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

On the first of XXXX I sent letters to all three bureaus TransUnion, XXXX, and XXXX. It has been well over 45 days. On the XXXX of XXXX I received a letter from TransUnion ignoring my request for original documentation. According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. Instead I was denied my request of my right to the original documentation with no resolve. The other two bureaus have not responded at all. Because of their lack of professionalism. I'm losing out on many personal and business opportunities because of inaccurate reporting on my report. I'm asking you to please help me resolve these issues. So i can move on with my life.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to see inaccurate accounts listed for reasons I do not understand. I check my credit report regularly, and these discrepancies appeared unexpectedly. Thinking it might be a temporary issue, I refreshed my browser, but nothing changed. Because of this, I am requesting that my submitted documents be carefully reviewed to ensure I never have to deal with this problem again.
Product: Debt collection

On XX/XX/2022 I have reviewed my credit report and noticed some inaccurate and erroneous information. GM FINANCIAL is currently reporting a repossession along with late payments on my consumer report. According to 15 USC 1666b there is a billing error violation which there is no such thing as a late payment, 15 USC 1681s-2 and 15 USC 1681 have been violated. GM FINANCIAL are reporting Deceptive information on my credit report knowingly and willfully ( 15 usc 1681n ). This Information that this is reporting is damaging my consumer report and holding me back from financially providing for my new born daughter and family. Im trying to buy a house but got denied because of this negative, erroneous, and deceptive information reporting. 

ACCOUNT # XXXX
Product: Debt collection

Over the past few months ive been trying to settle a situation with this company. They are rude and talk agressive over the phone and when i ask to speak with a manager or supervisor they hangup in my face and keep sending me to XXXX XXXX. on XX/XX/year> i spoke with with XXXX to settle this debt and i gave him permission to speak with someone and he refused then he started getting hostile because someone was assisting me and proceeded to hangup.
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. XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX has violated my rights. I viewed my XXXX credit report on XX/XX/2024 and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.
Product: Credit card or prepaid card

The reason for my complaint against Bank of America is because I have a corporate card with my business XXXX XXXX XXXX Tax ID XXXX. This card was used fraudulently for multiple purchases. I reported the fraud as soon as i was made aware and spoke to a representative i believe it was sometime in XXXX. I explained to the representative the the phone number on file XXXX was no longer a valid number for me so i did not receive any type of communication in reference to the usage to this account. I also requested for the phone number XXXX to be updated as this is the most current number for me. I was given a case id XXXX for the fraud case. They told me i am not responsible for any unauthorized charges and that i do not need to make any payments on the account. I was never contacted by an investigator and on multiple occasions called in to check up on the case. They advised that they have everything that they need to finalize the claim. On XXXX XXXX Bank of america wrote the attached letter and i did not receive until XXXX XXXX after they went in to two of my Bank of america checking accounts and withdrew approximately 27K. They say the inconsistent details was provided but i have not spoken to anyone in reference to this case since I filed the claim back in XXXX. Bank of america is acting unfair and biased as to when it comes to this claim, and have caused great financial stress and harm by removing XXXX out of the checking accounts. I have already requested an appointment with a lawyer in reference to this cause these charges are not valid and were not done by me or anyone that i know.
Product: Bank account or service

Closed my account with Scottrade Bank today because it 's been over a month and I never received a debit card. I called them a week ago, and they said I was supposed to request one. Request a debit card??? Why would n't that be automatic? Then they said it could take 3-5 days to get it ... wrong again ... Somebody is definitely asleep at the wheel. The brokerage could n't even contact their own banking representatives. What a joke
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : 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 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 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  60 days late once, 90 days late seven times.

Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax highlighting the inaccuracies.

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. My account was frozen for XXXX reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Product: Bank account or service

The transactions for my account are being juggles around/change in order for overdraft fees can be applied to my account. I have attempted and made several request for the bank to process my transactions as they appear on my account. The bank is telling me that even though a transaction is pending it can be charged applicable overdraft fees ; however, the fees can not be charged if the transaction is pending.????? This as result is several unknown and unexpected fees. In fact, it appears as if the funds are being set aside for such charges to occur. I have been asked to hold all attachment until results of this complaint are received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXXXXXX XXXX XXXX account opened : XX/XX/XXXX, under account number : XXXX, XXXX $ XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I've contacted through XXXX XXXX Services on XX/XX/year> with purpose to have a fraudulent account removed. I've requested Debt Validation, XXXX XXXX XXXX, Original Contract, and to have fraudulent information removed from my consumer report if BullCity Financial SOL wasn't able to grant said documents. 

Failure to produce said documents above are violations of, 15 US Code 1681, and should immediately be removed. I ( consumer ) am attaching also a identity theft report to further address the violation of improper furnishing of reports to a consumer credit profile. 

Further violations will result in arbitrary actions.
Product: Money transfer, virtual currency, or money service

I want all money refunded back to me. 
I sent Cash app and they said they never did receive the money and I reached out to cash app and never got the issue resolved
Product: Mortgage

My loan was transferred on XX/XX/, but before i was notified I made one last payment to my previous mortgage servicer, my mortgage was never applied to the new loan company, I was getting billed for the month I just payed. I contacted both companys, have spent over two months trying to get this payment applied, the previous company cardinal financial was extremely helpful, provided me with proof that my payment was transferred with the loan. Showed my in my online account the payment went into a suspense account and told me to send this info to the new company which I did. XXXX XXXXXXXX XXXX XXXX  has refused to show me or cardinal financial proof they do not have my payment. They have said the proof we sent over of it being in a suspense account is not enough all while refusing to show us they did not receive my payment. They are requesting bank statements and making me jump through hoops instead of helping resolve this issue.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Sure, here 's a template for a dispute letter to a credit bureau regarding a name and address discrepancy : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Dispute of Name and Address Discrepancy Dear Sir/Madam, I am writing to formally dispute incorrect information on my credit report. The report lists inaccurate details concerning my name and address, which I request be corrected immediately. 

XXXX. **Incorrect Name and/or Address : ** - Name : XXXX XXXX XXXX, XXXX 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 Address : [ Incorrect Address ] 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 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 **Correct Name and Address : ** - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX These inaccuracies have caused me significant inconvenience and could potentially affect my credit standing. To support my request, I have enclosed copies of the following documents to verify my correct details : Please investigate this matter and update your records accordingly. I request written confirmation once these corrections have been made. If you require any additional information, Thank you for your prompt attention to this matter.
Product: Credit reporting

XXXX # XXXX and XXXX # XXXX are not mine due to identity theft. I have reported this information too credit reporting companies and STILL not off my record with them or court. I filed information with XXXX and again court and credit reporting companies have NOT removed this information on my report.
Product: Credit card or prepaid card

American Express sent us a notice that their revised Penalty APR is now 29.99 % and " If the penalty APR is applied, it will apply for at least 6 months. '' 1 ) You should be leading the effort to cap interest rates credit card companies can charge.

2 ) We're still in a pandemic with millions of people suffering financial hardship.

Please work to fix this. Do not ask me to contact American Express. There is nothing for me to talk to them about. Just fix the problem.
Product: Mortgage

This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several fraudulent accounts. I did not open these accounts, and they do not belong to me. These unauthorized accounts are negatively impacting my credit rating and my ability to obtain credit. 

XXXX XXXX XXXX Date fraud began : XXXXXX/XX/XXXX Date that I discovered it : XXXXXX/XX/XXXX Total fraudulent amount : {$270.00} XXXX  XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXXXXXX  Total fraudulent amount : {$330.00} XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$190.00} PerPay Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$1300.00} XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XXXXXX/XX/XXXX Total fraudulent amount : {$460.00}