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

This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 

I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 

However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. Below, I have listed the inquiries in question, which require immediate and thorough investigation in accordance with the provisions of the FCRA : XXXX XXXX XXXX XXXX XXXX, XXXX Provide evidence that this is mine. If not, delete it. 
XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall having my authorization for this credit pull. Please remove this. 
XXXX XXXX XXXX XX/XX/year> -This has no permission, please take this off! 
XXXX XXXX XX/XX/XXXX XXXX XXXX I did not sign any paper authorizing this inquiry. Delete it. 

I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. For the companies I was able to reach, none have any record of my existence within their systems. If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 

Your organization has already been granted ample time to investigate and resolve these discrepancies. Despite this, I am extending one final opportunity for you to fulfill your obligations under the FCRA. If I do not receive a comprehensive report detailing the results of your investigation within 15 days of receipt of this letter, I will have no alternative but to initiate legal proceedings against your company to enforce my rights. 
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

This complaint is against Experian credit reporting agency. On XX/XX/2020, they downgraded my XXXX score by 22 points ( from XXXX to XXXX ). Theretofore, my score had consistently hovered around XXXX for YEARS. The only change to my credit portfolio was a recently acquired XXXX credit card for the purposes of 0 % financing of a whole-house generator. Note : my scores for the other two agencies, XXXX  and XXXX, were not affected ( XXXX and XXXX, respectively ). 
I'm very suspicious of Experian 's actions given that they promote their EXPERIAN XXXX service which purports to " ... raise your XXXX  Score* instantly ''. 
I can not fathom why such a draconian reduction in XXXX score would be warranted by the procurement of a credit card given that I have stellar credit otherwise.
Product: Checking or savings account

In XXXX, a US treasury note matured and was paid into my checking account. To earn some interest, I opened an online savings account with Citibank and on XX/XX/XXXX transferred {$100000.00} to that account. Several days later I received a debit card in the mail. Not wanting to have a debit card attached to an account with a substantial amount of money in it, I destroyed the card. 

Several days after that, I received a letter dated XX/XX/XXXX saying that Citi would not open the account because of a previous banking experience. ( I have no recollection of ever having had a bank account at Citi. ) I called the help line, spoke to a woman with a XXXX American accent, and asked her to return the money to the account from which it had been withdrawn. XXXX XXXX XXXX XXXX online. ) She said they couldn't do that but would have to mail a check to the address on record, and that I would receive it in three to five business days. ( With some difficulty, we established my identity after she had texted me a code. ) I waited a week, then another week, each day expecting that the envelope would arrive. When it didn't, I called the help number again and this time spoke to a man with an XXXX accent, very hard to understand. We went through the story again and he asked me a variety of identity questions ( which address associated with, what corporation associated with, the age of an individual connected to me ), all of which I answered correctly. But he said he couldn't find the account. I asked for his supervisor, which was done, and again we went through the process with the same result : nothing could be done. 

I then called the NH consumer fraud division of the state attorney general, which advised me to file a complaint through the New Hampshire banking commission ( which I have done ) and through you. I have also written directly to Ms XXXX XXXX, Citi 's CEO.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried to transfer money from my XXXX account to my Wells Fargo account. For some reason the XXXX account did not link up with my bank account, Wells Fargo. So, I called the XXXX Customer Service line, which I found online. 

A man with a foreign accent, which I thought was a call center ( which made sense to me ), asked me for some information on my account. Then, he said he could help me transfer the money. I did as he asked. He said I needed to access my Wells Fargo account so that he could link up the XXXX account. He directed me to enter Server Codes into a XXXX transaction. He gave me the name and the code. At first, I was suspicious, but he said that I was not transferring money, I was merely helping him connect the two accounts, Wells Fargo with XXXX. 

The first attempt he informed me did not work. So we repeated the process several times. He spoke very fast and instructed me step by step to follow his instructions. But I suddenly became very suspicious. So, I asked him to wait a moment. 

Thats when I looked at the balance of my Wells Fargo account, just to check ( I was feeling something might be wrong ), and sure enough he had manipulated me to transfer him money NOT server codes. At that moment when I told him of my balance he hung up. I tried to call him back but the line would not pick up. I tried over and over again but nothing. I was panicking! I has just been manipulated to transfer {$2900.00} out of my account! 

I immediately called Wells Fargo to inform them what happened and they said they would look into it. They did say it did appear it was a case of fraud because I did not knowingly transfer money through XXXX but, rather, server codes. Wells Fargo assured me they would look into it and that they would very likely refund me my money. 

I also called the police department in my town. They sent an officer to my house and I filed a complaint. I have a copy of it, if you need it. 

Today I got a letter in the mail informing me that Wells Fargo will not refund me the money! 

Please, please help me. I am a XXXX and I am XXXX XXXX XXXX. This money that was stolen from me accounts for more than half my savings!!!
Product: Mortgage

We had a home mortgage through TCF Bank ( now Huntington ). We were approved to close on a refinancing in XXXX, also through TCF/Huntington, but due to bank delays and failures to respond to us, did not close until XXXX after I submitted an initial complaint to the CPFB ( XXXX ). It now appears that the bank did not properly pay off our original mortgage at closing of the refi. We are now getting past due notices on our original mortgage as well as billing statements for the new mortgage. We are extremely concerned about possible impacts of this on our credit reports. We have not been able to get help from anyone in customer service or our loan officer after repeated calls and emails. We have serious concerns about the bank 's ability to operate as they have mishandled hundreds of thousands of dollars, appear to have no record of transactions and fail to respond to customers. We need help getting this resolved.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be update to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Credit Report Dispute Failure to Correct Inaccurate Information Dear XXXX Dispute Department , I am writing to dispute inaccuracies on my credit report that persist despite my previous dispute attempts. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, which highlights similar issues I have personally encounterednamely, the continued reporting of incorrect information and inadequate handling of consumer disputes. 

The following accounts contain inaccurate information that must be corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ THEY SAY I OWE {$130.00} FROM ORIGINALCREDITOR THE GENERAL COMPANY, THAT HANDED THE DEBT OVER TO THEM, BECAUSE THEY WAS DONE WITH IT... 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ THEY SAY I OWE A DEBT {$62.00} FROM ORIGINAL CREDITOR XXXX XXXX WHO THEY SAID PASSED THE DEBT DOWN TO THEM..

As you are aware, under the Fair Credit Reporting Act ( FCRA ), XXXX is required to conduct a thorough and reasonable investigation into consumer disputes and remove or correct any unverifiable, inaccurate, or incomplete information. The CFPBs legal action further emphasizes a pattern of failures in XXXX dispute resolution process, which I have also experienced firsthand. 

I am requesting the following actions : XXXX. A proper and thorough investigation into the disputed items. 


XXXX. Written confirmation of the findings from your investigation. 


XXXX. Immediate removal or correction of any inaccurate or unverifiable information. 


If XXXX fails to properly investigate and resolve these disputes, I will escalate my complaint to the CFPB, the Federal Trade Commission ( FTC ), and explore legal action to enforce my rights under the FCRA. 

Please confirm receipt of this dispute and provide an update within 30 days, as required by law.
Product: Debt collection

Shellpoint Mortgage Company has been harassing Me for two months. My loan was Discharged two years ago during a Bankruptcy, I sent five cease and desist letters, dating back to XX/XX/21. The ongoing harassment has been abusive as they are sending Me correspondence in the Mail almost every day. I reported it to the XXXX  which is pending. Their reviews online show they harass people often. I would be grateful if You can assist Me in any way possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX This is error on my credit report. I was never late on this account. Please provide " Method of Validation '' for late payments. Otherwise, please correct. 

Method should provide the steps that were taking to validate I was late with proof.
Product: Debt collection

Portfolio Recovery PursuIt to 18 USC 8, I owe NO debt.This company is violating my consumer right to privacy pursuant to 15USC 1681 b2. This company also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).

And for falsifying documents Ive never had a XXXX XXXX credit card at the address on this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED MY CONSUMER REPORT AND IT IS FULL OF INACCURACIES AND LISYED BELOW ARE THE INACCURACIES DELETE IMMEDIATELY. 

XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) LAST REORTED IS ( INACCURATE ALSO ) ( XX/XX/XXXX ). ( EXPERIAN ). 


XXXX XXXX BALANCE XXXX $ XXXX OPEN ( INACCURATE XXXX AND EXPERIAN HAS STAUS CLOSED.ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) IS A ( INACCURATE DATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) DATE WITH XXXX.LAST REPORTED DATE ( XX/XX/XXXX IS INACCURATE DATE ALSO, ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have two account with PayPal. A PayPal credit and a PayPal cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a XXXX balance on both. PayPal/Synchony bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to PayPal and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX** 3. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** XXXX. Validate Account XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation

of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter regarding an account associated with XXXX XXXX XXXX XXXX, a company with which I have no recognition or connection. Despite my diligent efforts to seek validation and clarification on this matter, I have yet to receive a response from XXXX XXXX XXXX XXXX, and the situation continues to be a source of distress and confusion. 

The account in question, identified by the reference number XXXX, was brought to my attention when reviewing my credit report. To the best of my knowledge and belief, I have never engaged in any financial transactions with XXXX XXXX XXXXXXXX, nor do I acknowledge any debt owed to them. The absence of any recognizable connection to this company raises serious concerns about the accuracy and legitimacy of the reported account.
Product: Debt collection

Recently, a collection agency named Avante XXXX started reporting two medical collections on my credit report. Both accounts are for {$790.00} each. Prior to these accounts appearing on my credit report, I received no notice from Avante XXXX whatsoever. And I have health insurance, so this just doesn't make sense. Back in XXXX, I wrote a letter to Avante XXXX, and asked for some more information about the accounts so I could cross-reference these bills with my health-care provider. I requested to know who the medical facility was, the date of service that created the bills, and what dates the services were performed. Despite my request for this information well over a month ago, Avante XXXX has not provided to me. However, they continue to report the unverified collection accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$210.00} Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a collections from XXXX XXXX in my credit report I did not open. I tried calling XXXX XXXX and they couldn't help me because I do not have an account number. I tried to contact the collections agency and the number is not a working number. I tried to dispute through XXXX  which is where I saw it but they still have it as a valid charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Payday loan

I went on the website of RISE loans and tried to see possibly about getting a small loan, well when I saw the interests rates and what my payments could be, I canceled out of the application, I did NOT submit the application and the company still pulled a hard copy of my Credit Report from XXXX agencies. I tried calling them time after time and no one would help. They kept telling me that I did complete the application and " sorry we can not take it off of your'e credit report ''. I am so angry right now. I am trying so hard to " build my credit back up '' and everytime you have a hard pull it counts against my credit score. I am getting nowhere with this company so I was told by the credit bureaus to contact you and you could possibly get a response or get it taken card of for me. Please help me. This is a joke and unfortunately I can not dispute a hard credit pull with the credit agencies. Thanks so much in advance if you can assist me.!