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

I understand that despite customers providing precise information, you have been responding to numerous disputes, complaints, and challenges with pre-written standard form letters. It has come to my attention that this practice is unlawful, as each customer complaint should be individually assessed and addressed on its merits. 

The letters I have submitted were created using readily available software accessible to everyone. Failure to process or address my letters would be a violation of 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on assumptions about third-party assistance without a valid legal exception. I confirm that I am the sole author of the letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Deliberate non-response to my correspondence will be construed as a willful disregard for my customer rights, and I will be compelled to involve legal representation and pursue legal action. 

As per FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the established XXXX XXXX data field reporting standard, I have the right to dispute any inaccurate information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being made available to creditors. I take these matters seriously, and the allegations of delinquency and derogatory information against me are entirely false. I will not tolerate misinformation associated with my name and financial history and am prepared to fight back vigorously. 

Your credit report accuracy is vital. The listed allegations fail to meet federal or state reporting requirements and lack substantiation. I challenge these claims due to their non-compliance with basic reporting standards, which would instill confidence in the accuracy of the information presented. It is your responsibility to maintain and report data accurately and in compliance. Please handle this matter with utmost care and diligence. 

Regarding the listed items : - 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 am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Experian, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect DOB - XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX, XXXX EMPLOYER - XXXX XXXX
Product: Credit reporting

A state tax lien from XXXX 2010 should have been removed, I entered a complaint through CFPB, and Trans Unuion stated that it would be removed. However it is still showing on my credit report. 

This is a Released tax lien that was filed in error and should not have been on report to begin with, I am asking that Trans Union remove the tax lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX violated my rights under 15 U.S. Code 1666b which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I also never received a late payment letter from XXXX XXXX in the mail informing me ( the consumer ) that my account was late according to section 1637 ( b ). Therefore, please update the payment status on my report for XX/XX/2024 to On Time as this account is at a XXXX balance. 

Thanks
Product: Debt collection

I don't know who these people are or what debt they are calling about because they don't disclose it. They call from number XXXX and say " they are with Revenue Reporting and are handling a matter that directly concerns me and before they sign off and submit anything they want to give me the opportunity to go over the details of the matter. It's imperative that they speak with me ... and they will leave a message with my office also ... '' This is not OK to not tell me what the debt is and to call my employer!!!
Product: Debt collection

This company never gave me a XXXX notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!!!!!!
Product: Debt collection

Dear Amex It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you. 

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX rights reserved 2024
Product: Credit card or prepaid card

In the spring of 2018, i had a XXXX  balance with XXXX, i had paid off the entire bill, when i received a check from XXXX in the amount of abour {$130.00}, i then called XXXX XXXX customer service and inquired about the reason for the check and should i cash it, they assured me that i had overpaid and hat i had received the check because my account had a credit balance. I cashed the check and the next month i received a bill for the amount that the check had been plus interests and finance charges, i called and was told i should not have cashed the check, that a mistake had been made, i tried to reason with hem and reported that i had called before cashing the check with no results. The amount now has gone up to about {$370.00} because of interest and finance charges. This was not because of a purchase i made but all stemmed from a check that they erroneously sent to me. From a {$130.00} check they sent to me to now to {$370.00}. It has now been put on my credit report, lowering my credit score so that i can not qualify for any loans or anything. 

The XXXX account # wasXXXX XXXX XXXX XXXX financed through XXXX XXXX. The account was turned over to LVNV Financial, LLC C/O Resurgent Capital Services XXXX  XXXX XXXX, SC XXXX, Phone # XXXX for collections and this is on my credit report. This all originated from XXXX  XXXX/XXXX   XXXX  XXXX XXXX, FL XXXX.
Product: Debt collection

I received a notice on XX/XX/2021 that a Debt Collector is trying to collect a debt based on a judgement meaning I may have already been sued but I was not aware of it and was not given any communication about this debt nor options to pay this debt. 
I have only been given the info about a judgement and thats it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. I viewed my XXXX credit report on XX/XX/2024 and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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

Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

BankruptcyXX/XX/XXXXdischarged : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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 card

I have a Bank of America XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a " high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and Capital One is showing as OPEN and MANAGED BY A DEBT AGENCY. This program was canceled, Capital one and XXXX was notified that I was no longer in the program. I pay my payments DIRECTLY to XXXX as well as Capital One monthly and have also contacted them via telephone in regards to these issues with NO RESOLUTION.
Product: Mortgage

XX/XX/2020 right at the beginning of covid. I retired from my company after 23 years. At that time everything was okay and I received something in the mail from a third party about lowering my payments. Okay I looked into it. I ended up giving them {$3000.00} to help me refinance my mortgage as a third party they contacted my mortgage company and got me on the forbearance program so I wasn't making my payments. I thought this was all normal. I was getting nowhere except behind on my mortgage for the next few months. I then took over this process with myself with my mortgage company XXXX of XXXX. Trying to modify my loan for the next several months. I kept filling out all the paperwork and doing everything citizens one requested. I would call back. I would get put off or told that it's in processing or it was some missing something. This is gone on now for a year. I'm further behind. I just want my loan deferred and start making payments again. Whatever my options are but I'm not getting anywhere with citizens except for runaround. Thank you!
Product: Credit reporting or other personal consumer reports

American Express National Bank did not answer any of the questions mentioned in the CFPB complaint with the case number XXXX. American Express National Bank must sue me immediately in the court, or explain why American Express National Bank did not and will not sue me in the court for the {$10000.00} debt in my credit report wrongfully reported by American Express National Bank
Product: Credit reporting or other personal consumer reports

These late payments are not consistent with my typical payment history.
Product: Credit reporting or other personal consumer reports

There's multiple mistakes that is reporting on each of the 3 bureaus differently. The creditors are 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXXXXXX XXXX 4.XXXX XXXX I have tried multiple times in TRYING TO get IT Resolved. But every time you have failed to delete the items and they continue to show the INNACURACIES. From payment history to date started just to name a few of the mistakes being reported.Each of the 3 consumer reporting agencys have failed to fix it. And continue to have inaccurate and incomplete reporting to post without being fixed. It supposed to have maximum accuracy and this is far from it. Please follow the law and delete those listed items.

Heres the United States code/ law showing that its your job to delete theze items from reporting. They have failed to fix the mistakes gor months and there is just too many mistakes from the accounts that And it is your responsibility to and it is the law to delete these items from reporting on my credit reports moving forward.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 ( 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. 

Those are the laws that is forcing you to now delete each of the listed items from reporting on XXXX, Transunion, and XXXX. Please follow the law and delete these items. Failure to do just that will result in a lawsuit being started for each bureau that didn't do the right thing and follow the law. Thank you for reading this dispute I look forward to hearing back from you guys and getting these items deleted asap. Thanks and God Bless! 
I'm also attaching My ID front and back my SSN and a bill with my name and address on it FOR IDENTITY PURPOSES. And I'm attaching A Identity Theft Report that shows that this is a real ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have been sending letters to Experian and XXXX  in regards to unauthorized fraudulent inquiries placed on my credit bureau profile accounts. Since XX/XX/2021, two of the three bureaus ( Experian and XXXX  ) have ignored my requests and have not sent me any correspondence. A post card is not what I'm expecting receive as a response, after sending many inquiry investigation letters. Yet, still no removal of the fraudulent inquiries from these bureaus, regardless of the countless letters I've mailed. If you can mail post cards, then why are you not responding to my letters or sending me proof of methods used to verify the information that continues to remain on my profile. This has been a long tedious battle with Experian and XXXX  for months. I have had no support from the bureaus. I am being treated as if, I am not the valued consumer and my information has been compromised. I have been left feeling violated. I have called and spoke to representatives at the bureaus that have either disconnected my calls or ignored my request and even asking me to file reports with the police. In addition, I have also contacted each individual creditor to request proof or removal from my reports and no success either. The creditors continue to respond with ; they don't have records of my information on file with them. 

XXXX- letter to Experian for inquiry XXXX XXXX XXXX - XX/XX/2021. No removal XX/XX/2021- letter to Experian again for XXXX XXXX XXXX - XX/XX/2021. No removal XXXX- letter to Experian a third time and No removal. 

XXXX- letter to XXXX  for inquiry XXXX XX/XX/2021. no removal XX/XX/2021 - letter to XXXX  again for inquiry XXXX XX/XX/2021. no removal XXXX letter to XXXX  and a third time for inquiry XXXX XX/XX/2021. no removal Each time a response from Experian or XXXX  comes back to me, its a post card or letter of inquiry investigation process. Yet, never a letter showing me verification of method used to verify the inquiry.
Product: Credit card or prepaid card

On XX/XX/2020 t RECEIVED a voicemail from BBVA bank advising me of suspected fraudulent activity on my VISA card. I immediately responded, the same day, and advised the bank I didn't make these two charges. These charges were at " XXXX 's ' XXXX '' {$18.00} and $ XXXX These transactions were " pending '' -- The bank advised me they couldn't reject the charges but I would have to go through the " process ''. 

It's been 88 days and counting and I have not been credited with these amounts. I spoke with " XXXX '' to at XXXX and advised her of the situation. She suggested I call customer service, which I did and was advised the wait time is over 1 hour.
Product: Debt collection

I have, with no avail tried to get this off my credit report. 
this company L J Ross, is reporting that I owe. I've was notified by XXXX that i was part of a nation wide breach an my information an identity was exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023 I requested that Transunion conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however Transunion was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. Transunion was not able to validate the debts but yet said they had.
Product: Debt collection

I have no idea why we got a debt collection bill for {$7.00}, when I paid this bill off over a XXXX ago, and never even got any recent bills for this amount. No idea where this came from and will be very angry if this affects my credit.
Product: Credit reporting or other personal consumer reports

These inquiries were not made with my consent and are causing significant damage to my credit score.
Product: Vehicle loan or lease

I fulfilled my lease obligations. I bought a vehicle when my lease was up and part of the deal was the dealer being XXXX XXXX XXXX was going to pay my last note to bmw financial. They paid the note but given incorrect amount by Bmw financial. I called Bmw financial 2 months before my lease was up and was told that I would receive a {$300.00} credit bc I was under my mileage by almost XXXX miles. I receive the {$800.00} plus bill that is in collections. They confirmed they received pmt but for whatever reason they did not issue my {$300.00} credit or post pmt. have contacted them 20 plus times been told I can not speak to a supervisor they said they would settle for {$170.00} instead of {$300.00} disposition fee which they arent now. I owe nothing. They are billing tax on everything as well. My car note was {$490.00} its their fault they told Bmw XXXX {$450.00}. Tried to fix that I got letter saying call dmv we are billing for tax. Im a XXXX XXXX  family widow of XXXX died on XXXX XXXX I dont pay car tax. Now they are ruining my credit. Doesnt seem legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}
Product: Credit reporting or other personal consumer reports

Equifax was suppose to close old accounts because they leaked out my information and had a lawsuit against them and they should be removed immediately
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback to see wrong accounts on my credit report, with no explanation for how they appeared. I check my report routinely, but this time, I was met with discrepancies out of the blue. I tried refreshing my browser, thinking it could be a technical glitch, but the errors didnt go away. The inaccurate accounts were still there after refreshing. Im requesting a detailed review of my submitted documents to ensure I never have to stress over this again.