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

Experian XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I applied for WellsFargo Propel credit card on XX/XX/XXXX. I got an incomplete decision on the credit card. On the same day I called WellsFargo Credits Service Customer Care they mentioned I will receive a letter in the mail. A few days latter, I receive a letter asking me to call Customer Care and verify my identity. So, I call Customer Care again on XX/XX/XXXX, they verify my SSN and tell me that I should get a decision in 24 hours. I call again the next day XX/XX/XXXX, the rep tells me they need an additional form filled which I will receive in the Mail. I fill the form and send it around XX/XX/XXXX ( Unsure on the exact date ). I get no response from WellsFargo for the next month. I call Customer Care again on XX/XX/XXXX to ask about the application, the rep tells me that they had not review my application and will review in 24 hours. I call again on XX/XX/XXXX, they tell me that the application date has elapsed and they can not do anything, I ask them to remove the hard credit check since it was their mistake they did not review my application. Their response is that they would remove the check if I applied for the Card again but can not do anything otherwise. I ask them to still check, they said we will in 24 hours - I got no call. So on XX/XX/XXXX I called customer service again, they reiterated that if I reapply my older credit check would be removed. So I reapplied on XX/XX/XXXX, called customer service again after applying - they tell me my decision will be in 24 hours. I ask them to remove the previous check - they tell me it will be removed. I call again on XX/XX/XXXX - they tell me my credit card reapplication has been rejected - I ask for my credit check to be removed which they still haven't done. I ask the rep to transfer me to the complaints department - the rep says there is a system error which is not allowing it. The rep said they will call me in 1-2 days, I do not expect they will call. 
I have called WellsFargo a total of 8 times for this issue. None of my concerns have been resolved. Each call lasted at least 15 mins before I could even start discussing the issue.
Product: Credit reporting

I submitted a written request on XX/XX/2017 to Transunion via USPS mail. In the request I asked the bureaus for formal validation of adverse accounts appearing in my report. I also specifically for physical proof of how the debt was validated and I did not receive this. The only thing I received is a copy of the credit report showing that the remarks was updated to " Paid in Full/Was a Charge Off ''. According the FCRA consumers have the right of formal validation and if not it should be removed from my credit reports. I am requesting that the accounts XXXX XXXX and XXXX be deleted as my rights under the FCRA were violated. Furthermore these account were sold and transferred which means NO CONTRACT. Please removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by MIDLAND CREDIT MANAGEMENT INC. While checking my credit report, it came to my notice that MIDLAND CREDIT MANAGEMENT INC has furnished an account ACCOUNT # XXXX on my Consumer Reports. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by COMPANY NAME will amount to Communication.

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account ACCOUNT # XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or COMPANY NAME, except a communication, confirming your acknowledgment of this letter, is in violation of my Federally Protected Consumer Rights. 

If you do not cease communication I will escalate the matter to a Federal Complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX Bank Credit XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian
Product: Credit card

On XX/XX/2024 I spoke with XXXX from Chase Disputes, who informed me that my dispute is currently open and under review. She explained that this means the merchant involved has a fixed period of 35 days to respond to the dispute. This process ensures that both parties have an opportunity to present their case before a resolution is reached. 
XXXX assured me that I will receive a phone call if there are any questions or if additional information is required from my side. She advised that I should return any calls from Chase as quickly as possible to facilitate a smooth and efficient resolution process. 


I did not recieve any such phone call from Chase and on XX/XX/2024, I recieved a letter which said that my dispute had been denied. 

I am not happy with the customer service that I have received from Chase regarding my dispute and I am not sure why XXXX provided me with erroneous information that I would receive a phone call from Chase. 

Also I believe that XXXX provided me with erroneous information that my dispute was under merchant review, because I had called back on XX/XX/XXXX and I was told a different story.
Product: Bank account or service

I found a lost XXXX Chase Visa debit card on XXXX XXXX in XXXX, California ( XXXX XXXX of XXXX XXXX ) while riding my bicycle on the afternoon of Saturday, XXXX XXXX, 2016. The card was on the side of the road. The card looked relatively new and clean. The card is now in my possession. 

On the morning of Sunday, XXXX XXXX, 2016, at about XXXX PST, I phoned the telephone number on the back of the debit card to report that I had found it. I phoned XXXX. I spoke to a woman named XXXX in the call center. XXXX told me that the card would be " closed. '' I asked XXXX to please notify the card owner, whose name " XXXX XXXX XXXX '' of account number " XXXX XXXX XXXX XXXX '' with expiration date of " XXXX '' was printed on the card. XXXX said that she was not required to take such action. I explained that it 's possible that the debit card owner does not know the card account number and therefore might not know how to reclaim any funds on the card. I also told XXXX that it 's possible that more than XXXX card might exist for this account, so closing the account might cause inconvenience. I again asked that XXXX Chase Visa debit card operations inform the account owner of the lost card. XXXX replied that all I needed to do was to cut up and discard the pieces of the debit card. I repeated my request that debit card company contact the card owner. She said that XXXX other action that I could take is to take the lost debit card into a local Chase bank branch and ask that bank branch to try to track down the card owner " XXXX XXXX XXXX. '' I then asked XXXX to tell me the procedures in place for reporting lost debit cards and informing the account owner. XXXX said that the procedure was just as she had reported to me. Then I said that I needed to report this to the Consumer Financial Protection Bureau so that the XXXX Chase Visa debit card " lost card '' procedures and policies could be re-examined.
Product: Debt collection

In the attempt to collect a debt I was told by XXXX that I a totally different amount than what is reported to the credit bureau in the amount of {$980.00} when the total amount reported is {$830.00}
Product: Credit card

In XXXX XXXX XXXX XXXXXX/XX/XXXX, I requested an additional XXXX XXXX card for my husband 's use. In early XXXX, my son contacted me about a package that he was expecting and I informed him that I had not received it yet. After tracking the package online, I discovered that it had been stolen from my mailbox. I reached out to the individual whom this item was shipped from to let them know what had occurred. They agreed to replace it as long as I would make an additional purchase. I have this conversation saved. What I did not realize at the time was not only had the package been stolen but the XXXX card that I had requested was also stolen. On XX/XX/XXXX, I received a text message from XXXX XXXX  Citi Fraud asking me if I was attempting a purchase of {$320.00} at a store location in XXXXXXXX XXXX. I replied " No '' and then logged into my XXXX account immediately after the text. That was when I discovered that there had been multiple purchases on my husband 's stolen XXXX card. The first charge of {$250.00} occurred on XX/XX/XXXX followed by two additional charges of {$110.00} and {$270.00} both on XX/XX/XXXX. All of these charges occurred in the XXXX area and I do not live anywhere close to XXXX. It appears that even after I had replied to the text that the {$320.00} was fraudulent, XXXX XXXX Citi still expects me to pay for the charge. I contacted their fraud department right away and the representative that I spoke with was very difficult for me to understand. I did understand that she kept trying to tell me that my account was opened fraudulently. I repeatedly told her that was not the case and the charges on my card were due to a stolen card. After telling her numerous times that the account activity was from a stolen card, she submitted the case as a fraudulently opened account. I did not realize this at the time. I only found out about that once I received their decision on my case in a letter. It stated that due to my remitted payments from a valid account and receiving benefits from the disputed charges I am responsible for the fraudulent charges! I will gladly pay for what I am responsible for but I will not pay for fraudulent charges totaling {$970.00}. Once I read the letter, I called them once again. As soon as the rep was on the line and I could not understand her due to her thick XXXX  I requested a supervisor that I could understand. I spoke with XXXX on XX/XX/XXXX and he seemed to understand exactly what the issue was and proclaimed that he would help me. It is now XX/XX/XXXX. I have not heard back from anyone and the interest charges keep growing on the unpaid balance on my XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a check from XXXX XXXX payable to XXXX XXXX XXXX XXXX for my health insurance. I do not have any accounts with XXXX XXXX. My college has no knowledge as to why this check in the amount of {$170.00} was issued to it and sent to my address.
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 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX, has violated my rights. 

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

I had a vehicle leased thru GM Financial and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being XXXX XXXX. I settled the account with XXXX and account was paid in full. XXXX is either not reporting to GM Financial that this account is settled or GM Financial is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed the inaccurate reporting of the " XXXX XXXXXXXX XXXX '' account with XXXX and Equifax multiple times, yet it remains unresolved. This account is falsely reported as a mortgage, which it is not. It pertains to a timeshare product and has been misclassified as a secured real estate debt, which is factually incorrect. Despite providing sufficient evidence and filing multiple disputes, the credit bureau has not adequately investigated or corrected this error. XXXX XXXX XXXX has also failed to provide proper verification or documentation, violating the Fair Credit Reporting Act ( FCRA ). The continued presence of this erroneous account severely damages my credit profile, and XXXX 's and Equifax 's lack of resolution reflects non-compliance with FCRA standards for accurate and substantiated reporting. This account is a clear Violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a prior complaint with Experian and as part of trying to resolve that CFPB complaint, Experian sent me a copy of my credit report because they would not take the info I sent them through the mail, even though I sent them all required items ( because they are trying to put me through XXXX to correct report ). I then followed the instructions in the report they sent me and wrote in area of disputed items why I was disputing and then used the online option to send back disputed claim.. However, in another attempt by Experian to put me through XXXX and not take my dispute, the website kept throwing out my submission. Therefore I can not submit online. CFPB quit XXXX around with these people and charge them with not adhering to fair reporting laws!!!!! I hear alot of people are going through the same thing I am, ENOUGH IS ENOUGH!! Also there has been a freeze request that was not adhered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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

I do not recognize this hard inquiry that appears on my credit report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Final Request for Securitization Proof, Verification of Debt Ownership, and Cease and Desist Order for Credit Bureau Reporting Account XXXX Dear LVNV FUNDING LLC, This letter serves as my third and final request for proper documentation regarding the debt referenced above. As a consumer, I have rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which I am exercising by demanding securitization proof and verification of ownership for this debt. 

Despite previous requests, I have not received the required documentation. If this final request is not fulfilled, I will pursue all available legal remedies. Additionally, I am issuing a formal cease and desist order requiring that you immediately halt all reporting on this debt to the following credit bureaus : XXXX, XXXX, and XXXX. 

To resolve this matter, I demand the following : Proof of Ownership : Under FDCPA 809 ( b ), please provide verifiable documentation of the current ownership of this debt, including proof of your agency 's authority to collect on behalf of the debt owner. 

Chain of Title : I require a complete chain of title that shows all assignments, sales, and transfers from the original creditor to any subsequent parties, including your agency. This documentation should include transaction dates and the names of all involved entities. 

Securitization Documentation : If this debt was pooled or securitized, provide documents identifying the specific security or trust to which it was assigned. This should include details on transaction dates and all involved parties.

Itemized Breakdown of Debt : Under FCRA 609, I request a complete itemized breakdown of this debt, detailing the principal, interest, fees, and other charges to ensure accuracy in the amount being pursued. 

In accordance with FDCPA regulations, all collection activities must be suspended until you provide full verification of this debt. Furthermore, as noted, you are hereby instructed to cease and desist all reporting related to this debt to XXXX, XXXX, and XXXX until you fully comply with my request. Should you continue reporting or collection efforts without providing proper verification, I will seek legal action for statutory damages of up to {$1000.00} per violation, in addition to actual damages, court costs, and attorney fees as allowed by law. 

If you fail to comply with this final request, I demand that all collection activity cease permanently and that any credit reporting reflect the debt as unverified. 

Please respond with the requested documentation within the legally required timeframe of 30 days. This is your final opportunity to resolve this matter without escalation to legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX