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

Subject : Formal Dispute Request for Permanent Deletion of XXXX XXXX XXXX XXXX Account Dear TransUnion Dispute Department, I am writing to formally dispute the collection account listed under XXXX XXXX XXXX on my credit report. This account is inaccurate, unverifiable, and reported in violation of my consumer rights, and I am demanding that it be permanently deleted from my credit file. 

The details of the disputed account are as follows : Creditor : XXXX XXXX XXXX XXXX : {$2300.00} Legal Basis for Dispute : Under my rights as a consumer, I am demanding the deletion of this collection account in accordance with the following laws : 1. FCRA ( 15 U.S.C. 1681 et seq. ) The Fair Credit Reporting Act requires that all information reported to credit bureaus must be accurate, fair, and verifiable. If this account can not be verified in full compliance with federal law, it must be deleted immediately. 

2. 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) This law states that if a consumer notifies a debt collector in writing to cease communication, they must stop all collection efforts. If I previously disputed or requested verification of this debt and XXXX XXXX XXXX failed to comply, this account must be removed. 

3. 31 U.S.C. 5118 This law governs financial transactions and reinforces the necessity for legal and accurate consumer credit reporting.

4. FCRA ( 15 U.S.C. 1681i ) Requires the credit bureau to conduct a full reinvestigation within 30 days and delete any unverifiable or incorrect accounts.

5. FCRA ( 15 U.S.C. 1681b ) If XXXX XXXX XXXX did not have a permissible purpose to report this collection account, its presence on my report is a violation and must be corrected immediately. 

Request for Immediate Action : I am formally requesting that [ Credit Bureau Name ] : Conduct a full reinvestigation into the accuracy and legitimacy of this collection account. 

Obtain proper verification from XXXX XXXX XXXX proving that this account is valid, that I owe this amount, and that it was reported in full compliance with all federal laws. 

Permanently delete this collection account from my credit report if it can not be verified with legally sufficient documentation. 

Under the FCRA, you have 30 days to complete this investigation and provide me with a written response. If this collection account is not removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by the continued reporting of inaccurate information. 

I have enclosed a copy of my ID and proof of address for identity verification. If you require any additional information, please contact me in writing at the address provided above. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that this collection account has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting

Someone offered to pay my car note for me, but he paid for it online.He obtained my car account number.now he is threatening to use the my information such as name, address, birthday, etc to get another driver license and get credit in my name.I trying to prevent this from happening.I am working on getting my credit score up and I do n't need anything negative to affect it
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several student loan accounts on my Equifax report. I consolidated all of my student loans. No need to have several accounts on my report. Leave current one and remove the rest of all those accounts on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I am requesting a copy of my report- please see attached for : form filled out, drivers license, social security card, and proof of address. Please email it to email address on form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report at Experian, and they do not properly investigate them to determine that are mine. My last attempt was decided on XX/XX/2019. these things that are on there from years ago are not mine. And they cant prove otherwise.
Product: Credit reporting or other personal consumer reports

I was robbed XX/XX/2023. My wallet and SSN was stolen and {$140.00} in cash. Someone try to open an account with XXXX XXXX XXXXXXXX XX/XX/2023 ( Transunion ) and with XXXX XXXX XXXX ( Transunion ) XX/XX/2023. I do not recognize any of these hard inquiries. I have made a police report which I will attach to this file. Other issues were resolved except the 2 hard inquiries. ( Transunion ) It look like they tried to open an account. I now have notifications set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I became very very ill due to XXXX XXXX and fell behind my payments for my Discover card in XXXX and XXXX. I received accommodation from Discover by waiving my late fees. According to XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( l ) states the following : the furnisher shall report the credit obligation or account as current.
Product: Credit card or prepaid card

XX/XX/XXXX I was doubled charged for statement balance. The ysaid they would refund by direct deposit ( the same way it was charged ). XX/XX/XXXX i check bank but no refund. I called and they said it was mailed by mistake I told them I do not want mail to stop payment this. They said XX/XX/XXXX i should see money. XX/XX/XXXX still no money in my bank i called and they said XX/XX/XXXX. XX/XX/XXXX no money I called now they are saying XX/XX/XXXX for refund process. Can I please get some help reporting Bank of America. I shouldnt have to wait a month to recieve my refund.
Product: Credit reporting or other personal consumer reports

When this account first appeared on my credit report I reached out to try to get more information. All I was told is that the only way to get more information is to pay. I informed them that I would not pay because this account t was not opened by me nor authorized to be opened on my behalf. They refused to help or give me any information unless I pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report there are two hard inquires from XXXX. One inquiry is dated XX/XX/2017 while the other is dated XX/XX/2017. Both are being shown on my credit report when I applied for a home mortgage both times. Since both inquires were for a home mortgage during a two day time frame, shouldn't my credit report reflect only one inquiry?
Product: Debt collection

It is a scam to collect personal information. After they realized that I was not gullible they said it was a mistake and they promised to remove me from the mailing list. I will send the notice of debt as an attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is reporting delinquent and past due although it is closed and paid off. I have tried disputing it but they are reporting that it is accurate and it is not.
Product: Credit reporting or other personal consumer reports

I want EQUIFAX to recognize my right that it can not choose any information attributed to me as personal information, that only what I prove as a person that this is relevant, you throw away the information I prove to you, you throw away the information in my US ID, how can you prove and try to understand such an action while you deny my personal that I prove to you never makes sense. Where you get this information you are ready to give it, I have never changed my name in my life anyway you can decide.
Product: Money transfer, virtual currency, or money service

My tenant sent me the rent via ACH using his XXXX XXXX account using ClearXChange. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX checking account. But then ClearXChange asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. 
When i did that - i come to know that XXXX is only mobile based app - it 's not something that can be done via computer browser ... it 's strict no no for me. Worst thing - it cancelled my ClearXChange profile and cancelled my incoming transfer. 

Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. 

Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform?
2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers?
3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. 

This is plain simple ridiculous. Customer service seems to be operating from XXXX and does n't even know how to deal with customers in this kind of situation. They are taking customers for granted.
Product: Checking or savings account

I have made deposits in TD Bank ATM machines. I have not been able to see these deposits on my statements. I have gone to the bank 5 times over the last two banking days. Each time I have been told that the bank can not go into the system and find my deposits and Identify them. I have been told to come back and or take a seat each time I have come to the bank
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect information on my report please help i was never late on my XXXX account. 

in accordance with the fair credit report. I want you to copy everything I say in that box word for word. Pay attention. Copy it. And paste it on your box in accordance with the Fair Credit Reporting Act. 

This creditor has violated my right under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604 a, section two. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCs. One six six b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Can you help with your credit.
Product: Credit card or prepaid card

I apply for capitalone credit card I was approved then when I get it and when I activated it say it 's frodglent it happen twice ... and when it to type my last 4 digit of my ssn it say it not that wright number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXas been reporting an unsecured personal line of credit tradeline ( that was originally originated by XXXX  XXXX and transferred to XXXX through the XXXX XXXX XXXX as a mortgage product on my credit report for 14 years. When I disputed the tradeline with Equifax in XXXX of XXXX, XXXX XXXX reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the tradeline or my PII ( social, birthday, name and address ). The tradeline both before and after my Equifax dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from Equifax.
Product: Credit reporting

I have only been able to get my annual free credit report once in my entire life from Experian. Their site gives a plethora of reasons and error codes as to why I ca n't receive my reprt. Some have included my personal information not matching, not being able to verify my identity, incorrect information provided, etc. Most recently, it advised me I had already received my annual free report, which is a lie. I have called them countless times over the years and they are always totally unwilling to help. I want my free report. This has gone on long enough.
Product: Debt collection

i had medicaid at the time of service. I gave the physician my insurance cards and they just didnt run the bill up under the insurance and put it on my credit report without my knowledge and consent thus breaking my HIPAA rights. I did not give permission for my medical info nor bills to be given to anyone outside of the health care providers office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.
Product: Mortgage

Contacted Loan Depot on loan # XXXX. They have a bad report to my credit. after loan has been paid in full. They have not cooperated in helping me get that negative report of all my credit bureau. This is affecting my ability to get lower interest rates for the last 3 years. I need your help to get loan depot erase that negative report. I would like to file so they pay for all the interest rates I have had to pay due to their false reporting to my credit.
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 16 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's challenging enough when your identity has been compromised, but for the credit reporting agencies to continue to report unverified accounts then it becomes an legal issue. I was either told that my previous disputes where verified or they didn't respond at all. However, no account has been properly verified because I never recieved the requested hard copy of documentation for neither disputed account. The credit reporting agencies would say that yes the accounts been verified, however as a general rule of law electronic Verification can not be accepted as proof. Exactly what Method of Verification was used?, who spoken with whom?, what date and time did this investigation take place? Now if you can not provide me with this information then as a consumer I'm demanding that these accounts be blocked immediately from my credit files. 
Accounts to be removed. 
1 ) XXXX {$72.00} 2 ) XXXX {$71.00} 3 ) XXXX XXXX {$130.00} 4 ) XXXX  XXXX XXXX {$30.00} 5 ) XXXX XXXX  XXXX 6 ) XXXX XXXX  XXXX {$680.00} 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX XXXX {$350.00} 9 ) XXXX  XXXX XXXX {$5700.00} 10 ) XXXX XXXX XXXX XXXX {$3800.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a situation in which credit cards were opened in my name without my knowledge or consent. I recently discovered that my mother opened several credit accounts under my name, and I did not authorize or apply for these accounts. 
The affected accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) I have filed a police report regarding this matter, but I am hoping the situation can be resolved without needing further legal action. If my mother is able to pay off the balances on these accounts and transfer them into her name, I believe this would resolve the issue without the need for ongoing legal involvement. However, if this solution is not possible and the accounts remain in my name, I will need to proceed with the police report and take the necessary legal steps to clear my name and credit. I kindly request your assistance in investigating this matter, ensuring that any fraudulent charges or debts are removed from my credit report, and that the accounts are either transferred or closed. 
I would appreciate your prompt attention to this situation and would be grateful for any advice on how to proceed while the matter is being resolved. Please let me know if any additional information or documentation is required. 
Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, Equifax, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish the accounts listed below on my consumer report?

No. I most certainly did not.

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section II of this letter on my consumer report.

Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Checking or savings account

I recently tried opening an account with XXXX XXXX XXXX  a week ago inside of their branch. XXXX  branch provided me with a denial letter and provided me the information to contact an agency called " XXXX '' who may be reporting inaccurate information on my consumer report through their agency. I was advised from XXXX XXXX bank to contact this agency which I did and spoke to XXXX which they provided me to go online & I was able to pull up very detrimental & inaccurate information from XXXX different banks ( XXXX, XXXX XXXX XXXX XXXX Bank of America ). I was able to speak with all XXXX banks. XXXX XXXX  has stated they have reporting this information to XXXX to get this removed. Bank of America has started the dispute process. XXXX XXXXXXXX XXXX I am needing to speak to to start the process. In the meantime, all of this inaccurate information is due to identity theft which I have no knowledge of any of these accounts being opened in my name without my consent. Please remove and block. I have never opened any of these accounts. I am taking a thorough initiative to ensure this is appropriately removed from my consumer report through XXXX.
Product: Mortgage

I have contacted the company continually and have been told that they will not provide the release of lien, they explained to me that the loan was downgraded to unsecure lien and sold to XXXX XXXX. 
XXXX XXXX does NOT have a release of lien as it was NEVER a lien on the property from them as it was UNSECURE when they purchased it. I was informed by my real estate attorney that New/Rez Shellpoint Mortgage who merged with the loan holder XXXX XXXX  would be responsible with providing the release of XXXX as XXXX downgraded this lien to an UNSECURE lein when a first mortgage foreclosure happened and then was also coded as SOL as the statue of limitations had expired on collection. Shellpoint provided this information to me when I reached out twice. Per your letter attached, New Rez aka Shellpoint sold the loan to XXXX in XXXX of XXXX and then XXXX downgraded it to a UNSECURE lien. This is the point that a release of lien should have been provided by XXXX. Because Shellpoint acquired XXXX, Shellpoint would be the ONLY company that would be able to provide the release of lien.

This has gotten completely out of hand and is ridiculous that three months later, The lien holder is still not providing the release of lien. When you sell an unsecure loan to a collection company, the release of lien would need to be provided as it is NO LONGER a secure lien on the property. 
Questions I need answered : 1. How do I obtain a release of lien from XXXX XXXX when no contact information can be provided, and when it was explained by your company ( See attached letter ) NEVER held a lien on the property.

2. Shellpoint acquired XXXX, therefore XXXX no longer exist, meaning Shellpoint that acquired them would be the only company that can provide the release of lien so please explain why is this not being executed? 
I will be filing a loan suit if this is not remedied and quite title is needed to obtain this release as this is now costing me money and countless time for a companies incompetence. 
Please see attached letter