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

RE : Dispute of Inaccurate Information on Credit Report Dear XXXX, XXXX, AND TRANSUNION ], I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above.

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter.

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

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

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXXXXXX All Rights Reserved
Product: Credit reporting or other personal consumer reports

This is a follow-up to complaint XXXX. XXXX is showing a missed 30 day payment in XX/XX/year>. I was under bankruptcy protection. I've tried several times to have this fix this delinquent marker. This is inaccurate and has a significant impact on my credit report. This needs to be fixed.
Product: Checking or savings account

USAA has returned transactions unpaid when the balance of the account met the need to pay the items presented. They returned XXXX XXXX XXXX payment and a {$200.00} check when I have documented proof my account had the funds to pay the items. The representative at USAA also noted they too saw the funds were available and could not understand why the payments were returned. I attempted to resolve several times with no real answer other than the inaccurate depository agreement they submitted as proof which doesn't show deposits I made to cover said drafts. They appear to be running two different balance sheets, one for the customer and one internal which is not made available to the customer until they force an NSF. Unfortunately, this inaccurate proof still doesn't match a customer 's available balance on their mobile app or online account information. They appear to be reordering transactions to force a returned transaction. I'm not sure why they would do this because they have suspended charging the fees but are still causing harm to their member 's credit reports and time loss and reputations harmed. Based on my research this banking practice is commonplace however I have never seen a bank return an item when monies are available in the account. This is insane.
Product: Debt collection

To Whom It May Concern XXXX has tried to collect money for the service they did not provide. 
They have tried to use different collection bureaus to unfairly charge us. The first bureau, named XXXX XXXX XXXX XXXX, deemed XXXX  had no claim to bill us for a service we did not receive, hence they have now switched to the Collection Bureau of The Hudson Valley Inc. 
We called XXXX and the collection bureau and let them know that we are not responsible for the charge they are demanding because the service was cancelled and therefore not provided. 
We canceled the service/account with XXXX XX/XX/20 and received a confirmation email to go along with it. They want us to pay for the month of XXXX even though the service was canceled a month beforehand.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$350.00}.
Product: Credit card or prepaid card

I've been a personal capital one cardholder for many years. Never missed a payment, credit score around 800 or above.

I applied for a business card 7 months ago in XXXX. I received a credit limit too low for my business activities of {$10000.00}. 

I've requested an increase every month for the last 6 months : around XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I asked for it to be increased from $ XXXX {$50000.00}. 

Each time I received an immediate automated rejection letter without a specific reason or anything to do with my financials or a clear waiting period. The reason stated says they are still evaluating ... 

It does not give me my credit score or credit bureau where they derived information as I read on the CFPB website. 

I finally called in again today XX/XX/2020. The agents couldn't give me a reason and just said wait longer. I escalated this to a manager and he said there was no one I could speak to. I tried to file a complaint and he said he could note my feedback, but there is no way to escalate or file a complaint. He said he couldn't even read the 6 rejection letters in my account. 

What should I do? Am I being discriminated against? Help!!
Product: Mortgage

WF issued to me a check for {$200.00} claiming that it was to remediate an error on its behalf that caused my house to be sold at an illegal foreclosure. I want to know exactly what the error is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong info : fcra violations not mine : Names show XXXX  button Select as many as apply XXXX XXXX Addresses show XXXX  button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX  XXXX TX, XXXX Correct : please correct this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
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.

has violated my rights.

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. In addition I have provided the companies with a copy of a notarized ftc identity theft report. all of my private information has been leaked to thousands on various online platforms and has been used to create account and control accounts that where already existing. 



petal card with reported balance {$0.00} discover card with reported balance {$4300.00} XXXX XXXX XXXX XXXX XXXX} discover bank with reported balance 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: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My direct deposit was changed to an account wasn't mine. The account was changed to a chime account that does not belong to me. XXXX is also doing absolutely nothing to help me get my paycheck. I am now out XXXX and no one seems to be giving a XXXX  XXXX. 

The account that has my stolen funds is XXXX. Its from XXXX XXXX.
Product: Debt collection

Credit management control {$290.00} was from XXXX at XXXX hospital my insurance at time ask for 3 different amounts for different doctors my employer paid off there credit card up front. I have receipts still and I have given to 2 other collection company when I disputed in past. They took off and put all 5 accounts back on credit under difficulty companies names. 
Then credit tanks. 
Other amounts for credit management control are {$300.00} and {$540.00}. 
They were paid by employer for same XXXX. Had to pay up front paused in full. 
And with XXXX XXXX XXXX same insurance requires co-pay had to pay before seen a doctor {$10.00} and {$13.00}. 
Paid in full at time of service.
Product: Student loan

Most recently, I have begun receiving bills from AES ( again ). They have a pattern of misbilling me for times when my loans should have otherwise been in deferment, such as now, currently at the moment, as I am in school. <P/>
On the two most recent billing statements ( statements which I should not even have ), they first sent me a bill dated XX/XX/XXXX, with a due date of XX/XX/XXXX. Despite the fact that I have repeatedly called them to straighten this out, they continue to bill me erroneous on top of the error of issue these two bills ( so far ) in the first place. <P/>The second bill is dated a month later for XX/XX/XXXX, with a due date of XX/XX/XXXX, which also is incorrect. Among their egregious errors includes the fact that these billing statements also have dates, dating back to XX/XX/XXXX through XX/XX/XXXX, which were also times that I was in school and under deferred as well. <P/>Again, not only should I not be receiving any billing statements at this time, since I am currently in school and have not been out of school longer than even 8-weeks at a time, the times for which they are billing, they reflect past due amounts as well as late charges, and these too need to be corrected, in addition to the fact that these loans are clearly not following along with the Student Loan guidelines of deferring students loans while they are in school. <P/>I am writing you because I am not getting anywhere with them, and time is of the essence, as I do not want to have anything appear on my credit report.
Product: Checking or savings account

On XX/XX/XXXX my primary checking account became overdrawn for a payment that came thru in the amount of {$600.00}. On XX/XX/XXXX I visited a branch of XXXX in XXXX, Texas and explained to the account representative what was happening and that I had every intention of covering the overdraft before the 30 days had passed. 
On XX/XX/XXXX, XXXX transferred {$670.00} out of another checking account I have, without notifying me and leaving me at XXXX, and deposited it into the overdrawn account. It has only been 22 days that the account has been overdrawn and now my other account is being put in jeopardy as I have payments that are going to be coming thru tonight. I spoke to XXXX in collections this morning, XX/XX/XXXX at XXXX, and she could offer no assistance to me. I explained to her the life changing event going on in my life, divorce, and even gave a promise to cover the entire overdraft by XX/XX/XXXX. Again, I received zero assistance from her, just an " I'm sorry Mrs . XXXX. '' I was then transferred to XXXX XXXX, collections manager, and his only resolve was that he could transfer {$200.00} back and that was all. I have a 15 year background in banking and I know that is not true. If I had over {$100000.00} in my bank account, I guarantee I would not be having these issues with Chase Bank. My accounts have been in good standing and I feel I am being treated unfairly as my banking institution, again, is not willing to help. 
Back in XX/XX/XXXX, I filed a complaint against XXXX due to not being fully reimbursed when my online banking account was compromised. XXXX was not willing to help me recover all the monies that were stolen from account, only what they could recover from the account the monies went to. After filing the complaint, I had the difference owed to me within 10 days. 
I am very disappointed in Chase Bank and will be closing my accounts once this matter is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payment for XX/XX/XXXX was made on time, as evidenced by bank statements and payment confirmation receipts that show my payment was processed and sent well before the due date. 
Despite providing these documents, the late payment was inaccurately recorded on my credit report by all three agencies ( XXXX, XXXX, and Equifax ). 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Student loan

My student loans state that I received a loan amount in the month that I graduated college XX/XX/2012 from XXXX  XXXX  XXXX. I did not get a check for that month as I was already participating in my graduation process. I have talked with the lender/and or school about the issues and was told that I did receive the check. I feel like there is fraud happening somehow.
Product: Credit card or prepaid card

I applied and was approved for Destiny Mastercard in XXXX. A card was mailed out and had no issues. 3 months later, upon attempt to use card I was declined. I called destiny costumer service at XXXX and they stated there was a new card mailed out in which I did not request. Either way, I waited for a new card, which never came. 
I called the company and they stated a new card would be mailed out and apologized for the inconvenience. I was told it could take up to 14 days to receive the card. 
I never received this card. XXXX of XXXX I called company and explained the situation in which they apologized and stated they would mail out a card and to wait 14 days for card to arrive. The card never came. All the while, I am paying the interest and dues related to this card. I didn't have access to use my account because I did not have the card in my possession. Again the card did not come, i called the destiny company again on XX/XX/XXXX spoke to : XXXX  employee number XXXX, they stated they had it documented in their system that I stated I never received card and requested a new card be mailed but there was no card sent out. during that call I requested yet another card. I requested it be expedited which they could not honor. 
14 days later XX/XX/XXXX I called again and Destiny Company stated they are issuing another card and to call back to follow up in 3 days. They also stated that they were forwarding this information to their " higher ups '' and apologized for inconvenience. 
I called on XX/XX/XXXX and spoke to a rep who stated there was a " fraud claim '' on my file and no card was issued to be mailed out. I never put a claim in for fraud and now and livid that there is no card issued. 
i do not want to hurt my credit by closing my account or not making payments so I'm stuck to what to do. 
they have deceived me and not honored my request to give me a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX XXXX 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX
Product: Credit card or prepaid card

There have been 4 charges for {$99.00} from a company XXXX  on my account that I have disputed and sent verification to my card company that these charges were unauthorized and they have yet to finalize and remove charges permanently off my account
Product: Checking or savings account

We have been customers of Bank of America for over 20 years. Today XX/XX/XXXX my husband tried to use his debit card this morning to buy coffee and it was declined, the cashier stating that it says that his debit card may have been reported stolen. I called the Bank of America where we have 3 checking accounts and 3 saving accounts and 6 credit cards and they said that they are closing all of our checking and savings accounts today because bank of America is deciding to end its relationship with us. They didnt give me any specific reasons for this, and after I called a few more times to see if I can get more answers I found that they were only closing the checking and savings accounts and not any of our credit cards. I went into a branch to talk to someone and withdraw a little bit of cash a few hours later and they called the bank and they gave them the same reason of why my account was being closed. I was unable to withdraw any funds from any of my accounts which left us with no money. They stated our direct deposits from our jobs that we had coming in there for the last 10-15 years and all the bill pays would be rejected.

Both my daughters accounts that I am a signer on were also affected and closing. My XXXX XXXX XXXX daughter was a victim of fraud from a job she attempted to apply to almost exactly a month prior, I called to ask if this was the reason and that we were the victims of it and the department was still unable to give me any information about it stating they would close our accounts and mail us any balance due. We are now left just waiting with no access to cash and auto payments being rejected. I am due to give birth in 2-3 weeks and bank of American cant give me an explanation of why my funds are not accessible and why they are deciding to not do business. I asked if I did something wrong to just tell me and maybe I could give more explanation. The money in there is from our payroll jobs that we have been getting deposited there for the last 10-15 years.
Product: Credit reporting or other personal consumer reports

I am writing to complain about Equifax for a violation of my privacy and consumer rights under the FCRA Fair Credit Reporting Act. 
These Inquires do not belong to me and have been furnished fraudulently and must be removed immediately according to 15USC1681 section 602 A, states I have the right to privacy. 15USC1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions ; my legal rights have been violated, if this not deleted, I will be forced to peruse legal action. Let this be exhibit A. 

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

I have filed a dispute for XXXX XXXX XXXX to either update or remove all inaccurate information. Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?