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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - Chapter : XXXX  XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

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

There are old inquiries including the following that I reached out in XXXX to XXXX XXXX and XXXX and TransUnion to dispute, but the information is still not removed and now its XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thanks, XXXX XXXX XXXX
Product: Debt collection

The original creditor of this credit card debt was XXXX XXXX Bank. The debt was charged off and sold to various debt collection agencies, most recently LVNV Funding, who has outsourced the collection of this account to XXXX XXXX XXXX XXXX XXXX XXXX. I received a notice from XXXX XXXX XXXX in XX/XX/2022 that stated the debt would be removed from my credit file by LVNV Funding, their client, if I satisfied the debt in full for {$610.00}. I paid the {$610.00} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed XXXX XXXX XXXX for an update on receiving the debt satisfaction letter and asked when LVNV Funding, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if LVNV Funding -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that LVNV Funding could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for XXXX XXXX XXXX, again, asking whether or not their client and the owner of this debt, LVNV Funding, has or would receive notice that I had paid the debt in full directly to XXXX XXXX XXXX. As of this complaint, no one has responded to my e-mails. I am concerned that XXXX XXXX XXXX are a fraudulent organization who has collected my {$610.00} and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/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 {$0.00}, {$5700.00}, {$0.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to know that I am a victim of identity theft. The XXXX credit Bureaus required to remove these inaccurate information that are not belongs to the owner but yet they haven't to do so. Since it is a requirements by law 605b of the FCRA, I'm sending my letter certified mail to help establish a legal course. If you choose to not remove the following inaccurate items, I will be handling my attorney to start legal actions against you. These fraudulent items I've mention should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint concerning an account on my credit report : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX I'm writing to dispute inaccurate information on this account as follows Please Remove this entire account** from my credit report as I have no affiliation with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a credit entry added by XXXX XXXX for Acct # XXXX in the amount of {$54.00} with XXXX, XXXX and Experian regarding a debt that is not mine and I do not owe. To date, Experian is the ONLY credit reporting agency that has not corrected this incorrect information on my credit report. I was not aware that the information was still on my credit report with Experian until I had a credit analysis performed and they informed me that this debt was still present. Experian never " adequately '' responded to the my correspondence disputing the debt, but did note that I disputed this information. XXXX and XXXX already removed this information as they confirmed that I do not own/owe this debt. However, Experian continues to show this debt on my credit report and refuses to provide any legally valid information supporting their decision to continue to report this negative information on my credit report and that supports the fact that I own/owe this debt.
Product: Credit reporting or other personal consumer reports

I have request an investigation of XXXX XXXX XXXX on my credit report. The charge-off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/year> }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of information disputed by 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 information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Product: Checking or savings account

This bank is only open and operates by charging people fees even in a pandemic money hungry husband battling XXXX XXXX XXXX  with second XXXX. On XXXX XXXX  every 2 weeks costing XXXX for a month supply. So much money to the banks cant even get my monthly bills paid. Over XXXX in one year. Yet they have nerve to tell me they helped me they have not. Employees rude disrespectful even discriminate low income barely making it customers. Parents opened this account years years ago this bank doesnt care about loyalty suppose to charge one fee now telling me they are going to charge me 4 times a day.
Product: Debt collection

Received letter about said debt. The amount is incorrect as adjustments were made long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX  had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I must emphasize that the required original creditor 's documentation has not been provided to me, as required by FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The absence of a consumer contract with my signature is notable. According to FCRA Section 611 ( 5 ) ( A ), you are obligated to " promptly DELETE all information which can not be verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The experian company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the experian company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to XXXX  to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer and the one with ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. Erroneous RESULT OF The Equifax XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would need this account to please be removed from all there of my reports. XXXX has charger me XXXX for a bill and my son has XXXX at the time
Product: Credit reporting or other personal consumer reports

Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example XXXX.Date open different on all CRA XXXX, XXXX XXXX XXXX. Date of last payment is different on al CRA XX/XX/XXXX, XX/XX/XXXX XXXX. Date of last late payment is different on all CRA XX/XX/XXXX, XX/XX/XXXX. Account balance is different on all CRA {$15000.00}, {$16000.00} {$15000.00} XXXX. Date account was closed is different on all CRA XXXX, XXXX, XXXXXXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$15000.00} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXXXXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$16000.00} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$15000.00} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : 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. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card or prepaid card

At XXXX, XXXX in XXXX AZ in XXXX of XXXX. Time share presentation represented as vacation points. Verbally told to open an XXXX account w/ them ( I already had an XXXX account ) in the amount of XXXX. The amount of a XXXX percent down payment. Verbally told no payment or interest for one year. Membership to start in XXXX, can cancel at anytime. Did not understand that the real estate transaction superseded verbal agreement. 

Received XXXX bill immediately, with interest. Tried disputing XXXX charge, never activated XXXX card. XXXX will not honor any verbal agreement. I am responsible for full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked TransUnion to verify these two accounts ( XXXX XXXX XXXX : XXXX & XXXX XXXX  XXXX  : XXXX ) After reaching out to them more than two times, they still failed to verify them. At this point TransUnion is reporting false information and accounts that does not belong to me. They would realize this if they just investigate correctly and stop stalling. I have become very frustrated with TransUnion continually not following the laws set by the FCRA. At this point if these accounts are not removed from my credit report, I will have no choice but to get the courts involved because this is starting to affect me getting credit.
Product: Credit card

XXXX XXXX in terms of their stockholders job to uphold account management and determine propaganda. Im not their spokesperson and teller to be giving away free information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  To whom this may concern : I am writing to update/correct my personal information on my credit file I dont wish to have any telephone number on my report. 

Under consumer law, credit bureaus reporting old or outdated addresses may violate provisions of the Fair Credit Reporting Act ( FCRA ). The relevant sections are : 1. FCRA Section 1681e ( b ) : Accuracy of Information Credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an old or incorrect address could violate this provision if it misrepresents your current address and affects your credit profile. 

2. FCRA Section 1681i ( a ) : Dispute Process You have the right to dispute inaccurate or outdated information, including old addresses, with the credit bureau. Once you file a dispute, the bureau must investigate and correct or delete inaccurate information, typically within 30 days.
Product: Money transfer, virtual currency, or money service

Hi, I got a check for XXXX  $ and deposited from ATM.Amount got posted to my account next day.I have sold my items to party by seeing the amout in my account. Later bank debited XXXX  saying funds are not available on other bank. 
They shouldnt make funds available if they havent checked with Bank. atleast they should say check is processing. 
I am victim of this scam and bank is bank of america.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are still reporting with a balance and it should be reporting XXXX. They update my credit on the XXXX of XXXX saying I have a balance when in reality it showed that my balance is XXXX in their side. 

I reached out to them asking why they report that I still have a balance, and they said it does not show any balance. 

They also said that they update reports at the end of each month and sent me a letter stating it was paid. I sent this letter to the credit bureau disputing the current balances being reported, and they verified it as accurate. Why are they reporting that information was verified and it wasnt. If it was verified theyd report the loan as XXXX.