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

Dear Experian This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the Data thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

Sincerely, XXXX XXXX Account : XXXX XXXX Inaccurate
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under the FCRA, I would like to remind you of the following protections that apply to my dispute : 1. **

Section 611 ( 15 U.S.C. 1681i ) ** : This section requires credit reporting agencies, like transunion, to conduct a reasonable investigation of any disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. I expect that Transunion will fulfill this obligation in a timely manner.

2. **Section 605B ( 15 U.S.C. 1681c-2 ) ** : If I, as a victim of identity theft, provide proof ( which I am prepared to furnish ), you are required to block any fraudulent or inaccurate information resulting from the identity theft within four business days of receiving notice.
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 Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I XXXX XXXX, The Consumer, entered into a consumer credit transaction XX/XX/2021 with WELLS FARGO AUTO at XXXX XXXX dealership and purchased a vehicle for {$52000.00}. This transaction includes a finance charge. Under 15 USC 1605 ( a ) a finance charge is defined as the sum of all charges. The finance charge does not include cash, but WELLS FARGO AUTO in fact took cash. WELLS FARGO AUTO is now in violation of 15 USC 1611 and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ). WELLS FARGO AUTO willfully and knowingly failed to clearly and conspicuously disclose my right to recission which is information required under the provisions 15 USC 1611 and 15 USC 1635 ( a ). They are now civilly and criminally liable and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ).

WELLS FARGO AUTO is a third-party debt collector and was not present when I signed the contract at XXXX XXXX XXXX Therefore, are not a competent witness and can not provide a contract for a contract they weren't apart of. Provided by WELLS FARGO AUTO, attached is a copy of the agreement that was signed and not the original. pursuant to rule 1002 an Original writing is required in order to prove its content if WELLS FARGO AUTO can not provide an Original writing, they have no claim.
Product: Credit reporting or other personal consumer reports

account number : XXXX account balance : XXXX XXXX this debt has not been validated. This debt was deleted from my XXXX account and it was deleted from XXXX. XXXX and Experian have yet to delete the already deleted account information attempting to dissuade me from pursuing these matters in a legal setting for fraud. XXXX  XXXX when asked for the validated debt was unable to provide the name of the original creditor and the person who validated the debt. until this is addressed and validated I want to be clear and state that XXXX XXXX has never received in writing from me any correspondence stating that they can contact me other then to send me a check for violating the law or to advise that they will never reach out to me again. this is pursuant to 15 USC 1692c ( c ).
Product: Money transfer, virtual currency, or money service

I deposited a payroll check into my account on XX/XX/XXXX with Wells Fargo that paid out. I keep those checks in a filer and someone redeposited the check XX/XX/XXXX into another account without me finding out until later. I called the company the check was sent to and deactivated the account set up in my name and the funds were not paid out. I started a dispute with Wells Fargo to get my funds back into my account and have been getting nothing but push back, talking to 3-5 people every other day with no resolve. Its been 2 weeks and I have not gotten any closer to a resolution than when I started, Im at my wits and need a resolution.
Product: Checking or savings account

On the week of XX/XX/XXXX I was unable to access my bank statements because my log in I formation was changed after my phone was stolen. Quickly I called Chime to gain access to my account. Once I got in I got proof that unauthorized transaction were on my account. I checked to see if my debit card and credit builder card are in my possession and they were not. I called chime reported identity theft and unauthorized card use and the customer service rep ended the call in the middle of the process. I got an email saying the dispute was filed. Then they came back with the resolve and the report details were in error and my dispute was marked as " no error ''. I've called multiple times asking which documents I should email showing my identity theft and the customer services reps keep putting errors in the report.
Product: Credit card

I, XXXX XXXX, am formally writing this complaint in accordance with the Fair Credit Reporting Act because of damage done to my consumer report. GROW CREDIT INC., the creditor whom the dispute involved, received multiple written notices from me regarding the inaccurate information that was furnished in my consumer report and is still reported inaccurately. The inaccurate information is currently being reported from both XXXX XXXXXXXX and XXXX. The inaccuracies contain missing payments in the payment history section, inaccurate late payments reflecting that I, XXXX XXXX was 120 days late 2 months in a row, and inaccurate payment dates. The inaccuracies are reported in both my consumer disclosure reports directly from the consumer reporting agencies and a credit report showing the same thing which was pulled from a 3rd party company called XXXX XXXX. I, XXXX XXXX would like to bring to the CFPB 's attention that XXXX XXXX XXXX informed me in response to the first written notice of dispute that was delivered to them on XX/XX/XXXX, XXXX XXXX. that they did investigate and had made the proper corrections. I, XXXX XXXX, was sent documents from GROW CREDIT INC. via email that showed what appeared to be a credit report and statements from GROW CREDIT INC 's system. Despite receiving this information from GROW CREDIT INC there were still no updates made to my consumer reports as requested in the first written notice of dispute. The previous problem that GROW CREDIT INC. claimed they resolved turned out to be a lie. The statements that were sent to me did not align with the credit report they gave me. I, XXXX XXXX, called XXXX and double checked for updates on XX/XX/XXXX, at XXXX XXXX. and was told by a representative of XXXX that there were no updates that were made by GROW CREDIT INC . The representative I spoke with told me that GROW CREDIT INC. has not updated anything with them since XXXX of XXXX. On XX/XX/XXXX, an additional written notice of dispute was delivered to GROW CREDIT INC. at XXXX XXXX. in this letter was a pre-arbitration proposal to negotiate for GROW CREDIT INC 's failure to update the XXXX and for violation of the FCRA in which I, XXXX XXXX have reason to believe that GROW CREDIT INC. violated 15 U.S. Code 1681s-2 actual knowledge of errors and per 15 U.S. Code 1681n Civil liability for willful noncompliance. There was also a demand to remove the inaccurate accounts for failure to properly update or correct the inaccuracy per FCRA in which creditors are given a sum of 30 days to do so per Furnisher Rule 660.4 ( e ) in the written notice of dispute. I, XXXX XXXX did not receive a response from GROW CREDIT INC., but I did receive an email notification from GROW CREDIT declaring recently that the account has now been charged off. I have reason to believe that the behavior from GROW CREDIT INC. violates the Fair Credit Reporting Act 15 USC 1681 regarding accuracy and fairness of credit reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX XXXX XXXX XXXX  Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector WORLD FINANCE CORPORATION Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXXXXXX. XXXX The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint against SST System and Services Technologies Inc. regarding their aggressive and harassing debt collection practices related to my account, which was allegedly transferred from XXXX to SST in XX/XX/XXXX. 

Since that time, I have received excessive communication from SST, including numerous text messages, phone calls, and emails. These communications have been both persistent and threatening, demanding payment and warning of potential negative reporting to my credit. Despite my requests for documentation regarding this alleged debt, no information has been provided. 

After the holiday season, I took it upon myself to investigate the legitimacy of this debt and discovered that it does not appear on any of my credit reports. I contacted SST multiple times to clarify the situation, during which I was repeatedly asked to provide my Social Security number or the last four digits of it. I complied by providing my address and other relevant information ; however, I refused to disclose my Social Security number due to privacy concerns. 

Despite having my account information on file, SST has refused to process any payments without demanding i provide my social security number. I attempted to make a payment on XX/XX/XXXX and was refused by employee XXXX XXXX and told it would be reported to my credit negatively. On XX/XX/XXXX i called again to make a payment and after speaking to multiple representatives and a supervisor they finally processed a payment from the account on file. I have recorded conversations that demonstrate their refusal to accept payment while simultaneously demanding personal information, which I believe constitutes illegal debt collection practices. 

In light of these circumstances, I am formally requesting all documentation related to this account, including details about the original creditor, the amount owed, and any communication records. I believe that SSTs conduct has not only been unethical but also in violation of the Fair Debt Collection Practices Act. 

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

I made my mortgage payment to Mr. Cooper on XX/XX/2021 for my XX/XX/XXXX payment. They did not apply that money to may account, and now they say I am a month behind. I can't refinance my home and my credit score dropped 61 points because of it. The payment schedule from their web site shows the money is in Unapplied Funds, but I can't get anyone there to see that, and to correct the issue.
Product: Credit card

I signed up for a Citi AAdvantage card but never got one in the mail. I was given the number after I applied briefly and I bought something to activate the point offer. I paid my bill over the phone and got a confirmation email. After, I asked them to close my account. They said they did but I never received any confirmation. I called again and when I asked for confirmation they hung up on me. Please help, I feel like there is nothing I can do
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE UPDATED IMMEDIATELY IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. AFTER THIS INVESTIGATION, UPDATE THESE ACCOUNTS ON MY CONSUMER REPORT TO PAID AS AGREED, PAID ON TIME, NEVER LATE ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - XXXX XXXX ; Permissible purposes of consumer reports, XXXX XXXX  ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.

I urgently request that Experian conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that Experian will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX , and the Federal Trade Commission . This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.

Your immediate attention to this matter is required. Failure to comply with the demands outlined in this letter will compel me to pursue all available legal remedies to protect my interests and ensure compliance with the FCRA.

REMAINING UNAUTHORIZED NEGATIVE ADDRESSES:XXXX XXXXXXXX XXXX XXXX XXXX VA , XXXX XXXX XXXX XXXX XXXX XXXX VA , XXXX XXXX. 

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

This is not a duplicate complaint, it is another complaint since the first complaint was not handled fairly. 

As stated in the previous complaint I went to car dealerships applying for a car loan using my XXXX number. I did not provide my social security number because I did not want reporting on my personal credit. Despite that all the inquires listed below in addition to the FTC fraud report attached are inquired that are inaccurate on my credit report. Per the FCRA the information on my report must be accurate. If you disagree I would like you to provide me with any information you use to validate this debt on my credit report. 

The following Inquiries I did not authorize : Equifax : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX XXXX, XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Please note this is NOT A DUPLICATE complaint Marcus is refusing to let me withdraw my money. It has been 2 days and they keep lying and making excuses. I still don't know what is the status of my 2 wire transfer requests. They have verified every single bank from which the funds came in and still refuse to do the wire transfer or provide any status. 
On top of that they keep lying repeatedly on recorded lines that it will go out today or it will go out tomorrow morning. And the next day they repeat the same lies all over again. These lying degenerates think they are doing the clients a favor by allowing them to withdraw their own hard earned money. I have plenty of recorded calls to prove their lies. I was told yesterday that all verifications and done and they are " expediting '' the wire and it will go out yesterday. Of course, that was a lie. Then yesterday evening, I was told that it will go out at XXXX in the morning. Again a lie. Then this morning I was told that all verification is done and that it will go out today. It is already XXXX now and still nothing. Called and got a really evasive supervisor XXXX who said it is being reviewed. She was just reading form a script and kept repeating like a parrot " 1 to 3 business days ''. When I asked her, tell me the exact day and time, those 3 business days will be over, again no answer.
Product: Debt collection

ON XX/XX/2023, THE NAVY SEIZED {$6900.00} FROM MY NAVY FED  CHECKING ENDING IN XXXX. NAVY FED HAD NO LAWFUL AUTHORIZATION TO SEIZE THESE FUNDS. I WAS IN THE PROCESS OF COMING UP WITH A PAYMENT WITH NAVY FED BUT THEY TOOK UNLAWFUL ACTION WITHOUT MY CONSENT AND OR NOTIFIING ME OF THIS ADVERSE. ON XX/XX/, AN ADDITIONAL SEIZURE FROM MY NAVY FED ACCOUNT XXXX IN THE AMOUNT OF {$2600.00}. 

I MADE AN ELECTRONIC PAYMENT TO XXXX XXXX XXXX XXXX FROM MY NAVY FED ACCOUNT XXXX TO COVER MY DELINQUENT MORTGAGE. DUE TO THIS UNLAWFUL SEIZURE, I AM AT RISK OF LOSING MY HOME WHILE I AM CURRENTLY ON XXXX DUE TO A XXXX XXXX XXXX.