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

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

I opened a line of credit with US Bank in XXXX XXXX. During the 7 years, I had the line open, I had exceptional payment history. In XXXX XXXX, I paid off entire balance from with final installment of {$520.00} ( per my monthly statement ). At that point, there should have been zero balance and no further activity on the account. I did not receive any further statements from the bank post my last payment of XXXX XXXX. It was not until XXXX XXXX, it was brought to my attention that there was an XXXX balance on my account that resulted a derogatory 30day late in XXXX and a 60day late in XXXX. I immediately paid the XXXX and a yearly fee on XXXX XXXX, XXXX and closed the account. In my view, reporting XXXX past due to the credit reporting agencies as 60 days past due, while US bank failed to send me statements during the months it was past due is a violation fair credit reporting act and FDCPA.
Product: Debt collection

Dear XXXX I want to thank you for responding to my request You sent me Information on a debt that you claim I owe But how you have a patients name as XXXX XXXX she is My Brothers child I'm not sure how her information got attached to my name I have reached out to my brother about this he is Very upset that you are violating his daughters name to other family members. also I believe this is a Hippa Violation for you to be sharing patients Data info with others.
Product: Credit reporting

Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my computer was hacked and I got sucked into a scam that day and also on XX/XX/XXXX. On XX/XX/XXXX the scammer had me wire transfer {$24000.00} to another Wells Fargo customer and then he showed me on line that my checking account was hacked. He had me go to another Wells Fargo branch the following day, XX/XX/XXXX, and wire transfer {$26000.00} from my savings account to a different Wells Fargo customer telling me that both accounts had been hacked " probably by a Wells Fargo employee ''. The scammer told me not to answer any Wells Fargo phone calls and he told me not to speak with family or friends about any of this. On XX/XX/XXXX I broke my silence and my family made me aware that I was in a middle of a scam ; I am XXXX XXXX XXXX and I had no idea I was a victim of fraud. We confirmed the scam with Wells Fargo on XX/XX/XXXX. 

I then immediately filed a report with the city of XXXX Police Department. I filed a report with the FBI. I filed a report with the FTC. XXXX XXXXXXXX XXXX XXXX of the FBI phoned me to ask if my money had been returned ; I told them " no ''. I filed a claim with my home owners insurance and they denied it. Someone kindly reported my situation to the XXXX XXXX XXXX XXXXXXXX XXXX who made one phone contact to me to check on my well-being. 

I was told by Wells Fargo that because I initiated the wire transfers, the money was gone and I would not be reimbursed even though they knew that the money was sent to two of their other customers ' accounts. I escalated my claim to the President/CEO of Wells Fargo and after their investigation they said my claim was denied because the bank said " funds from the wire are not able to be credited to my account. '' The {$50000.00} cleared out my entire checking account and my savings account. It has been devastating.
Product: Credit card or prepaid card

I opened a prepaid account with capitol one at the end on XX/XX/2020, I deposited XXXX $ to open this account. once I started using the card they restricted my account saying it was flagged as possible fraud. I was only using the card daily for gas smokes food etc ... also I was in the process of moving so used to buy things for new place. so I contacted them and finally was able to send them a picture of my bank account statement that showed account number full name and showed the deposit to them in my posted transactions. they reactivated my account and not even a week later they restricted it again, so I called and they wanted me to send them a bunch of documents to prove I was me most of which I don't have as I just moved and have to get new documents so I finally told them to close the account and send my deposit back after getting no where with them as I wasn't about to just leave my account suspended. I was told that it would take two to three months to process and o would then receive my deposit back, which is a long time to wait. it has been four months now and they still haven't processed it and refuse to manually process and send the check to the address they have on file with them unless I send them documents that I don't currently have or way to send them the documentation of the stuff I do have. they pulled the XXXX out of my account of XX/XX/XXXX so for four months now my money has been floating around. I want to know where my money is and why they have refused to release the funds to the address they have on file for me, thanks
Product: Vehicle loan or lease

US Auto Sales not sure what date me and my co-signer went to get the vehicle. XXXX XXXX is the consigner on the car. The name of the leasing company is Westlake portfolio. They are charging me money or at least trying to and interfering with my credit because of the car. I wasnt driving the car at the time. XXXX and I was and we got into a car accident and totaled the car. She didnt tell Westlake XXXX I was told from her that an insurance check should be coming to my house which it didnt. I am the licensed driver on the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent XXXX, Equifax and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries on my report from XX/XX/XXXXand after are unauthorized. Im not sure how these are on my report and the lenders dont know either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by TransUnion. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable.

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute.

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that TransUnion will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information.

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Debt collection

TransUnion is reporting false collections on my credit report. By law that is illegal. FDCPA 809 Violation Misleading False Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXX XXXX. This account is time-barred and needs to be removed from my credit file. On XX/XX/XXXX and XX/XX/XXXX, I  complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to this account. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX listing. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, XX/XX/XXXX Attorney General, XX/XX/XXXX Attorney General, XX/XX/XXXX and my legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collector continues to update/change the amount due on the accounts to both XXXX and XXXX back and forth from XXXX to XXXX and then back to XXXX.. so on. I have not made an payment and this continues to hurt my credit score as if I am missing a payment and making a payment when actually the collector is changing the amount owed every month illegally. Please remove Hunter Warfield from all credit reports.
Product: Credit card or prepaid card

BBVA Compass Bank allowed someone to open a XXXX debit card in my name, via on-line. I received the card in the mail with only my e-mail incorrect as I would have received something of a thank you for doing business with them which would have alerted me to stop use of the card right away. 
When asking BBVA for verification of identity information provided to this bank, proving they were me, I was told they did not provide that information to anyone. Soooo, someone else can get a debit easily and fraudulently but the victim has no rights. Got it!!!! However on my SECOND call, ( in the US this  time ) I was sent a fraud packet to complete. Problem ... .the information they asked for was everything but blood type which, if not legit, would give these people access to EVERYTHING. I do n't think so!!! They did stop the use of my card right away by putting a hold on it ; not sure if that means the card goes away. I believe not so I am using this government agency to stop this completely and with the addition of security of my information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate XXXX  XXXX Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute the XXXX XXXX  bankruptcy entry listed on my credit report. The details of the entry are as follows : Reference Number : XXXX Date Filed : XX/XX/year> Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Joint Asset Amount : {$0.00} Basis for Dispute : Upon reviewing my credit report, I believe that there may be inaccuracies regarding this bankruptcy entry that could be adversely affecting my credit score. Specifically : 1. Joint Responsibility : I would like to clarify the nature of the responsibility associated with this bankruptcy. If there are errors related to joint responsibility or other details that inaccurately represent my liability, I request verification of this information.

2. Discharged Status : While the bankruptcy was filed, it was discharged on the same date, and I want to ensure that this information is accurately reflected in my credit report. It should indicate that there are no outstanding balances associated with this bankruptcy, as the asset amount is recorded as {$0.00}.

3. Impact on Credit Score : Given that this entry is present on my credit report, it may have a significant negative impact on my credit score. I request a thorough investigation into this matter to ensure that my credit report is accurate and fair. 

Requested Action : I request that you investigate this matter and correct any inaccuracies related to the XXXX XXXX bankruptcy entry on my credit report. Please provide me with documentation verifying the details of this bankruptcy, including any relevant judgments or rulings from the court. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation and respond to my dispute within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Bank account or service

We opened up a checking account with USAA, after receiving a promotional email from them. We are members. My husband is XXXX Military and has been for 12 years. We set up his paycheck to be direct deposited. Within 24 hrs of this deposit, USAA withdrew our ENTIRE account and left us with a XXXX balance. When we called to question, they informed us it was for a " charged off debt from 2008 ''. We were completely shocked. Not only were we NOT aware of any prior debt to USAA, we have never heard of any of this until now. No written correspondence, not once has any of this ( alleged ) debt ever showed up on any credit report of ours, or has USAA tried to collect this ( alleged ) debt from us in the past. I pleaded with the customer service that this is a mistake, this is an error! We are disputing this debt as an error applied on our bank account. I pleaded with customer service that my husband ( XXXX military member ) is our only source of income, we have children, and need his paycheck to live! Taking all of our money will put us in a serious financial hardship where we can not buy food, pay utility bills, buy gas, and pay our house payment. I spoke with XXXX different people to try to resolve this, and nobody from USAA would reverse the wrongful charges or work with us at all until these fraudulent charges were figured out and proved, which is what I requested. Nor did they even seem like they cared. They wrongfully took all our money and we need it back. I am also disputing any supposed debt they say we owed them. There was no mention of this debt when we opened the checking account! We have been members of USAA for years and have XXXX USAA credit cards that have been in good standing for over 2 years with USAA, and never has USAA ever mentioned anything about ANY money owed to them! This is how they treat their service members and their family? We feel like we have been robbed and feel helpless. Someone needs to help us please!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX NC XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Mortgage

I applied for a mortgage with a bank to purchase a single-wide manufactured home. The loan was pre-approved and because I was doing an FHA loan, the loan officer told me that I needed to pay for a retro-fit foundation and an engineering design and certification letter in order to comply with the FHA requirements for the loan. The seller agreed to split the cost of the retro-fit with me. The retro-fit was {$2500.00} and I paid {$1200.00} of that amount. I was required to pay for the Foundation Inspection and Engineer 's Compliance Report as well which cost me {$420.00}. After I paid for those XXXX items, the bank sent out an appraiser. Once the appraisal was turned in, the underwriter came back and told me that they could not approve the loan because they do n't do loans on single-wide manufactured homes. The loan officer knew this was a single-wide manufactured home from the beginning so this is something that they should have told me before I invested the money for the items they required. I paid for the appraisal in advance as well but I was able to get the bank to refund my money because it was their mistake. Because the loan officer did n't tell me that they could n't do loans on single-wide manufactured homes, I am now out the cost of the retro-fit and the Foundation Inspection and Engineer 's Compliance Report which was a total of {$1600.00}. The loan offer and bank refused to refund my money even though they admitted that they should have never allowed the loan to get that far in the process on a single-wide manufactured home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : The issue I am having with Bank of America is not actually a credit reporting but actually, being reported to XXXX XXXX. I have been a BOFA client for XXXX  years and on XX/XX/2022, there was check fraud on my account. I immediately called BOFA to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by BOFA that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to XXXX XXXX anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from XXXX XXXX even though the account has been paid back by my own funds. I would like to have BOFA remove me from XXXX XXXX. Thank you.
Product: Debt collection

Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.