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

LEGAL LETTER OF DISPUTE Date : XX/XX/2022 To whom it may concern : This letter is regarding the degree of negligence regarding the unknown, unverified collections/charged off accounts listed on my credit report. Your agency has violated so many of the FCRA/FCDA laws, rules and regulations. I will list them below and I am requesting that you remove them immediately as we have discussed them on several occasions. I was told that you are required by law to properly investigate and validate that all the information is reporting correctly across all reporting agencies, and must be 100 % Accurate, 100 % Verifiable and 100 % complete. 

I urge you to take this matter seriously, I have filed my initial complaint with the CFPB and I am prepared to seek legal remedy for failure to remove these accounts from my credit profile in the next 15 days. 

In accordance with the FCRA/FDCPA the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Violation : Double Jeopardy/invalidated collection/charge off account XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Violation : Reinserted this account after verifying it as fraud. ( See your dispute report ) Rules of Laws 1. 15 USC 1681 sec 602 ( A ) States I have a right to privacy.

2. 15 USC 1681 sec 604 ( A ) sec 2 : Sates a consumer reporting agency can not furnish a account without my written instructions, 3. 15 USC 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 information to be inaccurate.
Product: Debt collection

Experian XXXX and XXXX failure to respond and are not complying with their own policies in a timely manner.
Product: Money transfer, virtual currency, or money service

I have fallen victim to a widely reported scam targeting Bank of America customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating Bank of America customer service, spoofed the BOA 1-800 Customer Service number XXXX and knew various account details with BOA. 

Upon reporting the scam to Bank of America I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by BOA. 

The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). 

Neither the police, Bank of America, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " ID ME '' app. No one from the California EDD office has returned my calls or e-mails.

Recently I was contacted by BOA notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXXXXXX and account XXXX XXXXXXXX has violated my right. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Experian is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite my persistent attempts, a resolution to these issues remains elusive. Your firm 's response to my letter directed to the credit bureaus indicates that my request for verification of inaccuracies on my report is being labeled as " frivolous '' or " irrelevant. '' I want to underscore that I do not consider a matter of such personal significance to be frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is overlooked, I am prepared to elevate the matter by filing a complaint with the Federal Trade Commission against your company. Consequently, a thorough reevaluation of the following information is essential. I respectfully request validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the prompt removal of these items from the report.
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 XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX XXXX XXXX is fraudulently reporting an installment account to my credit report and this is a violation of FDCPA. I have never requested a loan or credit, nor am I liable for any debt to XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, or any factoring company.
Product: Debt collection

This account Portfolio Recovery is trying to collect is from 2015 or later. The amount is incorrect as well as the dates on my credit report. I have disputed this collections multiple times with no resolution. All I ask is the the dates on the original debt be corrected. Portfolio Recovery continues to change the dates multiple times over the years and sending me notifications by mail.
Product: Debt collection

I have made multiple attempts to settle this debt with XXXX XXXX. The amount of the debt is incorrect and without any response this debt was acquired by the collection company named Credit Management Company in the incorrect amount of {$280.00} opened XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XX/XX/XXXX XX/XX/XXXX and today XX/XX/XXXX and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT 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. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

Transunion & XXXX XXXX Last verified, date of last activity, date opened, closed date are all reporting incorrectly. I also know that XXXX uses deceptive practices and I feel as if this is one of those cases. 

XXXX Is reporting a debt that I have no way of knowing what it is because they do not show a creditor. This must be deleted, how is this affecting my credit but I have no way of knowing who its from!!!!
Product: Money transfer, virtual currency, or money service

XXXX sold thier express pay business in 2019 to aci, aci has furnish everything but money tranfer numbers to finish claims at XXXX for {$XXXX}. see atttached pay us {$XXXX} to face litigation
Product: Mortgage

I have tried unsuccessfully to do a home mortgage modification with Green Tree Servicing. I have submitted all the documentation multiple times and confirmed that the documentation was successfully submitted only to have the company come back and say that they closed the loan application because of lack of documentation. In the last instance, they contacted me and I requested my representative to contact me as she already confirmed that she received everything. In XXXX weeks and XXXX messages later, I still have not gotten a callback and I found out that she closed the file again. This seems systematic or just general incompetence.
Product: Credit reporting

All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.
Product: Mortgage

Due to the Enforcement Action by CPFB the following needs to still be addressed. 

Prior to the unauthorized, fraudulent and tortious interference by your employee, XXXX XXXX, on or about XX/XX/year>, an email was sent by myself to XXXX XXXX XXXX 's CEO, XXXX XXXX XXXX, confirming an excess of XXXX XXXX XXXX  in XXXX XXXX available for financing all of the projects stated in the XXXX ' business plan. It remains a mystery to me why XXXX XXXX inserted himself into my transaction with XXXX by misrepresenting to XXXX that I was looking for a loan from XXXX for Commercial Real Estate Buildings ( thus creating distrust and tanking our deal ) or why there was zero communication with me prior to any contact or attempted action with XXXX. You should be aware that XXXX affiliates were partnered with my company in this transaction at issue. Wells Fargo needs to compensate me for my significant damages incurred or face major legal/SEC consequences for their employees tortious actions as follows : ( a ) Personal damages of XXXX XXXX : {$5.00} XXXX Referral Fee ( derived from Consulting Contract attached below ) ; ( b ) Corporate damages of XXXX XXXX XXXX : {$600.00} XXXX Profit Sharing/Rent/Lease to Own from XXXX. 
FYI there is an Error and Omissions department in Wells Fargo to handle my personal loss of income claim, please facilitate contact so I may further my claims with that department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the SBA and I  received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.
Product: Credit card

Ive been in Wells Fargo for three years now and Im using their credit card. Im a good customer, but when I asked them to file a fraud for me, they gave me a temporary credit and they ending up charging me back again. I clearly told them that I have been negotiate with that merchant, but they wouldnt let me Refund the amount its because the hotel policy cant do any refund for Reservation. I can only ask help for my bank in regards with refunding the money but when I called Wells Fargo, they assist me with false promises that they were XXXX XXXX be on my side and thats their purpose. Also their benefits for terms and conditions clients have XXXX liability with any fraud complaints. I didnt stay on that hotel. I tried to fix my reservation but they wouldnt fix it. The hotel itself the hotel reservation is XXXX. Thats why it doesnt have the same system in XXXX XXXX which is better here because we can modify our reservation in advance I am very disappointed with Wells Fargo XXXX because they put me to the bottom of my finances. Im just finishing to pay off my card so that Im not gon na use that ever but the thing is they charge me the XXXX which is im not going to pay that. Its just ridiculous promising your clients.
Product: Checking or savings account

I am disputing the following Unauthorized tracacitions : PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$110.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted I did not puracase anything from from PAYPAY XXXX nor have I recieved anything form PAYPAL XXXX, I contacted PAYPAL they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Verification of Accounts To whom this must concern : I am writing to formally dispute certain accounts listed on my credit report as of [ insert date of report ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I respectfully request that you verify the following accounts : 1. Calvary Portfolio- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1692c, I am entitled to dispute these debts and request validation of the abovementioned accounts. Moreover, under 15 U.S. Code 1692 ( e ) ( 3 ), it is unlawful for any debt collector to mislead or deceive consumers regarding the legal status of any debts.

Further, pursuant to 15 U.S. Code 1681i, you are required to conduct a reasonable investigation when I request verification of the accuracy of information in my credit report. If these accounts can not be verified as accurate within the required time frame, I expect them to be deleted from my credit report. 

Please respond in writing with verification of the above-listed accounts within 30 days of receiving this letter. If verification can not be provided, I kindly request the removal of these accounts that are still reporting with a balance from my credit report to comply with federal regulations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and experian have dropped my fios score by 8 points I have never had a late payment, balances have been reduced was 138 now 130, no new inquires, tried to reach all 3 with disputes, all will not answer, hing changed in my credit report, please help
Product: Money transfer, virtual currency, or money service

A XXXX transfer was debited from my account, after XXXX hours the recipient did not receive the money. I phoned BofA, and they said that there was a XXXX outage. What is XXXX doing with my money? There have been many problems with XXXX. Chalk this up to another one. Is there a class action suit filed against them? 

Thank you
Product: Credit reporting or other personal consumer reports

Experian is reporting U S DEPT OF EDXXXX Account number XXXX with 23 months of late payments and last payment made in XXXX of XXXX this is incorrect and needs to be removed immediatly. please see attached screen shot of transunion showing the same account with exceptional and current payment history. please remove this incorrect information right away. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that my social security number was compromised on the dark web. I've contacted Transunion, XXXX, and XXXX to investigate 20+ inquiries over the past 2 years XX/XX/XXXX-XX/XX/XXXX that were unauthorized by me. They refuse to offer any assistance in these matters. It is easy for hackers to get innocent citizens information EX. social security numbers but made difficult for us to get information on our reports verified and corrected. When innocent citizens information is compromised the 3 credit bureaus should take these matters very serious, its could be life altering for us. I feel like representatives do not take these matters seriously. They offer no assistance after hours of holding just to be told their is nothing they can do. If they do not want to protect our information and offer help when it is compromised why do they have access to it? I feel like my Personal Information is not protected and at anytime can be accessed which leaves me at the mercy of the 3 credit bureaus who offers no help.
Product: Vehicle loan or lease

On XX/XX/2019 I received documentation stating that I would be in a settlement class action lawsuit against Wells Fargo Auto because Wells Fargo placed CPI insurance on loan when I already had XXXX XXXX. However, I called to get info in regards to settlement amt and cpi amt. After sending 18 emails and 32 phone calls no one called but 2 times to send check to correct address after that I received chk disputing amt of CPI check because I had coverage with Progessive Insurance dating back XXXX in which I paid because I only paid my insurance 1 time annually. So I'm disputing the cpi amt because I suppose to rcvd chk for XXXX for the 10 mths I had coverage but didnt need it. I sent in proof of XXXX XXXX coverage and punt amt about 12 times to CPI Settlement Info however, on letter I rcvd they stated that I never send it in so I'm requesting Wells Fargo CPI to refund my funds for those mths that I didnt need coverage as well as compensation for my vehicle getting repo as a result of this, credit worthiness, job loss, and transportation costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX