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

I am writing to formally address concerns regarding my account with your institution. Specifically, despite fully paying off a this account. I believe CITI CARD is violating my rights under federal consumer protection laws. The reported information is inaccurate and should be deleted for the following reasons : 1. Incorrect Balance and Past Due Amount : This account was paid in full. The balance and past-due amounts are incorrect. 2. Incorrect Payment History : The reported payment history rating does not reflect the accounts actual payment record. 3. Misclassification as a Charge-Off/Collection : This account is not a charge-off or collection. It has been fully paid and should be reported as PAID. 4. Incorrect Remarks Field : The remarks field is misleading and inaccurate. Please delete all remarks associated with this account. The continued reporting of this inaccurate information is a violation of the FACT Act and the FCRA, which mandate that credit reporting agencies ensure the maximum possible accuracy of the data they report. I am requesting that this account be reviewed and updated to reflect the following changes : I request the immediate removal of this account from all credit reporting agencies. Details of Violations 1. Fair Credit Reporting Act ( FCRA ) : CITI BANK credit card has inaccurately reported my paid charge-off as unresolved to credit reporting agencies. Additionally, the account has not been updated to accurately reflect its paid status, despite my requests to rectify the issue. 2. Consumer Financial Protection Act ( CFPA ) : Your institution has engaged in practices that may be considered unfair, deceptive, or abusive by failing to ensure accurate reporting and withholding proper resolution information. I request the immediate removal of this account from all credit reporting agencies. I am writing to formally address the tangible losses I have experienced as a direct result of the inaccuracies in my credit report. These violations have led to the denial of loans and higher interest rates, significantly impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting statutory damages of {$1000.00} for each violation. Additionally, I am seeking compensation for monetary damages, including punitive damages, to address the harm caused by these errors.
Product: Checking or savings account

On Friday XX/XX/XXXX after XXXX I went to Bank of America, XXXX XXXX XXXX to wire transfer {$1500.00} to my brother in XXXX. The paperwork was completed by XXXX XXXX about XXXX. He said Wire Dept. was closed at XXXX. and this transaction is not going anywhere until Tuesday XX/XX/XXXX. Monday was holiday. Later I noticed an error and went back to B of A Saturday XXXX. I talked to the Manager to cancel the transaction. She did the paperwork and said Wire Dept. is closed, this will be cancelled first thing on XX/XX/XXXX. I was at B of A Tues. XX/XX/XXXX by XXXX XXXX. to make sure it is cancelled. XXXX XXXX told me it is cancelled already. He said the money will be in your account by the end of today or tomorrow. I went to bank the following Friday. Mr. XXXX send me email indicating that XXXX XXXX  does not respond. Then I found out the money went to XXXX. I filed complaint at Attorney General, Mayor of XXXX, Federal Trade Commission. I received response from Attorney General referring me to CFPB. I talked to Dispute three times, it was recalled but no response from XXXX XXXX  yet. Please help me to get my money back from B of A. I find them to be at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX I am writing this message in regards to a letter i received a few weeks back. I wish to have a description of the procedure used to codetermine that the information your sent to me was valid. Looking at a computer screen does not make it valid that is a violation of my rights as a consumer. You have violated several things within the FCRA, FACTA and you have violated the procedure to factually through the dispute process by allowing a computer to dictate if an account is verified that is fraudulent. You've made a serious mistake by placing an account that doesn't belong to me on my consumer report. I received an alert as to the account being fraudulent due to several breaches. I have mention this time and time again that i am unaware of the debt with XXXX XXXX XXXX and i asked for original documents of the contract, and the procedure used to verify the accounts listed. I never received any actual original documents there for you must remove this accounts immediately. I will not fall victim by being a fool to the credit bureaus. An account can't be verified by a computer. It is impossible. I want to see actual documents with my signature with the contract that i owe a debt. I have been harassed by your company and creditors for something i have no clue about. I will be filing a lawsuit upon your reply and actions you take this get this matter resolved. I am a consumer that is aware of my rights and i have the right to dispute any accounts that are not mine. I didn't give anyone and rights to to add any account or view my credit report without my consent. That is breaking the law and i want compensation of {$1000.00} for each error that is listed on my credit report. I've sent in several certified letters dating back to a year ago. I am now dealing with a lawyer that realized the errors and mistakes that you've caused to my consumer report. 
I am requesting a listing of the names, addresses and telephone numbers of the people they contacted at your bank. I am also aware of Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/1995 ). 
request that you respond to my letter in 14 days max within the time period i will following up on my credit file to ensure this matter is resolved within that time frame. If i'm not contacted in 14 days i will contact the FTC and my state attorney generals office located at Office of Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX. I will also file a petition in small claims court for items such as Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Fraud. I have copies of all the papers work I've sent in to be of certified mail, recordings over the phone for the past year on disputes. Emails and more. I am well equipped and ready for litigations beware that i am now turning this over to my lawyer. A letter will be sent from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. She will definitely be in touch with you.
Product: Debt collection

On XX/XX/2018 I contact them by written letter to paid for deleted that account of my credit report they never answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert today from a credit monitoring service with the following message.
 XX/XX/XXXX  Credit Negative information has been added to your credit report.
Activity Type : Delinquent Account Creditor Name : CONNS CREDIT   XXXX   XXXX   XXXX    XXXX , TX XXXX   XXXX  Industry Type : Home Electronics Sales and Service Amount Delinquent : {$120.00} Payment Status : Late 30 Days Account Number :  XXXX  Creditor Preferred Contact : Other This account was closed and sold to a third party in  XX/XX/XXXX . Conn 's does n't the right to keep reporting to the Credit Bureaus, therefore that 's a violation of the Federal Fair Reporting Act. Conn 's denied that they are reporting anything and blame the third party they sold the account   XXXX   XXXX   XXXX   XXXX    XXXX  When I spoke with this law firm the rep said that they does n't have the ability to report anything to the Credit Bureaus. CONN 'S has violated the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and XXXX American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date Updated : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXXXXXX XXXX ( Account Number : XXXX ) for inaccurately reporting late payments ( XXXX days late ) to all credit bureaus after my loan was transferred from XXXX, where I was in active forbearance due to hardship and hurricane impact. 

Under the Fair Credit Reporting Act ( FCRA ), accounts under a forbearance agreement should not be reported as late. Despite my compliance with the forbearance terms, XXXXXXXXXXXX XXXX XXXX reporting has significantly impacted my credit score.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Debt collection

I have included the files with pictures of the text messages. I received texts from 3 different numbers about contacting MRS BPO about a XXXX XXXX matter. Today I received a more detailed message about the amount I owed and how to reduce that rate. The website looked legit but the phone number did not match the number I was given by the MRS BPO agency. I called XXXX  XXXX and they confirmed there was no other account under my name and not to click the link in the text. I had already clicked it. And tried to log in with my birthday and last 4 of social. Which I realize was a mistake. I only ever got notified over text. I have also been receiving a lot of scam phone calls from the D.C area so not sure if that is related. I tried to call MRS BPO agency XXXX which I was told is their XXXX XXXX line and was unable to get through. I do not have an account number or email/letter with that information and therefore believe it to be a scam. I have been badgered with texts daily or weekly over the last 2 months. The number listed on the text to call was XXXX. This number has the same audio recording of a women saying you could use your tax refund to pay your debt. But it just kept repeating over and over. The actually MRS BPO agency had music that played in between the audio recorded message.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. These accounts and inquiries were added as a result of a data breach, and I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these items be removed promptly. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.

In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Checking or savings account

Wells Fargo Bank has opened unauthorized checking and savings accounts. After I flagged these accounts for fraud and identity theft Wells Fargo closed all my accounts without my approval. Wells Fargo ( WF ) charged my account penalties which caused my accounts to be negative, WF then started a series of overdraft fees to recur further deepening the negative balance. WF then sent the accounts to collection. WF refuses to give me any account information for my accounts going back to simply just XX/XX/XXXX. I have contacted my initial opening branch since the XXXX in XXXX XXXX, CA and they have confirmed that they 'Do not have access to my accounts ''. This is a direct violation of FCRA and they have intentionally committed various forms of fraud to intentionally further cause economic harm to me. 

WF has promised to assign a caseworker and to call me. They have failed to call me and further harm me as I can not lock my credit report and I can not apply for an SBA PPP Loan as per the Federal CARE Act since they have closed my checking account.

WF has been served letter by Senator XXXX XXXX of Massachusetts to answer to their frauds. 

https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX Wells Fargo had committed several violations of Federal banking, consumer, savings, and credit laws. WF has violated my California Privacy Rights. 

Wells Fargo Bank has paid over {$15.00} XXXX XXXX to  cover the frauds and is still closing people 's accounts daily and not giving them access to their records. 

The ticker symbol for Wells Fargo Bank is s WFC and trades on the New York Stock Exchange. with about {$2.00} XXXX dollars in assets WFC is the 4th largest bank in the United States. Wells Fargo is a shortable stock in a market where no uptick rule is currently in effect. 

Wells Fargo directors and officers list can be found here. Wells Fargo may be subjected to consumer and securities law derivative class actions. 

Wells Fargo distributes a Code of Ethics pamphlet if anyone runs out of toilet paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency is furnishing inaccurate information.
Product: Vehicle loan or lease

XXXX XXXX XX/XX/XXXX Transunion Account # XXXX To Whom It May Concern, I am writing to dispute the repossession on my account with the creditor reporting on my credit report. I respectfully request that you re-investigate this matter and provide me with a detailed explanation of the circumstances leading to the repossession. XXXX XXXX XXXX XXXX Violated the following 1. The right to due process. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2. Failures to notify me before they sold the car. 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  ) 15 USC Code 1601 Truth and Lender Act Among other requirements, the Act requires creditors who deal with consumers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and requires advertisements to include certain disclosures.

Furthermore, I request that you cease all collection activities and reporting inaccurate on this account until the dispute is resolved. I am aware of my rights under the 15 U.S. Code 1692j and 15 U.S. Code 1681 about the accuracy and fairness of credit reporting. I expect that my rights will be fully respected throughout this process. Section 623 ( a ) of the FCRA also requires creditors to promptly notify you if I determine that the previously furnished information is not complete or accurate. Please provide a written response to this dispute within 30 days of receipt of this letter. If you are unable to resolve this matter to my satisfaction, I may have no choice but to seek legal advice. Thank you for your prompt attention to this matter. I look forward to receiving your response and working towards a resolution.

Thanks you
Product: Checking or savings account

This is in regards to my dispute with Huntington Bank over transactions that are connected to a fraudulent brokerage scheme. This broker claims to be regulated by the CFTC and the SEC. Ive contacted both of these regulatory agencies and they told me that not only are they NOT REGULATED, but its illegal for them to even do business in the United States and that Ive been the victim of a scam. That makes any transaction with them fraudulent. I made deposits via my Huntington Mastercard to a brokerage firm called CloseOption either directly or through XXXX. These deposit transactions have either the description XXXX *XXXX or XXXX. Now, when you withdraw funds from this broker, they issue the withdrawal in the form of a refund directly back to your debit card or through XXXX to your debit card. Or so they say. Ive made deposits totaling {$16000.00} via my Huntington MasterCard. Ive only received {$2700.00} in withdrawals from these jokers. Im missing {$14000.00} in withdrawals/refunds. Thats not including any of my profits which I know Ill never see because this company is fraudulent. But I should at least be able to get my {$14000.00} back through Huntington. When I filed the dispute with Huntington, they closed my claim and only addressed the {$2700.00} in refunds that I received. They didnt address any of the other transactions. They didnt even offer me provisional credit even though its been 10 business days since I filed the dispute. The deposit transactions are as follows ... 

For description XXXX : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} For description XXXX XXXX XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} Thats a total of {$16000.00} in deposits. 

I have received the following refunds ... 

XX/XX/XXXX {$540.00} XX/XX/XXXX {$210.00}, {$540.00}, {$540.00}, {$860.00} Thats a total of only {$2700.00} in refunds. 

Im still waiting on {$14000.00} in refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called network to get TV service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me except the dish network account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent accounts off my report.