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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Case Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a credit card from CapitalOne that I did not apply for.
Product: Credit card

I charge approximately {$100000.00} per year on various Citi accounts. I may not be Citi 's largest customer but I am surely above average. I ask no special favors. I ask only the minimum level of service Citi advertises. Instead I get harassment over matters outside my control. We use this particular card in my firm for business purchases. A member of my staff told me there was some security problem, and I would need to verify some security information. I did so over the phone with the bank 's representative. A couple of days later, I noticed the website still showed an alert warning on the account. I called the number given and fought my way past recordings, robots, foreign languages and a couple of on-holds and dropped calls. Finally, I reached an agent, but she offered no help at all. She could not explain why the alert was still in place or what I should do about it, if anything. It was a complete waste of my time. She told me a letter would be coming to me in the mail to address the matter. A letter? In the XXXX century? I asked her to explain and resolve it now. She refused and attributed this " procedure '' to " management '', so I asked to speak to management. A woman named XXXX responded. She asked about a single fraudulent transaction that I had already reported earlier. She acknowledged I had reported the item as fraudulent, but she said the bank had not acted on it. I objected to this harassment over a matter that had already been resolved. She said a new card would be sent in 5-7 business days. I told her that is exactly the same thing I have been told before, and I resented having my time wasted with repetitive alerts and calls on the same matter. It is evident that Citi does not care if it wastes customers time.
Product: Debt collection

Glasser and glasser keeps calling about a time barred debt to my parents. They threatened her, and keeps calling day and night. In some cases interrupts her phone calls to other people. The debt it is more than ten years old.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Submitted a police report to have the fraudulent account XXXX removed. Transunion first removed it then now added it back.
Product: Mortgage

I had looked into what the cares program was about on the wells fargo website. But never gave authorization to enter the program. About a month later when I saw that my payments were not going through I thought wells fargo was automatically deferring all payments for everyone because of covid. Now seeing these storylines coming out about wells fargo entering people into the program without their say so I realized they illegally entered me into the program
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. XXXX XXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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: Credit reporting, credit repair services, or other personal consumer reports

No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion is the third party company. Which means not only did my bank violate me under the privacy act of XX/XX/1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well. 
In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of XX/XX/XXXXXX/XX/XXXX by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the XXXX, TransUnion, and XXXX to Reinvestigate these accounts :
Product: Debt collection

I have asked this company several times on a recorded line to stop calling me. the company ignores my request and continues to call me everyday sometimes several times throughout the day. it is very annoying and disruptive to my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in 2019 and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to XXXX XXXX and they stated that I could not dispute this because a payment was made in 2019.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Under FCRA XXXX XXXX Regarding XXXX XXXX XXXX Dear Equifax, I am writing to formally request the method of verification ( MOV ) for the XXXX XXXX XXXX appearing on my credit report, as is my right under Section 609 of the Fair Credit Reporting Act ( FCRA ). I have made repeated attempts to have this matter addressed appropriately, and Equifax has failed to fulfill its obligations under federal law. 

Despite my requests for the MOV, Equifax has returned numerous disputesboth authorized and unauthorizedpertaining to this tradeline, exceeding XXXX instances. This excessive and improper handling of disputes is in direct violation of my rights under the FCRA. Furthermore, I demand that you either provide the specific method of verification used to validate the accuracy of the XXXX XXXX tradeline or remove it entirely from my credit file, as required by law. 

As a result of XXXX repeated failure to comply with federal statutes, I am now escalating this matter to demand resolution through arbitration, as provided under applicable laws. I am also seeking compensation for the damages caused by Equifaxs mishandling of my disputes and the undue burden this has placed on me. I am demanding a resolution in the amount of {$50000.00} to address the financial and emotional distress caused by your companys continued non-compliance with the FCRA and the mishandling of my dispute rights. 

Requested Actions : XXXX. Provide a full and complete written disclosure of the method of verification for the XXXX XXXX tradeline, as mandated under FCRA Section 609. 
XXXX. If the tradeline can not be properly verified, remove it immediately from my credit report. 
XXXX. Initiate arbitration to resolve this matter, and provide compensation in the amount of {$50000.00} for Equifaxs improper handling of disputes and failure to meet its legal obligations. 

Please respond to this letter within 15 days of receipt, as required by law. This is not a Dispute! I demand the immediate submission of all documentation and correspondence for all past disputes with this tradeline to support its subsequent VERIFICATIONS as mentioned above ; as is my right per Federal law. Failure to resolve this matter appropriately will leave me no choice but to pursue legal action and contact the Consumer Financial Protection Bureau ( CFPB ) directly, and other relevant regulatory agencies. 

I look forward to your prompt response and a resolution to this matter. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASES 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Debt collection

Several items were stolen from my home which includes my XXXX, my cellphone, tv XXXX   tablet, debit card. I reached out to chase bank and visited the branch due to these charges that were not authorized by me due to the card not being in my possession. Chase refunded my money and then later denied my claim stating that I did not have a valid proof that my card was stolen. Im unsure of this because If I call and say my things were stolen anything that was done with my card whether In person or online banking can not validate that my card was still in my possession. I have XXXX funds I have kids and bill that has to be payed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened an account at venmo to send money to a friend for a vacation rental on XXXX. That was the only time I used that account. On XX/XX/23 I received an email stated that my account was frozen due to violations of user agreement and that I must send personal id information to them to unfreeze the account. I didn't want to send that information since it seemed that my account was hacked because I had never used it during the time the 'violation ' occurred. I could not find out any information from the company about the details nor can I delete my account and remove my credit card and credit union information from this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus XXXX XXXX XXXX reporting inaccurate on all 3 bureaus status says paid on TransUnion and XXXX then says collections Im confused then on XXXX it says derogatory collection. Please remove or fix & permanently put paid 100 % on time on all 3 bureaus if my status is paid I dont understand. 

XXXX XXXX XXXX Is reporting inaccurate on all XXXX bureaus please remove XXXX XXXX XXXX is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX XXXX XXXX on all XXXX bureaus please remove XXXX XXXX  XXXX XXXX XXXX on TransUnion and XXXX XXXX remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on all 3 bureaus please update my payment status to 100 % paid on all 3 or remove this inaccurate account from my file..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries that I have no knowledge of and need them removed asap. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have made payment toward principal on two separate occasions with the same result. My payments are always up to date and on time. When I submit a second payment to principal, Freedom Mortgage places the payment in a " suspense '' and does not apply the funds to my mortgage principal. In the latest incident, they received the payment on XXXX and had taken no action when I called them on XXXX. During that call, they said that the payment would not be applied to my account until Friday XXXX. That is almost 2 weeks or nearly a half of a month of interest that I have lost and they have gained on my payment. As stated earlier, I have had this same issue previously. This is not an anomaly, it is a practice. As always, thank you for the important service that CFPB provides to consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received a letter in the mail from XXXX XXXX XXXX stating that an account was in the negative - XXXX I've never heard of this XXXX XXXX and where I live there is no XXXX.. I called the company and they told me to report it to the local police and my bank, also report it as fraud..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX There is no valid claim, no contracts exist ... account was settled with original creditor by and there is no balance and negative payments is still being reported. I am quite appalled and indignant. ( Debts can not be collected twice ) & this has damaged my credit scores. 

Grave errorsfalse claims and reportingsI want this accounts removed or corrected immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

This debt collector continues to harass me and my family about a medical debt that is unverifiable and they have no proof of a signed contract from me. I have sent 2 letters requesting validation and they only respond with an itemized bill with no signature or proof the debt indeed belongs to me. Under the Fair Credit Reporting Act all information reported to the Credit agencies must be accurate and verifiable. I have NEVER had a contract with this company or done any business dealings with them. They have nothing to prove I owe them and they have damaged my credit without merit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX XXXX XXXX XX/XX/XXXX Dear Experian/TransUnion, I recently reviewed my credit report and noticed that the following charged-off account is still reporting a balance, which I believe to be inaccurate : Account Name : XXXX XXXX XXXX Original Creditor : The View at XXXX XXXX Account number XXXX XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$8000.00} Original Balance : {$6900.00} Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$1000.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Reported Balance : {$13000.00} Account Name : XXXX XXXX XXXX  XXXX XXXX Account number : XXXX Date of Charge-Off XXXX XX/XX/XXXX Reported Balance : {$95.00} Account Name : XXXX XXXX XXXX Account number : XXXX  Date of Charge-Off : XX/XX/XXXX Reported Balance : {$80.00} Account Name : XXXX XXXX Account number : XXXX Date of Charge-Off : XX/XX/XXXX Reported Balance : {$250.00} According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. If this account was sold to a debt collection agency, which it has, the original creditor MUST report a {$0.00} balance, as they no longer own the debt. If they still own the debt, I request written verification of this balance, including : 1. Documentation proving the original creditor still owns the debt and can legally report a balance.

2. Proof that the balance reported is correct and consistent with the terms of the original agreement.

3. If the debt was sold, the name and contact information of the entity now responsible for it. 

If this account can not be verified, I request its immediate correction or deletion from my credit file. I have attached a copy of my driver 's license and proof of address to verify my identity. 

Please conduct a thorough and accurate investigation on all of these listed accounts and respond within 30 days, as required under the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX