounts. Discover Bank then started withholding federal backup interest even though the IRS did n't require that I be subject to such withholdings. When my daughter brought what had happened to Discover Bank 's attention, they readily admitted to their error, surprisingly also admitted that this had happened before to other customers, and promised to undo it as quickly as possible. However, soon after agreeing to fix their mistakes they stopped working on it and communicating with us. Please see the attached letter for a detailed discussion of what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Product: Mortgage

On XX/XX/XXXX Sunwest mortgage pulled my credit report. I applied to them because XXXX XXXX stated that I had XXXX days after my credit was pulled on XX/XX/XXXX by another mortgage company. I did not authorize Sunwest Mortgage to pull my credit again. They stated that I signed an electronic form authorizing this but I did not. I was under the implied impression that my credit pull from the XX/XX/XXXX would be used. They will not contact the credit bureaus to remove this inquiry for the reports. This is fraud because I didnt authorize this and I even told them that I did not.
Product: Debt collection

Signed an auto lease and was originally approved for {$9800.00} for a car at the dealership on XX/XX/year>. Few days later called back with a new contract for {$6800.00}. With a blue book value of {$3200.00}. 10 days after leaving the car lot the car experiences transmission problems. Contacted and took the car back they agreed to fix it. The day it was to be fixed I couldnt make it in and asked for a reschedule. Couldnt receive a response to a reschedule date let the finance company Mid Alantic Finance know as well. The company they sold the lien to without giving me disclosure information of that. Which is a violation in itself. Gave a down payment of {$1200.00}. They also pulled my credit multiple times under multiple different companies pulling down my score even more. Emailed and mail to XXXX & XXXX Auto as well as Mid Atlantic Finance about the release of the MSO/MCO if they had ownership of the title that was transfered into my name. The owner XXXX XXXX then attempted to call me and curse me, threaten me and is a breach of peace. She called my dad and released information to him cursing at him and scaring him. A unauthorized car hauler came to my home at XXXX, after I stated I would like my down payment back and it removed off of my credit. They havent obliged since XXXX XXXX. I also wasnt told I had 30 days to review and change the contract I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file this complaint on I.Q Data International due to lack of verifying this debt, proof also lack of support in this tedious matter. I feel violated, compromised and devalued as a consumer. 
I was attempting to start the home buying process but after review of my credit report of a collection from my previous place of residency I was denied assistance due to being told this was reporting as an eviction in which I fulfilled my lease agreement so I knew that was untrue. I was very shocked with all sorts of confusion. I spoke with the collections agency after receiving a notice to verify as to why I received a letter. I informed the debt collector in XXXX to validate the debt but no information was given regarding the amount due of {$1100.00}. Even disputed this fraudulent charge due to leaving the apartment spotless so I had no clue why this was happening but no follow up from the dispute regarding. I then attempted to relocate the following year by renting another home but was denied due to the same account reporting negatively with a higher account balance which from what Ive read, once an account has been sold to a collection agency it can not have a past due balance as a collection is past due by default. However, on XX/XX/XXXX I called debt collector again after receiving another notice and asked again to please validate the debt. I was told by the agent the charge was for damage. At this point, I was really puzzled but continually advised there was no damage on my part. There was never a court date for this issue which shouldve transpired if this was so, pictures also a verification letter confirming details of the debt and once again the company has failed to show proof. 

Besides this situation, Ive never had any issues with a landlord and Im a really great tenant who takes care of any residence in which I reside and theres never much of anything to be done to accommodate the next tenant. This fraudulent charge reporting from this account isnt correctly reflecting the person I am nor does it accurately show my actual credit worthiness or trustworthiness as a tenant. 

In addition, this negative line on my credit is preventing me from purchasing my first home, a place where my children can permanently live also make new memories and I just want this nightmare to be over just to eliminate this account from my record. I would like to stress that the negative information being reported is totally inaccurate and fraudulent. I am simply asking that this account is thoroughly investigated because of the circumstances in which this has occurred with no validation of this debt.
Product: Mortgage

Mortgage transferred to new company without consent. New company hard check both my credit and XXXX XXXX  credit several times each, lowering both our credit scores with no knowledge of this or consent to access our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed issues on my credit report from Equifax as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Equifax and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o Civil Liability for Noncompliance. I have identified inaccurate, incomplete, or improperly reported information on my credit report, which has not been addressed despite previous attempts at resolution
Product: Credit reporting or other personal consumer reports

I went to Bank of America to make my payment last month XX/XX/year> and the person who helped me told me that the system was down and that the payment would be reflected in 1 day, however my payment was reported 10 days later and because of this error of the system or of the person who helped me at the Bank of America branch Bank Of America is reporting my account 30 days late specifically in ( XXXX ) I need this report to be removed, my credit is being affected. I made my payment on time and the branch was the one that made the mistake, I have my payment receipt. I need the 30 late payment removed as soon as possible, it was a mistake by the bank! This is not fair.
Product: Credit card or prepaid card

The foreign customer service representatives for Citibank credit card refuse to activate our credit card. The foreign customer service representatives do not speak nor understand english and read from a script that does not answer your questions. When confronted with their lack of english language skills they simply hang up the phone. 
Citibank needs to be fined another XXXX XXXX dollars for their continued credit card fraud, SCAMS. They issued my spouse and I ( joint account as authorized user ). Both cards have the exact same account number and security code. We called to activate and the foreign representatives were unable to activate. They tried to send text to both our phones as listed when we applied but the said there system would not allow it. I tried to activate online but their website was not functioning properly. We told the foreign representatives to close the account but they refused to close account. HORRIBLE foreign customer service or I should say that Citibank is committing consumer fraud by BAIT AND SWITCH tactics by issuing credit cards only to not activate them. We received the welcome kit in the U. S. Mail as well as an email congratulating us that we are now members of Citibank thank you preferred credit card. Citibank is corrupt and a complete joke. As soon as we pay off the XXXX XXXX credit card we will close it since Citibank has something to do with it. Also, we no longer shop at XXXX since Citibank screwed up their credit cards. Please fine Citibank another XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple billing inaccuracies. The late payments do not reflect my standard payment history.
Product: Credit reporting or other personal consumer reports

FCRA 605B might mean we got ta delete the wrong stuff from my credit report. Can you check if the papers match? Some accounts listed have wrong info about what happened and when it happened.
Product: Checking or savings account

I am filing a complaint against Wells Fargo Bank for the unjust closure of a joint account I hold with my XXXX mother. I have been managing her finances responsibly under a valid Power of Attorney ( POA ) and joint account, ensuring her funds are handled in her best interest. On XX/XX/year>, I attempted to order checks for the account and was informed that Wells Fargo intends to close it in XX/XX/year> for undisclosed business reasons. Despite multiple attempts to seek clarification, the bank has refused to provide any legitimate explanation. This account is critical for managing my mothers day-to-day expenses, including utility bills, insurance payments, Social Security disbursements, credit card payments, and pension funds. I am particularly concerned that this closure may be linked to a false or unfounded allegation of financial misconduct. Wells Fargo previously provided documentation that led to a private investigation involving a detective from XXXX XXXX Police Department and an official from the XXXX XXXX  XXXX XXXX. These allegations were dismissed once it was revealed I hold a valid Power of Attorney over my mothers finances and acted solely in her best interests. It seems Wells Fargo is now attempting to distance itself from this situation and their mishandling of the investigation. I have always managed my mothers finances with diligence, including moving funds to a higher interest-bearing account for her benefit. I fully cooperated with inquiries from XXXX XXXX XXXX, providing all necessary documentation, including the POA. Wells Fargos decision to close the account, without properly freezing or investigating the matter, raises concerns that they are attempting to avoid legal responsibility rather than addressing the issue transparently. This closure will disrupt my mothers financial stability and may lead to missed Social Security payments, unpaid bills, and late fees. The lack of sufficient notice would also result in substantial financial hardship, as my mother could be subjected to late fees across multiple institutions. Furthermore, it may prevent her from accessing necessary records for IRS reporting. I respectfully request the investigation of Wells Fargo 's actions and order the bank to keep the account open. I also request that Wells Fargo be required to provide all paper records of the accounts to ensure proper financial reporting to the IRS. An explanation for this closure is necessary, along with assurance that both my mothers and my rights are protected. Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.
Product: Debt collection

I have asked this company to cease all contact via phone, text, email, and credit report according to U.S. code 15, 1692c Communication in connection with debt collection.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collector 's further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be completed upon receipt.