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

I am writing to dispute a recent late payment that has been reported by XXXX on my credit report. Despite having an excellent payment history with XXXX, I was surprised to discover that a payment of {$520.00}, which was little over a month late, was reported to the credit bureaus without any prior notification. 

My name is XXXX XXXX, and my date of birth is XX/XX/1984. The last XXXX digits of my XXXX account are XXXX. 

I have been a loyal customer of XXXX for 10 years, and it has always been my priority to make timely payments. I have never received any notifications via mail or phone call regarding any late payments, nor have I received any indication of any potential issues with my account. 

I understand the importance of maintaining a good credit history, and I take my financial obligations seriously. It is highly unusual for me to miss a payment, especially XXXX of such a nominal amount, and I assure you that this occurrence was an anomaly. 

I kindly request that you investigate this matter and rectify the information reported to reflect the accurate status of my account. I believe that the reporting of this late payment has unfairly harmed my credit score, and I am confident that a review of my account history will confirm my consistent payment record. 

I appreciate your attention to this matter and request that you provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents as the personal information you are reporting are not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX * XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX CA, XXXX * ( XXXX ) XXXX - XXXX [ XXXX XXXX XXXX XXXX XXXX CA, XXXX ] [ XX/XX/XXXX ] [ TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ] Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account # XXXX Current dispute File number : XXXX Estimated completion date : XX/XX/XXXX XXXX, XXXX # XXXX 15 USC 1681 SECTION 602 A. States I have the right to privacy.

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Recently Equifax has reported accounts to to my consumer report that doesn't belong to me and violates my privacy rights. I've mailed them a dispute letter asking them to investigate the accounts listed in the dispute letter. The accounts reporting doesn't belong to me nor have my consent to report. I have no knowledge of the creditors asking me to pay a debt. How can I owe a debt to someone if there was never any mutual agreement prior? I asked them to verify this debt any send me any documents with my authorization. I never gave Equifax permission to even furnish a consumer profile of me nor did they have authorization to report these unverified accounts. I understand that there are consumer laws that protect me as a consumer and it is Equifax duty to do what's fair and equitable for me. I also understand that in order for them to report any account it must be verifiable and accurate in which these accounts isn't. Any account on my consumer report that isn't mines or inaccurate must be removed from my consumer report. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection, I ask that these creditors cease all communication with me in which bay definition of " communication '' reporting these accounts is a form of communication and if you fail to do so then thats a violation on your behalf. Any violations reporting to my consumer report after your response you will be held liable for damages.

Violations committed : Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Money transfer, virtual currency, or money service

XXXX has suspend my account as of XX/XX/XXXX. They have given me XXXX XXXX  to pay approximately {$45000.00} dollars to unfreeze my account. I am a new investor and have only made a few transactions. I have earned some money in the beginning but I also lost more than I gained in my later transactions. I also withdrew {$200.00} from the account before it was suspended. XXXX is accusing me of insiders trading or suspicious transactions. They showed me XXXX transactions where I had made money that they thought were suspicious. If I dont pay the ransom for my account then it will be turned over to their legal department and I could lose all of my money, go to prison, or be fined millions of dollars. I am a XXXX XXXX XXXX XXXX XXXX and I really dont know what I am doing. They have hikacked all of my {$150000.00} that is my life savings. I am thinking that I will have to get a loan and pay them the money that they are demanding to free up my account. If I pay them there is no guarantee that they wont just keep my money and not unfreeze my account. Right now I just want to get all my money out. I have not been involved in insider trading. I am just following the current charts. HELP please. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report. I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit history. 
Fraudulent Accounts to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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, XXXX, XXXX, and XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
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 3 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 that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

American Express is charging me usurious interest rates. They are charging these rates during an unprecedented era of low rates and during a pandemic. They have refused to lower my rates despite multiple requests.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$410.00}
Product: Debt collection

Went to mall and was enticed by sales person to buy a ring that normally was priced at {$4400.00} but that it was listed at 75 % off due to XXXX of XXXX sale they were having. They had me apply for credit. They gave me 2 credit cards for an unknown reason. I only applied for one. This other credit card showed up after the period to return the ring. One was XXXX and the other I can not remember. The total price was supposed to be {$1500.00}. I had to have XXXX so I was out. My husband made the payments to the jeweler until I could get a chance to resolve the issue. When I was health again I went back to the store with the paperwork that I had received. They attempted to say that I had agreed to other charges but they could not provide me any papers that verified this. I did not sign any other papers. I had all papers I had signed and none of the numbers matched. I called the manager, I called the main office. I could not get any documentation of any other charges. I received an inheritance and told them I would pay them the {$1500.00} that the price was supposed to be. They refused and would only accept {$4400.00}. I have sent written requests to validate the debt but I can not get any response. 
They reported all of these accounts on my credit : XXXX XXXX XXXX/ XXXX XXXX   XXXX  All opened XX/XX/17. How would I have taken out a total of {$7700.00} in credit to buy a {$1500.00} ring?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, experian and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW   license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.
Product: Checking or savings account

I need help. I am an XXXX citizen living in XXXX but I am also a XXXX tax payer. 

I have not been able to get Wells Fargo Bank ( WF ) to close my account and get them to wire my money back to myself. I have been trying with no success for more than 2 years. 

1. WF refused to issue a cashier 's check with my total balance.

2. WF won't allow me to write a check to myself to drain my fund. They issued a wrong check book at the beginning, won't issue a correct replacement and failed to send the promised check book 2 years ago. 

3. I can not do online transfers. WF doesn't want to issue me with an RSE device and WF won't text verifications to my XXXX mobile number. I am not able to register online my own XXXX bank account details. 

4. WF refused to supply any recordings for past telephone calls or chats with their customer service.

5. WF removed my Secure Email access and Reply button XXXX. 

6. WF would not reply whether or not they have received by mail ( sent 3 weeks ago ), my notarized Request for Account Closure. I have also emailed WF the same notarized form to notify them.

7. WF would not respond to emails sent outside XXXX ( # 5 above ). So I can not communicate with them in writing. I found by chance WF has a XXXX account but here they wont reply to me after saying that I need to call them. I cant call them because of WF refusal to supply any recording ( # 4 above ) and the extremely lengthy delays I have experienced.

8. With NO acceptable way of communication with WF I am worried they are cutting me off and that I may not see my money again. It is a rather large sum of money close to USD {$190000.00}. This is my lifetime savings that I have worked very hard for. So you could appreciate that I have been greatly distressed over this matter. 

Would you be able to get WF to close my account and get my money back? If not could you suggest US law firms that specialise in banking cases like mine. 

Awaiting your reply, and thanking you for your service XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Product: Checking or savings account

BofA Merrill has refused to transfer family member XXXX XXXX XXXX 's account, even within the firm, to Merrill XXXX. The request was made after the client discovered that BofA Merrill had overcharged him and that there had been a breach of fiduciary duty. 

See most recent details below ( with account numbers redacted ) : -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/2022 at XXXX XXXX  Subject : Re : Accounts Approved To : XXXX, XXXX XXXX Hi, XXXX. 
It was nice to see you again today in XXXX. 

You mentioned that you could see XXXX XXXX 1. XXXX account - # XXXX 2. IRA - # XXXX, and you will ask XXXX to transfer it, correct? 
3. You can not see the third account number or AUM. 
You have to talk to XXXX, correct? and then you will send XXXX XXXX the details. 

Also, did I understand you correctly? 
XXXX XXXX at Merrill is in control of XXXX XXXX accounts now, and XXXX XXXX has explained to XXXX XXXX that he plans to transfer the accounts out. 
XXXX XXXX sent you an email to contact XXXX XXXX to complete the transfer, after the paperwork is done, correct? 

XXXX XXXX only received a note from you - an application asking for his social security number and other personal information. Its not clear that this is from Merrill edge. 

XXXX sees the number XXXX, as an application ID to be completed within 30 days. 

You stated that you can not move the trust without XXXX XXXX being physically in the office, no? 
XXXX XXXX is in Florida. 


Best regards, XXXX XXXX. There has been no response to this message, to date. XXXX XXXX has spoken with XXXX XXXX and with XXXX XXXX multiple times, about his desire to move his account.
Product: Credit card

I was alerted, through a credit monitoring service, that Chase Card had run a credit inquiry through XXXX and XXXX. I found that the inquiry was based on a fraudulent credit card application through Amazon.com. Whoever made the fraudulent application used my name, social security number, and home address. Chase refused to furnish a copy of the fraudulent application. Chase Card was negligent when they authorized a fraudulent credit card under my identify, without verifying the actual identity of the applicant.
Product: Debt collection

ProCollect informed me that I have a balance of {$5000.00}. Per the last XXXX bill I received, I do not owe that amount. ProCollect has tried to forcefully make me pay the incorrect amount. 

ProCollect employees are VERY rude! They will cut me off while I am speaking. They will call me XXXX times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Equifax breach my personal identifiable information in XXXX Data Breach 2 ) There were 6 fraudulent applications submitted on XXXX and informed Equifax but they haven't corrected the records. Even, XXXX XXXX XXXX XXXX XXXX XXXX XXXX didn't approved the credit card applications. Equifax haven't corrected the soft & hard inquires. 

3 ) Equifax share complete Social Security Number on the dispute & send it as a postal mail. It's not correct way to share SSN, Date of Birth through postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.