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

I know that under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the pics for compliant : CFPB # XXXX  XXXX XXXX  XXXX XXXX XXXX I forgot to attach the pics.
Product: Checking or savings account

WELLS BANK MADE INITIAL ACH PAYMENT TO A CRUISE COMPANY THAT LATER WENT IN TO BANKRUPTCY. -- THE AMOUNT WAS {$17000.00}. 
CONSUMERS HAVE ASKED WELL FOR REVERSAL OF THE ACH PAYMENT BY SIMPLY SAYING " REGULATIONS '' DO NOT PERMIT.. 
CLAIMANTS EARLIER ASKED TRAVEL COMPANY FOR REPAYMENT AND TO REVOKE OUR CRUISE REQUEST BECAUSE THE CRUISE WAS CANCELLED, INITIALLY. THEN THE CRUISE COMPANY ( XXXX ) POSTPONED THE CRUISE TWICE MORE UNTIL XX/XX/XXXX -- IT WENT IN TO B/K, AGAIN CANCELLED ALL CRUISES, AND KEPT ALL CONSUMER FUNDS. 
LATER INVESTIGATION BY B/K TRUSTEE SHOWS THAT XXXX OWNER WAS VOMITING FRAUD BY ACCEPTING CONSUMER FUNDS WITH NO INTENTION OF PROVIDING ANY GOODS OR SERVICES ( CRUISE ). AND COMMITTED FRAUD AND MISREPRESENTATION TO XXXX SENIOR CITIZENS. 

CONSUMERS THEN SENT WELLS THEIR LETTER ON XX/XX/XXXX, WITH NUMEROUS LETTRS EXPLAING THE FACTS, PROVIDING LEGAL REASONS WHY THE INITIAL ACH CHARGE AND TRANSACTION TO XXXX WAS NOT, IN FACT, AUTHORIZED BY CONSUMERS. CONSUMERS ALSO PROVIDED AFFIDAVITS TO WELLS THAT : 1. CONSUMERS RECEIVED NO BENEFIT FROM THE TRANSACTION, 2. THAT CONSUMERS DID ASK MERCHANT TO REIMBURSE CONSUMERS, 3. THAT CONSUMERS HAVE PROOF OF REVOCATION OF THE ACH PAYMENTS TO MERCHANT, 4. THHAT, IN LAW AND FACT, BECAUSE OF THE FRAUD AND DECEIT BY THE MERCHNAT, CONSUMERS DID LEGALLY NEVER AGREE TO THE TRANSACTION, AND THEIR REVOCATION OF THE ACH TRANSACTION WAS LEGAL AND TRUE. 

CONSUMERS SHOWED WELLS THAT PURSUANT TO BOTH ACH AND NACHA RULES, CONSUMERS DID NOT LEGALLY AUTHORIZE THE DISPUTED TRANSACTION. 

CONSUMERS SHOWED WELLS THAT THE ACH TRANSACTION WAS UNAUTHORIZED BECAUSE OF THE FRAUD AND MISREPRESENTATION AND THAT PURSUANT TO ACH RULES IT WAS AN UNAUTHORIZED TRANSACTION. 
ALSO PURSUANT TO ACH RULES, THE " NON RECEIPT " OF ANY GOODS OR SERVICES ( CRUISE ) ALSO AUTHORIZES A REVERSAL OF THE ACH PAYMENT To THE CONSUMER.

CONSUMERS HAVE SENT TO WELLS 5 LETTERS SHOWING IN DETAIL WHY THE ACH PAYMENTS SHOULD BE REVERSED TO 2 SENIOR CITIZENS.

THE ONLY RESPONSE FROM WELLS WAS ( 1 ) LTR DTD XX/XX/XXXX STATING THAT " RULES '' DO NOT ALLOW REVERSE AUTHORIZATION AND THAT OUR ONLY RECOURSE IS TO CONTACT THE MERCHANT. ( 2.. ) A LTR DTD XX/XX/XXXX ATTACHING DOCUMENTS IN THE MANNER OF AFFIDAVITS STATING THAT CONSUMERS DID NOT RECEIVE ANY GOODS OR SERVICES FROM MERCHANT AND CONSUMERS DID, IN FACT, TELL MERCHANT TO REIMBURSE THE ACH PAYMENT. THEN ( 3. ) WELLS LAST LTR WAS ON XX/XX/XXXX STATING THE CASE WAS CLOSED. 

CONSUMERS ALLSO SHOWED WELLS PART OF THE FRAUD BY MERCHANT WAS THAT AS SOON AS A PAYMENTS WAS RECEIVED BY MERCHANT, THAT PAYMENT WAS INTERNALLY CONVERTED TO A POSSIBLE CLAIM ON FURTHER CRUISE AS A CREDIT. BUT, NO LONGER COULD BE RETURNED IN FUNDS. THIS IS A REASON WHY MERCHANT CLAIMS IT COULD NOT RETURN OUR ACH PAYMENT AND WAS PART OF THE OVER ALL FRAUD BY MERCHANT.

CONSUMERS CAN PROVIDE IN DETAIL ALL THE DOCUMENTS THAT SHOW THIS CASE FOR REVERSAL AND ARE ASKING THE CFPB TO INVESTIGATE WHY WELLS CONTINUES TO TELL THE CONSUMERS, AS 2 SENIOR CITZENS, WHO WERE HURT BY THE LOSS OF THE INITIAL ACH PAYMENTS, WHAT " RULES '' DO NOT ALLLOW THIS ACH REVERSAL. 

THE WELLS CASE # XXXX SIGNED, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sent a wire for XXXX to wise they canceled transaction and refuse to refund money
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Money transfer, virtual currency, or money service

Hi on XX/XX/21 I sent a XXXX payment to my bank account that was closed. I contacted PNC and they said the funds have been rejected. I contacted XXXX and they said the funds have been accepted. So for the past month I have been trying to get my money back to no avail. Then this monday the I thought I cashed out to my XXXX account but it did the same thing. So now I have XXXX $ just sitting in limbo. XXXX or PNC are being absolutly bo help and it is getting furstrating. I have provided proof of the rejections and have contacted cashapp over a dozen times.
Product: Debt collection

I insist that your bureau updates the reporting of late payment dates to accurately reflect the current status of the accounts. I understand the importance of accurate credit reporting and take my financial responsibilities seriously. However, it is essential to note that there were occasional delays in my payments. It is unnecessary and misleading to continue reporting late dates when the accounts have been paid and are no longer delinquent. The reporting of these late payment dates is adversely affecting my credit standing and does not accurately represent my financial history. Despite these temporary lapses, I made the necessary payments to bring the accounts up-to-date, and there is no outstanding balance that justifies the reporting of late payment dates. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I request a prompt and thorough investigation into this matter, with the immediate removal of the inaccuracies and the updating of late payment dates to accurately reflect the current status of the accounts. It is crucial that your bureau complies with the Fair Credit Reporting Act ( FCRA ) and rectifies these discrepancies without further delay. 
XXXX XXXX XXXX XXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXXXXXX XXXX XXXX XXXXXXXXPLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I expect to receive written confirmation of the resolution and the updated credit report at the earliest opportunity. The reporting of inaccurate late payment dates is not only misleading but also detrimental to my financial reputation, and I insist on a swift resolution to rectify this issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX  XXXX XXXX - Opened XX/XX/year> with a balance of {$9900.00} account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Preferred Lease XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$2400.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not fulfilled its legal duties to fix an erroneous account on my credit report. I was taken advantage of due to malpractice. Several laws were broken under the FCRA by XXXX. XXXX has caused me financial injury and defamation of character. I can not apply for a job or a loan to help my business grow because XXXX has not taken any action to solve the disputes. It has been over 60 days now and still I am waiting on them to correct the mistakes so I can proceed with my life. There has been a security freeze and fraud alert on my credit for the past 4 years. This account has been on my credit too long due to XXXX not following the FCRA laws diligently. I hope this dispute gets resolved soon so I can get back to providing for my family and support my further childs birth.
Product: Checking or savings account

On XX/XX/2023, Citizens Bank sent me a text alert, asking if I authorized charges on my debit card. I responded No, I did not authorize these charges and called Citizens Bank immediately. I was told they must allow the charges to post to my bank account in order to open an investigation even after I told them I did not purchase any of these charges from my debit card. I have called XXXX times and visited local branch XXXX times to get my money back into my account and was told I have to wait for their claims department to call me. No one has called me as of XX/XX/XXXX. The following charges are fraudulent charges and Citizens Bank refuses to honor their policy of XXXX liability XXXX  card unauthorized transactions. 
All these XXXX following charges posted to my account on XX/XX/XXXX. The charges are all from the same merchant XXXX com bill, XXXXXXXX XXXX 
{$15.00} / XXXX charges for this amount {$5.00} / XXXX charges for this amount {$10.00} / XXXX charges for this amount {$21.00} / XXXX charges for this amount
Product: Student loan

For years since Sallie Mae transitioned to Navient I have been unable to converse with someone in the USA who can help me with other repayment options. They have continually increased my interest rates and bought other private loan companies out without having my permission to allocate my information to them. Navient has taken XXXX of my money to repay my XXXX worth of loans and the entirety of that money has gone to their jacked-up interest rates. Hardly any payments have gone to the principal of the loan. They harass you for payments when you have made payments to the point of 10+ phone calls per day. I do not have records of all calls due to the years of harassment on behalf of the company. I have detailed reports of all payments to the company that will show the continued increase in rates without giving the borrower any options to get out of debt.
Product: Debt collection

I notice fraudulent accounts on my credit report that I have no knowledge of or consent too in the amount of {$14000.00} I have filed a police report with the local sheriff department for identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Honda financial account closet still showing open with charged fees after 120 days closet open again put 30 days late payment XXXX frca
Product: Credit card

Opened a spark business capital one credit card was told that it would go under my business but was put under my personal Opened a XXXX XXXX account and was told it would go under my businesses but was put under my personal My personal credit history is affected due to my business transactions
Product: Debt collection

Company place fraudulent debt on my credit report from a gym located in Georgia Im a XXXX  of XXXX  I put in a ftc report and locked my credit also company called and threatened told me my credit would be affected
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I request that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I received a notice from Calvary stating their intention to garnish my wages. This came as a surprise to me as I have no outstanding debts or obligations to this company Prior to receiving this notice, I had not received any correspondence or communication from Calvary regarding any alleged debt, past due payments, or any other matter that could warrant wage garnishment. There was no opportunity for me to resolve any issues or dispute the claim before they took this drastic action.

According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written verification of the debt upon request. I have not received any such verification from Calvary.

By attempting to garnish my wages without providing proper verification of the debt and without giving me an opportunity to dispute the claim, Calvary has violated my rights as a consumer. This has caused unnecessary stress and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX account is reporting fraudulently on my equifax credit file. this in is not my account, i have disputed this account for many months XXXX and XXXX have already removed this account with the best customer service, but equifax is very much ignoring my request, please help, i have XXXX and found out that is site would be helpful to consumers. you are my last hope. please have this inaccuracy removed from my credit file, i will be attaching the FTC report to this site please help me with this matter thank you
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of XXXX XXXX  and XXXX Accounts Dear Experian Dispute Department, I am writing to dispute the continued reporting of the following accounts on my Experian credit report. These accounts have been recently deleted by XXXX, which verified inaccuracies during their investigation. I request that Experian conduct a similar investigation and remove these accounts promptly. 

Accounts to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute The accounts listed above contain inaccurate and unverifiable information. XXXX deleted these accounts after determining they could not be verified. As mandated under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), credit bureaus are required to maintain accurate and verifiable information on consumer reports.

Requested Actions 1. Conduct a thorough reinvestigation of the listed accounts.

2. Remove these accounts from my credit report if they can not be verified.

Supporting Documentation 1. A copy of XXXX confirmation of deletions.

2. My identification documents ( drivers license and proof of address ).

Your Responsibility Under FCRA 1681i ( a ), you are required to conduct a reinvestigation and provide a resolution within 30 days. If the accounts can not be verified, they must be deleted immediately. 

Thank you for addressing this matter promptly. I look forward to your confirmation of the deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lost my job and my conns home plus bill went to collections. They have call everyday the past three months and have now been calling up to 7 times each day. This has been going on for over a week.
Product: Checking or savings account

There is a pending charge of XXXX by XXXX on my account. After several days contacting XXXX they said there was no pending charges on my account. I spoke with chime and they refused to release the money without some type of authorization number. XXXX couldnt supply XXXX because they dont see the charge. I offered to forward the email stating that XXXX showed no charge and they refused to give me an email. I was hung up on twice and transferred to a supervisor XXXX  times in XXXX phone call. They refused to tell me where they were transferring me and finally said they couldnt help me. I recorded part of the conversation where I repeatedly asked where it stated rental car companies can stay pending for XXXX  days and she refused and hung up on me.
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. 
I Told the Experian and XXXX to reinvestigate these accounts ; XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 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 consumerreport 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: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX