23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, via the ATM deosit I deposited a check into my business account at Wells Fargo on a check drawn on XXXX XXXX XXXX XXXX written on the account of my customer. The check was for {$1700.00} and when deposited Wells Fargo did not make any funds available to me. On Wednesday I was told by my customer the check was paid but Wells Fargo refuseS to deposit the funds into my account. Wells Fargo claimed that the bank on which the check was written, XXXX XXXX, informed them that there were irregularities on the XXXX XXXX Account the check was written on. I confronted the representatives and had the call escalated to their Customer Advocacy Group who did nothing. 

Our customer was able to confirm with XXXX XXXX the the check was paid by XXXX XXXX and Wells Fargo refused to deposit the funds into my account claiming that they were no making the funds available to me until XX/XX/XXXX. I called the executive offices and the call kept dropping until final they refused to make my funds available to me using false claims in an attempt to hold onto my funds longer making it clear that they are floating and using customers funds instead of making the funds available to the customers. My account is still showing a negative despite the fact the funds on the check I deposited was paid.
Product: Credit reporting

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to any all XXXX XXXX XXXX disputes. It puts the emphasis on TransUnion to bar this bank from reporting anything or anything tied to them originally from being reported. This is clear legal language that does not allow such time-barred payments to be reported and the XX/XX/XXXX closing is enough to not drag the investigation on indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX of {$600.00} ( XXXX XXXX ). This amount is automatically deducted from paychecks every pay period. FLORIDA XXXX XXXX XXXX reports this account to XXXX. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment XXXX from FLORIDA XXXX for this account, Copy of CHAT Transcript with Florida XXXX substantiating my claims and more. XXXX FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN XXXX DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past XXXX months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the XXXX  if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX XXXX, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With XXXX disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my XXXX XXXX and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to FLORIDA XXXX, COPIES OF XXXX 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT XXXX to FLORIDA XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX. ALL of this information has been provided to the XXXX previously as well. All of this information is VERIFIABLE.
Product: Credit reporting

XXXX financed through XXXX was traded through XXXX XX/XX/XXXX. Pay-off payment was sent late. Kept calling XXXX multiple times as to why. Almost two months later in XXXX, it was discovered the check was sent to a bank I was unaware of. However, every time XXXX called, I let them know the car was traded in ; they noted my account. I was held accountable for being late ; reported on my credit as being late. Account was closed and paid off. Disputed through Experian, nothing came of it except for " consumer disagrees '' statement. Contacted XXXX multiple times, stated XXXX needed to call to be responsible for delinquency. Nothing has been done after various forms of communication. XXXX was not helpful. XXXX has not been productive in correcting their mistake.
Product: Vehicle loan or lease

On XX/XX/2020 a car loan was realesed in my name and my information was also wrongfully used. I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


VIN : XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts due to my identity being compromised years ago and it's still haunting to me when I see my credit report. My credit report is filled with unauthorized and unknown accounts. The following accounts I'm demanding to be removed from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX   XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX {$130.00}, {$370.00}, ( 5 ) XXXX XXXX XXXX {$1000.00}, ( 6 ) XXXX XXXX XXXX {$51.00}, {$240.00}, {$120.00}, please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives me a reason to immediately repair the account from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ BANK XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my XXXX XXXX and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX BANK XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

XXXX funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by XXXX and they have not proven that I was served for the lawsuit they brought against me concerning XXXX. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and XXXX funding still reports on my credit bureaus. XXXX account was with XXXX and another with Citibank both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. XXXX funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim
Product: Credit reporting

I 've disputed several things with TransUnion and have not gotten a response of results. 
I disputed ; XXXX - have not provided sufficient proof of debt/was not validated XXXX- I sent several letters to company as well to TransUnion . Received return mail. Account was not validated for as amount charged which includes statement showing proof of purchase, company did not provide dunning letter prior to sending to collection agency - account was in dispute and nothing was done about it with the original company. 
Tax Lien which states released. Contact my local State Office which advised that it should have not been reported because it was paid. It do not show on any other Credit Bureaus. Advised that it need to be removed due to reporting in-accurate and hurting credit worthiness XXXX the amount is inaccurate, was not at that resident, disputed it and it came back resolved less than a week without proof. 
Sent removal of hard inquiry for XXXX to be removed, also notified the company, they advised they sent request of removal, was not removed, sent letter to TransUnion and it was not removed. I provided my info, however I advise the company I did not want to due business with them and they ran my credit anyways. 

Removal of inquiry XXXX under FCRA did not give permissible authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2020 for them to correct inaccurate information on my credit report. I have yet to receive a response from them about the status of updating my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings : I recently, as of XX/XX/XXXX, attempted to apply for a credit card to XXXX XXXX Store via XXXX XXXX  and received a negative reply. I previously had problems with XXXXXXXX XXXX via XXXX XXXX just after the election in XX/XX/XXXX when it was alleged that I was committing fraudulent charges via that credit account I submit that an inaccurate statement had been alleged at that time and continues to impact me in an negative way even via my credit information through Experian which has incorrect credit information listed about me detailing little to no credit history at all which does not match up with the other two credit bureaus.
Product: Credit reporting or other personal consumer reports

I've disputed the late payments listed for XXXX XXXX XXXX below with both creditor and bureaus and haven't received any validation, no updates on how the information was validated, a fulfilled request of a written statement to furnish any of my private information via any instrument or means of communication. 

I am writing to request the removal of XXXX late payments that have been reported on my credit report for the account referenced above for XXXX ( XXXX XXXX XXXX XXXX ). After carefully reviewing the applicable federal laws, I believe these late payments should be reconsidered for removal in accordance with the following provisions : 15 USC 1666b This section outlines specific protections for consumers regarding the timing of payments and the crediting of payments to their accounts. 
15 USC 1637 ( b ) This statute governs the disclosures creditors must provide, which includes accurate and timely information about account status and balances.

15 USC 1681s-2 This statute requires creditors to report accurate information to credit reporting agencies and to correct any information that is found to be inaccurate or outdated.

15 USC 1681i This section provides consumers the right to dispute information on their credit reports and mandates prompt investigation of disputes by credit reporting agencies. 
Given these provisions, I respectfully request the immediate removal of the XXXX late payments from my credit report. I have always strived to maintain a good relationship with your company, and I hope we can work together to correct these issues. I believe this adjustment will accurately reflect the status of my account and ensure that my credit report is free from any inaccuracies. 

I would appreciate your prompt attention to this matter and would like to thank you in advance for your cooperation. Please feel free to contact me if you need any additional information to process this request.
Product: Payday loan, title loan, personal loan, or advance loan

A person came to my house to sell home security system with XXXX. I told the person I would get a quote on pricing and think about it. Before I knew it, she had the figures on a piece of paper, stating the equipment is paid to Citizens Bank and they get the remainder of the money for monitoring. I had to step away and she continued to talk with my husband, and took his information, ran a credit check and opened a line of credit with Citizens Bank. I did not want any of this. 
I called Citizens Bank to cancel this line of credit and they told me they could not cancel it until after XXXX  days had past. That is crazy. I did not want it and now they wont let me cancel it.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a text from an unknown number about a debt. And offered a settlement amount. 

I asked for validation and the agent was rude and tried to intimidate me when I asked for verification. 

I was advised it appears that you are just XXXX stuff, let us know when your ready to pay.. 

I was advised this is what happens when you don't pay your bills. 

They were very rude and stated " Like before you will get verification AGAIN " in 72 hours. 
At this point I asked for a cease and desist until they provide the documentation to her email. 

The person responded " Pay your bills, and your request to cease and desist isn't valid. Send it in writing. 

I responded watch your tone in the manner of witch you speak, and I explained that my request to cease speaking until validation has been provided by text is just as valid as the settlement amount they offered. It's a written request. I let them know they were in violation of my FCRA. Contacting me after I asked her to cease and she said nice try .... 
And I let her know to speak in an intimidating manner that's the second. 

Also I asked that they provide a hard copy of the contract. Copy of the pay off disclosure. Interest rate disclosure. Balance history, payment, history and credit insurance. I also asked for the statue of limitation in my state which is 3 years. I asked for removal of this debt and I would like to report them for their practices, and practice of trying to intimidate me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter in the mail today which is XX/XX/2019 saying I had requested a XXXX XXXX  XXXX dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as Experian, Fico and XXXX . If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX  XXXX  where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call Experian and XXXX. I came on here so I can talk to all parties Involved and get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was traded in XXXX and a payoff amount was sent to XXXX in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Ive Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. I was told that a letter of deletion would be sent to this company and be resolved immediately 60 days but its still showing on my credit profile. For accounts Company Name : PORTFOLIO RECOV ASSOC Account number : 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
Product: Credit reporting or other personal consumer reports

After numerous attempts through the years I've requested that XXXX, XXXX and TransUnion remove these fraudulent names and addresses from my credit report and they refuse to remove, I've been a victim of fraudulent activity on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. If this information is accurate and true, and all information is being provided by the same data furnisher, then it should be consistent across all bureaus. These discrepancies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and delete the inaccurate accounts. 
The factual report of inaccuracy is as follows : If one credit bureau shows a significant gap with no data ( ND ) while another ( yours ) reports data during the same period, the accounts should be consistent across all bureaus if they are reported by the same data furnisher.
Product: Checking or savings account

Called to have account closed on XX/XX/XXXX due to a combination of personal hardships & fraud due to my details personaly information being compromised by several companies and my wallet being stolen from my car while at the hospital visiting my wife and kid who were both admitted.

The bank instructed me to take out my money at an ATM. I left approx {$30.00} in the account. I was told the account was going to be in a mode that would only allow money in and not out. I was told my account would be closed.

It's been 3 weeks and the account is not closed and is now causing a cascade of issues related to no sufficient funds. The bank admitted on a phone call on XX/XX/XXXX that the account wasn't properly closed. I asked for a remedy and they failed to provide one. The account is still not closed and I am very upset. They are rejecting transactions due to XXXX  and not due to account closure. I am now seeking immediate closure and financial compensation for their failure to properly close an account.
Product: Credit reporting or other personal consumer reports

No response even though they said the report is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX