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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or unverifiable information on my credit report and to bring to your attention your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o regarding civil liability for negligent non-compliance.

Upon review of my credit report, I have identified such as XXXX. XXXX XXXX, ALL OF DEPT OF EDUCATION/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an account, balance, or status which I believe to be [ inaccurate, outdated, incomplete, or unverifiable ]. Despite my previous attempts to resolve this matter, your failure to comply with FCRA obligations has caused financial and reputational harm.

Under 15 U.S.C. 1681o, any person who negligently fails to comply with the requirements of the FCRA is liable for : Actual damages sustained due to such failure The costs of any legal action, including reasonable attorneys fees I am requesting the following actions be taken immediately : 1. Conduct a thorough investigation into the disputed information.

2. Provide written documentation verifying the accuracy of the reported item ( s ) or remove the inaccurate data.

3. Cease all reporting of unverifiable or inaccurate information to the credit bureaus in accordance with FCRA regulations.

Failure to comply within 30 days from the receipt of this letter will leave me no choice but to pursue legal remedies, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, initiating a civil lawsuit for damages as outlined in 15 U.S.C. 1681o.

Please respond in writing confirming compliance with this request. I expect your prompt attention to this matter. 

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

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX XXXX XXXX : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( 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. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EXPERIAN, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX # XXXX XXXX GA. In addition EXPERIAN is showing the incorrect Employer of XXXX XXXX XXXX XXXX and that needs to be DELETED as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX  XXXX XXXX XX/XX/2022 Stating that it past due of {$65.00} as of XX/XX/2022 which is reporting inaccurately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license with current proof of address on it to this complaint for faster processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my wife and I took a used vehicle loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. We were unable to keep the car and had it Voluntarily repoed. 

They sold the vehicle at a auction and we never got a amount owed from the sale. Now XXXX is reporting late payments on a account that shows still open from 4 years ago on the car payment. Also that we owe a amount we have never seen. States account is still open and active. This is deceptive meant to destroy my credit. Also shows a bogus bank account when I had a savings account with them that I closed as owing money. Both accounts have been reported as recent as XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have 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 instruction.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, XXXX and XXXX for their failure to conduct a proper investigation and provide the required documents as required by law to properly verify the following inaccurate and misleading accounts their reporting on my credit report ; XXXX XXXX XXXX : Account/Reference Number : XXXX Debt Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Debt Amount : {$1000.00} XXXX XXXX XXXX Solutions : Account/Reference XXXX XXXX XXXX XXXX Amount : {$320.00} XXXX XXXX Systems : Account/Reference Number : XXXX Debt XXXX XXXX {$4100.00} XXXX XXXX XXXX Number : XXXX Debt Amount : {$220.00} Under the FCRA, TransUnion, XXXX and XXXX is required to conduct a reasonable and independent investigation when a consumer disputes information on their credit report. The court in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), emphasized that credit reporting agencies must go beyond mere reliance on information provided by data furnishers. This means XXXX, XXXX and TransUnion must take affirmative steps to ensure the information is accurate and complete. 

To meet this obligation, XXXX, TransUnion and XXXX must obtain original source documentation from each Collection Company Mentioned herein, including but not limited to : The original contract or agreement bearing my signature that allegedly created the debt. 

The debt purchase agreement or chain of assignment showing each XXXX XXXX mentioned herein legal right to collect on the debt their independently reporting. 

Without proper verification of these critical documents, the accounts can not be deemed accurate or verifiable. The case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), establishes that a failure to obtain this documentation renders the account unverifiable and requires its removal from the consumer 's credit report. Therefore, if TransUnion, XXXX and XXXX can not obtain and review these documents as part of its investigation, the account must be deleted pursuant to the FCRA. 

TransUnion, XXXX and XXXX must fulfill their statutory duty under 15 U.S.C. 1681i by conducting an independent investigation and ensuring that each XXXX XXXX mentioned herein provides proper verification of the alleged debt. Please provide me with a written response detailing the outcome of your investigation, along with copies of any documentation you relied on to verify the accuracy of these accounts. I expect a response within the time frame required by the FCRA. If XXXX, TransUnion and XXXX can not provide such documentation, I respectfully request the immediate removal of these accounts from my credit report.
Product: Debt collection

RESURGENT CAPITAL SERVICES is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with RESURGENT CAPITAL SERVICES. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. RESURGENT CAPITAL SERVICES is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
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, XXXX, Equifax, and XXXX, block information on my credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of the following accounts, XXXX. XXXXXXXX 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 XXXX XXXX XXXX XXXX twice on Equifax ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXXEquifax XXXX XXXX XXXX I do not recognize the aforementioned accounts, inquiries, and collections on my credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, inquiries, and collections are the result of identity theft and fraud. I have attached a copy of my file FTC Identity theft report, Report # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned as proof and have also filed an identity theft report in my local jurisdiction. The breaches of my information confirmed by both Equifax as well as XXXX XXXX XXXX have allowed for my information to be stolen by someone who committed a financial XXXX  in Alabama, for which I was falsely XXXX  in Texas for. Once the mistaken identity was confirmed, I was released without any charges or pursuit.
Product: Money transfer, virtual currency, or money service

Cash App is holding my Bitcoin hostage. I had {$10.00} worth of BTC transferred into my Cash App wallet, that I initially purchased from them, from an outside wallet. The blockchain is showing 118 confirmations so I can't reverse the transfer. This is 24 hours after the transfer was initiated that the transaction is still showing as pending in Cash App. I have tried writing their customer support several times but have heard nothing back. I just want them to either put my BTC in my wallet or reverse the transaction so I can have access to my BTC
Product: Credit reporting

Select Portfolio Servicing refused to put " this account is being disputed '' on my credit reports with XXXX credit bureaus even after 30 days and 60 days expired. Called me at night XXXX XXXX Said would pick up money from my house and job. Caused me to lose jobs, not get car and business loan, my credit score went down.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXXXXXX  Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Debt collection

The debt collection company AFNI put a debt that has been disputed with several companies and removed several times with other companies. After being tired of trying to rectify the situation through disputes I contacted AFNI on XX/XX/2020 and reached a settlement and was told if I paid the settlement the debt would be paid and removed. I was advised this would be updated the following Sunday on XX/XX/2020. As of today, XX/XX/2020 ; the collection still shows open, as if I still owe it on my credit reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charged-Off Account and Missing 1099-C Form Amount Reported : XXXX {$12000.00} ; XXXX {$12000.00} Dear SANTANDER CONSUMER USA , I am formally disputing the inaccurate " charged off '' status on my account and demand immediate action. According to IRS guidelines, creditors must issue a Form 1099-C, Cancellation of Debt, when a debt is charged off. Yet, to date, I have not received this form, which raises serious concerns about your compliance with federal tax laws.

You must take corrective action without delay. Either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account immediately if no 1099-C has been issued.

Failure to resolve this matter promptly will leave me with no choice but to report this as potential fraud and noncompliance to the IRS. I expect written confirmation within 30 days that either the 1099-C has been issued, or the charged-off status has been removed. This is an urgent matter, and I expect it to be treated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Experian ( ONLY ) has been decreased by 69 points in one day from " excellent '' to " Good '' they say it is because : 1. " Serious delinquency '' ( I HAVE NONE REPORTED ON MY REPORT ) All report " exceptional '' payment history! 

2. " Short account history '' 36 Years 9 mo. is my oldest open account. 

I have an excellent credit rating by both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX - XXXX... 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another COMPLAINT to block the unknown items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to block any items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this report in my previous complaint XXXX, XXXX, and XXXX & I am including it again. Also, the information you provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please block the items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NV XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX - ; XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance - ; XXXX XXXX Balance {$2100.00} ;
Product: Money transfer, virtual currency, or money service

I had my chime account for about 2 years. I had my chime account linked to my XXXX XXXX  account and then my email and chime account and phone were hacked and stolen and I've tried to resolve this with no help and no solution from the company. They just tell me I can't open an account with them and I had deposits going into that account. I have the original debit cards and proof of my identity. Im with XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXXIssue : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Money transfer, virtual currency, or money service

I am typing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite the use of Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX filing this FTC Identity Theft Affidavit to report this fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of XXXX XXXX XXXX XXXX XXXX, This account resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.