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

Subject : Request for Removal of Charge-Off XXXX  XXXX XXXX  Account Number : XXXX .... 

Account charged off. {$98.00} written off. {$98.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX XXXX  charge-off. Remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Still is reporting 12 open accounts, all 12 are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of 72 payments reflecting.

I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.
Product: Debt collection

XXXX XXXX ( or XXXX  ) with GC Services has call me numerous times, seems like every day. I spoke to XXXX and she indicated she was collecting money of XXXX XXXX. I told her I would pay the outstanding bill by the end of the year, yet she continues to call every day this week. I told her that calling me everyday will not help but she still calls.
Product: Checking or savings account

I noticed that Wells Fargo has a class action and I was a XXXX  client whom They over charge in XXXX fees by posting items to make me go onto overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 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 : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX : 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 : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

XX/XX/2021 a deposit was made of {$1200.00} dollars, but an estimation of {$1300.00} was entered into the ATM because the ATM had jammed and had requested for the one depositing to enter the amount of the cash deposit ( at the time I was not certain of the exact amount until afterwards ). An over estimation of the deposit was made in order to not have my deposit shortened to less than what was deposited. The other option was to select " unknown amount '', which I felt uncomfortable selecting. Ends up that the money was not counted either way in the end by a Wells Fargo employee. I was not given the option for anything once the ATM had jammed, but only told me to call the number on the screen in order to resolve the issue. I was not instructed to come into the bank the following day to resolve the issue. No receipt was given and the ATM only detected {$50.00}. I called Wells Fargo Customer Support the next day and I filed a claim in order to receive my money back that was jammed in the ATM. I was given some time after a provisional credit of {$1200.00}. After months of waiting and dealing with customer support they had denied my claim and stated that the ATM only detected {$50.00}. Afterwards, I went into that same bank and talked about my issue and ended up filing an escalated complaint with the bank. I waited a few weeks and never got contacted once I had received the acknowledgement email. The {$1200.00} of provisional credit was taken back from my account. I went back into the bank and opened a case with a specialist and did not get contacted until and had to go back into the bank and talk to the a Wells Fargo employee over the phone. They stated all that the ATM had detected was {$50.00}. The manager stated himself that when an ATM jams the total amount deposited is not counted and goes into a dispenser bin within the ATM. They refuse to check their video recordings outside and within the bank to verify my claims. The ATM only detected {$50.00}, but proof of a deposit was created within the ATM itself by virtue of a receipt within the machine that the bank itself had given me a copy of once I asked for a copy. That local bank itself where the money was deposited at their ATM and the Wells Fargo claims/specialist departments refuse to check their cameras outside and within the bank in order to validate my claim of a deposit of {$1200.00}. The only amount of money that I got that went into my account was the initial detection of a {$50.00} bill. No receipt of the transaction was given from the ATM itself because the ATM had jammed. The only reasonable explanations are that an employee or employees that work in or for the bank have pocketed the money or an error was made by the individual that collected/counted the money in the ATM dispenser bin.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate.my question is-how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card

I have had this acct for years. I have it as backup card for medical and vet visits. I just discovered they closed this acct without notifying me and causing adverse affect on my credit score because it was one of my longest opened accts. Care credit is just for that. I was recently forced to use my sons acct because of their actions. I should not have to rerun my credit and this should not have been closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with XXXX, TransUnion and XXXX asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle handling of disputes.particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately.They informed me that recovering funds is Impossible & that tracking these transactions was infeasible.The CFBPs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to XXXX had XXXX XXXX XXXX XXXX XXXX bank accounts but was told they didnt want my buisness anymore & closed my accounts because of my complaints & because I was taking lumpsomes of my money out the bank to open other accounts with other banks.I also had tht same problem with cash app but cant never get a respond or whn I do get a message they cant help me because funds are gone.So as far as that goes I will like this to be handle & not ignored thank XXXX sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Equifax to reinvestigate these hard inquiries on XX/XX/2023 : XXXX XXXX XX/XX/2023 and XXXX XXXX XX/XX/2023. However, they stated everything was complete and accurate. But Equifax has not removed these unauthorized inquiries : According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

Attention XXXX credit, I would like to bring to your attention an account that I have noticed on my credit report from XXXX. However, I do not have any account with this company and I am concerned about the accuracy of my credit profile. I kindly suggest checking the social security number associated with this account on different credit profiles, as I have found that sometimes they can be mistakenly merged with accounts from family members. This is not my personal account and I would appreciate it if you could remove this account immediately. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received a text with a unexpected charge I reached out to the merchant they said it was an error and I would receive a refund. Once that never happened I reached out to Chime I also filed a complaint with the Police Department.Chime continues refusing to return my funds after they received my information. The refuse my claim without explanation or any information. I continue to call the the reopen the claim as a rebuttal but still not given me my money back or a provisional credit until the investigation is complete. This company has broken all the regulations and guidelines and I would like to take action.
Product: Credit card

Capital One ( Quick Silver ) credit card continues to charge me an interest charge on cash advances. In the last several years they have charged me between $ XXXX {$700.00} in interest for these bogus cash advances charges. The company is not helpful in resolving these matters. When I talk directly to them, I am sent to a number where the person on the other end can not speak fluent english which creates a communication barrier. They seemed to use stall tactics, putting me on hold for up to XXXX minutes. There has been no resolution in years on this matter. The response is always the same, " you must have made a cash advance transaction. My last response from Capital One was not productive in getting them to stop these bogus cash advance charges. They seemed to acknowlege that the stores where I make purchases from are coding them in a certain way therefore creating these charges. When I have asked local merchants about this they have no idea what I 'm talking about. I believe this explanation is baseless and is an outright lie. For now the charges continue although they have now decreased in the amount from $ XXXX {$6.00} down to XXXX on these transactions. This is not ethical and I consider it to be theft on their part.
Product: Student loan

On Friday, XX/XX/XXXX I called Navient and reported my financial situation in that I didnt have the money to pay since recently moving to a new state. The representative transferred me to a supposed account manager ( although the agent never identified himself as such ) and the representive/manager said there was nothing I could do accept pay the loan or risk default. He said I was ineligible for any relief or reduction in payment or interest rate. 
I requested that my auto debit withdrawal be canceled through processing the request online on Thursday, XX/XX/XXXX and was told that it was successfully canceled. However on Monday, XX/XX/XXXX Navient withdrew {$330.00} from my checking account resulting in almost {$300.00} over draft and a {$22.00} penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

HUNTER WARFIELD is currently reporting on all three major consumer reporting bureaus that I owe their company {$4700.00}. Reporting started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Debt collection

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. They assumed this role without permission not only that you did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, unfair, and was partial. They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place. What I am requesting is that you guys delete all of these accounts off my report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurate. Please delete and take off all 3 credit reports
Product: Checking or savings account

After receiving government funding, chime suspended my account. About {$5000.00} was left and I am not able to use it. This happened 6 months ago. I have provided all documentation requested. They have now ignored all requests. The pandemic was tough on my family and I received these funds to assist with relief. Please help me get my money back. Thanks!
Product: Credit card or prepaid card

I called to combine 2 cards. I was told because one card was in my company name and the other in my personal name they couldn't be combined. I was also told because one card had a credit balance they couldn't be combined. I requested to receive the credit on one card via check which was sent and it now shows a {$0.00} balance. The other card was switched to be in my company name so now both cards match. I then attempted to combine the cards again and it still wouldn't online. I asked if someone could manually combine and I was told they couldn't. No company should be allowed to offer a product that they can't enforce. I'm being told after making at least 4 calls requesting for someone to assist that they are not able to help with the problem. The combining can only be done online and they have no idea why it isn't allowing me to combine my cards. I believe that is unacceptable and the company should not be allowed to false advertise a product they either can't or simply won't follow through with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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