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

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : XXXX. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

XXXX. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter. 

XXXX. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at [ phone number or email address ]. 



Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report as outlined below. I am a victim of a data breach and have identified these accounts and inquiries as unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information removed. 
Fraudulent Accounts : XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$550.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I made a payment over 3 months ago using Capital One and that payment was immediately denied. Last week that payment which happened 3 months ago was taken out of my checking account without my permission. When I called Capital One they said it was a system failure that day and the payment I originally made went through. I was told that this happened to many customers on that particular day. When this was denied I made other means of payment. When Capital One took my money out of my checking they gave me no notice and caused my debit card to be declined several times.I disputed this charge but to this day they keep giving me the run around and will not send me the forms to fill out. I called three times without any help. I took screen shots of the message i received from Capital One when the payment was denied. They have since removed that document and have covered up any wrong doing. I would love to post that screen shot here if possible. I also received a text message from Capital One that said payment was not accepted. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I reached out to this company last year stating I never received a package from a company. I follow up with XXXX who confirmed that the tracking number the company provided was for a different address and it could been the right one. I also provided pictures of me emailing the company with no response. More pictures of other people putting the company on blast for sending out fake tracking numbers and not providing product. The company has never resolved this issue. And on my account its showing missing payments for a product I been emailing the company about I never received. This has been on going for two years and it hasnt been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no results.
Product: Credit card

Was not notified of any issues with my account or that it would be closing.
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, XXXX, AND TRANSUNION 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, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 2020
Product: Mortgage

I am on a Trial Modification Program, which started with an XXXX letter stating that if I made my XXXX payments in a timely fashion I would receive a modification interest rate of 3.97000 % for XXXX years. 
The payments were made on time. However, the most recent loan modification letter from Ocwen states that there is a " beginning '' interest rate of 4.5000 %. That is inconsistent with what was XXXX promised and the verbiage " beginning '' leads me to believe that this is an adjustable rate. 
We requested they honor the original terms they proposed and they recently came back and said that was a misprint. 
We ask how is it that a financial institution finds it acceptable to send out a binding document, XXXX that we both have been following for the past XXXX months, and when it comes time to confirm the final agreement, renege on the originals terms proposed by saying it was A MISPRINT? 
We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.
Product: Student loan

Was a student at XXXX XXXX in 2008 still have a private loan for XXXX went to school for two weeks it was never removed. School has been dissolved however my loan has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received two letters of denial from Wells Fargo. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from Wells Fargo stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXXWells Fargo consumer ID XXXX, Dispute case ID XXXX and XXXX. Wells and XXXX  is blatantly punishing a victim of identity theft. Wells and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. Wells and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. Wells has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. Wells and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. Wells Fargo bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. Wells and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if Wells Fargo and XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.
Product: Debt collection

i recently reviewed a copy of my consumer report and noticed XXXX XXXX XXXX has committed identity theft and gained access to my credit profile without my permission. XXXX XXXX XXXX is attempting to collect a debt that was a result of identity theft, This XXXX was attached to a crXX/XX/XXXX that i did not open.XX/XX/XXXX sent me a letter on XX/XX/2024 saying that account would be removed. I have attached that document for immediately deletion.
Product: Mortgage

We are trying to get a satisfaction/release from a mortage institute from the time they were switching names. My court house shows that I still owe the company that the now mortage comany use to be under. It is still the same loan and the company says its one of the same of the 3 different names it was listed under. I tell them the court house needs a statisfactory from the old name showing that they are paid and We only owe to the company under the new name. They keep giving me the run around stating they ca n't do it and are getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Transunion signed me up for a subscription service. The only actions I ever took with them was to freeze and unfreeze my report. I called customer service because their site started having login problems regardless of how many times you reset your password. It coincided with when this fraudulent charging began. I think they're doing it intentionally to prevent customers from being able to notice and cancel these subscriptions. 

XX/XX/19 - charged for " 3 credit bureau reporting '' {$21.00} XX/XX/19 - pending recurring subscription {$21.00} I have a screenshot taken today showing this service is not active on my account XXXX even prior to cancellation XXXX. 

The login problems still occur and I can show that as well if needed. Their site is full of problems and it wasn't like this before.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I had defaulted on a car loan. The car ultimately was repossessed in XXXXXXXX XXXX XXXXXXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX and XXXX to make the account stay on my credit longer than it should.
Product: Bank account or service

I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash. 

They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.
Product: Credit card or prepaid card

I received an e-mail from my credit card carrier ( Capital One ) on XX/XX/XXXX, stating that they were reducing my credit limit from {$7300.00} to {$1500.00} ( a 79 % decrease ). The letter stated that it was due to low activity on the card. When I called Capital One to rectify the problem I was told by a supervisor ( XXXX ) that they save available credit for new customers. I have had this particular account for 19 years with no late or missed payments, I have excellent credit and have had no charges in my income. My wife and I have also financed and paid off cars through this company with no delinquency. They really could give me no answer when I requested the limit be restored but to say they have the right to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S. Code Subchapter III.

My Data was breeched by Equifax. Items need to be removed. Credit Bureaus didnt not access my information with my Consent and WRITTEN PERMISSION. These items are Unlawfully and illegally reported. Delete!
Product: Vehicle loan or lease

hello how are you doing i have spoken XXXX XXXX from XXXX of XXXX he told me he had nothing to do with decision that was made and i tried calling the other dealers but no answer so now its on you to veto that decision you had made if you don't veto this decision i will take the next step to file a federal complaint to resolved this decision you have ten days 10 to veto this decision and also request the reporting agencies to delete all the hard inquiries on my credit file and i will be holding you personally liable for the unauthorized use of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery has been absolutely harassing me. Calls after XXXX. Over 15 calls a day. I have records of all of this. I have told them repeatedly this is not my accounts ( 2 ). I have reported fraud over a year ago! They recently started harassing me. If this doesnt stop and get removed from my report Im filing a law suit. This was over 7 years ago and my ex stole my cards and reports were filed! He was also ordered in court to pay for these as I am no longer liable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences that would equate to the reporting of income. Remove these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I dispute all parts of the alleged debt by collection agency ; Midland Credit Management. 
( I have attached a written response to this matter ) I asked that it is reviewed in its entirety and only information I have requested by your agency is provided. 

Thank you.
Product: Money transfer, virtual currency, or money service

Ive been a user of cashapp for the last 2-3 years for the purposes of sending receiving and transferring money from places and people. I was randomly banned on day while out trying to buy food. I was attempting to transfer money to my cashapp account, when I was suddenly met with a suspicious activity notice, followed by a message stating my account was closed and no longer usable to send or receive payments or transfer funds. I was given no warning and despite using support chat to inquire as to why my account was closed and if I could do any thing to fix it. I attempted to verify my identity through ID, passport, license, even SSN, to no avail. The support member I spoke to told me that despite my inconvenience, she couldnt explain why I was banned as it was a business decision and final. I had XXXX explanation, justification, or reasoning behind my financial account being closed. Whats worse is the fact I had funds on the account I could no longer spend or use, which was my own money to begin with. I tried making new account and sticking to guidelines as best I could, only for each account to be banned a few days after its creation. I have no idea how to go about getting my cashapp account back and regaining usability on it.
Product: Checking or savings account

Please provide feedback about the companys response. 
You have 60 days from when the company responded to your complaint to provide feedback. To provide feedback about the companys response you can log in to the Bureaus secure website or call us at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., Eastern, Monday-Friday. 

COMPLAINT ID XXXX company never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account number XXXX XXXX XXXX XXXX XXXX XXXX reporting on Experian report number XXXX No knowledge of account.
Product: Debt collection

I do NOT owe {$610.00}. My VERY brief account with XXXX XXXX in 2020, should be {$200.00} at the MOST. I was waiting for XXXX XXXX  to Adjust the amount to a lower amount since I promptly returned their equipment in the winter of 2020. We chose to not have an account with XXXX XXXX ( or any cable company for the same reasons ) due to their Deceptive business practices with payment postings, amounts owed, and overall quality consumer satisfaction which is very low. Please help get this incorrect inflated amount not owed removed off my credit report. Thank you.