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

Dear Sir/Madam, I am writing this letter to dispute certain items on my credit report that have been reported by TransUnion and XXXX XXXX. Upon reviewing my credit report, I have noticed that there are several inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Firstly, I would like to point out that the reporting of this information is inaccurate and incomplete, which has resulted in a significant negative impact on my credit score. As per the FCRA, it is mandatory for credit reporting agencies to ensure that the information they report is accurate and complete. However, in this case, I have found that the information reported by TransUnion and XXXX XXXX is not accurate, and it has caused damage to my credit history. 

Secondly, I have not received any notice from XXXX XXXX about the debt they are reporting on my credit report. As a consumer, I have the right to receive written notice of any debt that is being collected from me. However, XXXXXXXX XXXX has failed to provide me with such notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my consumer rights. 

Furthermore, I would like to mention that I have not authorized XXXXXXXX XXXX to obtain or report my credit information to TransUnion. The FCRA states that consumer reporting agencies are only allowed to obtain and report credit information with the consumer 's written consent. However, I have not given any such consent to XXXX XXXX or TransUnion, and their actions are in violation of my consumer rights. 

In light of the above violations, I request that TransUnion and XXXX XXXX remove the inaccurate and incomplete information from my credit report, as well as provide me with written confirmation of the removal of the disputed items. Additionally, I request that they cease all collection efforts related to this debt until they can provide me with the proper written notice as required by the FDCPA. 

I would appreciate your prompt attention to this matter and a timely response. Please do not hesitate to contact me if you require any further information or documentation. 

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

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Bank of America, who appear on my credit file as BK OF AMER numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquire date of XX/XX/XXXX, And listed on me XXXX   report with a inquiry date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contact information I have for this company differs, one is XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX and another is XXXX XXXX XXXX XXXX XXXX Tx XXXX ( XXXX ) XXXX
Product: Debt collection

LVNV and XXXX XXXX XXXX  are both reporting the same debt to my credit report
Product: Debt collection

Have responded to validation letter numerous times. Finally received response on XX/XX/XXXX after receiving letter dated XX/XX/XXXX stating theyd sue me if not paid in full. Response to validation didnt include any information asked for want original credit agreement and statement with what was charged and when. They stated they didnt know what I was asking for. In month of XXXX and XX/XX/XXXX they called XXXX times a week at all hours of the day even after XXXX XXXX central. Spoke to them in XXXX and was swore at and threatened by XXXX different people. They wont prove the debt or what the debt is for. continue to threaten with legal actions without responding to my response of validation letter. Has not updated information with credit bureaus that I am disputing charges
Product: Money transfer, virtual currency, or money service

XXXX is engaged in a deceptive trade practice. They make it clear in their fee schedule that personal transactions between Paypal accounts are not assessed a fee, but the structure of their website deceives the user into sending a commercial transaction by default, where the recipient is charged a 3 % fee. Paypal tech support told me that I was fully informed that the transaction would be charged a fee, but when I went through the procedure to send money, the entire visible part of the webpage was filled with a dialog box instructing the user to select a payment source. Directly underneath that, and visible on the screen, was a " send '' button. Paypal says it was my responsibility to use the scroll bar to make the hidden part of the webpage ( above ) visible so that I could change the default value " commercial '' to " personal '' and thus avoid the fee. It seems obvious to me that this is a design feature, and that Paypal reaps extra fees through this process because of it. When I asked Paypal to cancel the transaction because of this obvious misunderstanding, I was told this was " not possible. '' I believe that Paypal is acting in bad faith, that they can't possibly be unaware of this misleading website structure. My browser was set at default magnification. 

I sent a test transaction of {$50.00} on XXXX/XXXX/2022 to make sure this process would work smoothly before doing a much larger transaction. I informed Paypal of the error and they refused to cancel the transaction. I contacted them by online chat and later by telephone.
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  The above accounts have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however transworld systems picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past few months, I have been trying to get the credit bureaus to remove inaccurate, unverified as well as unknown information that is being reported on my credit report. I get a all account are verified when I know for a fact that can not be true because the Date Last reported never updates. Even my name is spelled incorrectly as well as addresses. Per FCRA 611 ( a ) the credit bureaus have to investigate within 30 days and if not done, should remove all accounts that Are being disputed immediately. I havent heard back from them in over 62 days. This is unacceptable and I will seek litigation if these account are not removed from my consumer report. This is causing me great harm. I have submitted a copy of a credit report that is factual based errors that are highlighted which I havent received a response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to update my credit report regarding student loan information. I do not have a loan with XXXX and they refuse to correct my report. Theyre not verifying and updating. They are just ignoring my dispute.
Product: Debt collection

I want to see if I could negotiate my debt. I have an account from Speedy Cash that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
Product: Credit reporting or other personal consumer reports

I have repeatedly reached out to the credit bureaus regarding the matter of improper reporting and the use of my credit report. They responded that I own and owe the debt which is false!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

16 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Payday loan, title loan, personal loan, or advance loan

I owed {$270.00} on a loan from Oportun. They sent me an email offer stating that if I paid {$98.00}, the loan would be settled and I would not owe anything else. The email explicitly stated : After paying the settlement amount as agreed, you will no longer owe a balance and your account will be reported as CHARGED OFFPAID to the credit bureaus. 

I called the number provided to accept the offer on XX/XX/2024 and made the {$98.00} payment during the same phone call. The man I spoke with told me it would be settled as promised once the payment was processed. The payment was processed and accepted on XX/XX/XXXX. However, Oportun still says I owe the remainder of the loan. Instead of settling my loan as promised, they are still claiming I must pay the rest, and continue to harass me with repeated phone calls. I have attempted multiple times to resolve this, by email and phone, and am getting nowhere. First they said I had to wait XXXX days to make sure the payment processed ( even though I could see it already had ). Now they are saying 30 days and continuing to call me asking for the rest of the balance.
Product: Student loan

In attempting to recertify my income-based repayment plan with Nelnet, I have received misinformation, undue delays, and I am trying to be pushed into unnecessary forbearance.
Product: Vehicle loan or lease

I was trying to work with them and most of my payments in XXXX were marked as late or went unreported and now in early XXXX they repossessed my vehicle without responding to my attempts to work it out with them
Product: Checking or savings account

On XX/XX/XXXX I received my pay check. I tried to XXXX XXXX my babysitter the money she is owed. The transaction was denied. I then logged into pay my power bill which required my bank account number and routing number. I think went to my secondary bank to transfer fund from my current bank account. That transaction was denied due to insufficient funds. I then logged into the chime app to see why and all my funds had been transferred to three random people without my consent. For the total of {$2700.00}. I have disputed these transactions 14 times. I have asked for the documents as to why and they only send me the evidence that I send in.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my Experian 's credit report : US Bankruptcy XXXX Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
XXXX. Failure to Provide Investigation Results : The response I received from Experian vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
XXXX. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
XXXX. Remove Inaccurate or Unverifiable Information : If Experian the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
XXXX. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
XXXX. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX Experian XXXXtates, they get their info from XXXX and US BKPT CT. Both states they aren't reporting this bankruptcy. My question is why Experian still reporting this bankruptcy. It clearly shows Experian aren't not doing an investigation.
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 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 or other personal consumer reports

My account XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Consumer Loan

I believe that I am a victim of predatory auto loan. I was not qualified to get a car at the time that I was looking but the sales people assured me that they would be able to get me a car no matter what. I did not have income at the time of the loan so they used my boyfriends income to make it look like I had a source of income. Is that not fraud? I was in a desperate situation at the time of the loan and I believe they took advantage and knew I was going to be stuck in a loan that I could not afford. My contract was never explained to me and no options where ever presented as far as interest rates, term, etc.
Product: Credit reporting or other personal consumer reports

The part credit bureaus play in the overall financial scene should not be overlooked. Errors can have a cascading effect on various industries, including employment and housing. It follows that maintaining accuracy and integrity is both morally and legally required. Credit bureaus have an absolute duty to uphold accuracy and truthfulness in their role as custodians of powerful information. The adage " knowledge is power '' is especially true in this day and age when knowledge truly is power. But knowledge 's power is heavily dependent on its accuracy XXXX XXXX XXXX  : Regarding your data 's accuracy in light of Metro 2 guidelines, I'm extremely concerned. We must correct any errors or omissions as they may have a negative effect on the report 's credibility. I want you to carefully go over everything and remove any errors as soon as you can.

Ive already completed a FTC report stating that this item was not me. TRANSUNION REMOVED THE ACCOUNT THEN PUT IT BACK ON MY CREDIT REPORT. THEYve never sent any copy of proof or telling how theyve completed their investigation.
Product: Credit card or prepaid card

I have had a Citi credit card for over 20 years and I was informed by them by letter that they are going to transfer my card to XXXX XXXX. I have the Citi XXXX XXXX XXXX XXXX card and they want to transfer it on XX/XX/XXXX to XXXX XXXX and turn it into the XXXX XXXX XXXX XXXX XXXX XXXX. I do not want this transfer to take place, I have not authorized it, and I already have a XXXX XXXX XXXX XXXX XXXX XXXX. I want to keep my Citi Visa card, even if it means having a different kind ( i.e., non-XXXX affiliated card ) with Citi. 

I called up XXXX, Hilton, and XXXX XXXX on XX/XX/XXXX and no one would help me and they all said there was nothing they could do. XXXX XXXX said they would not have access to my Citi details until XX/XX/XXXX and XXXX said I had to talk to the card issuers. 

I then contacted a supervisor at Citi on XX/XX/XXXX called XXXX ( Employee ID : XXXX ) who told me the transfer will go ahead and I ca n't stop it. XXXX told me that it could have been stopped if I had called in XX/XX/XXXX or XX/XX/XXXX but that they did not communicate this to any customer, and kept it secret, and all the literature sent to us only ever mentioned the end of XX/XX/XXXX for the transfer. In fact, Citi only sent an email alerting customers to this transfer on XX/XX/XXXX, which is two months after the XX/XX/XXXX deadline to transfer it. This is very deceptive. 

I complained to the Citi Cards CEO on XX/XX/XXXX by email to XXXXXXXXXXXX. I received a response on XX/XX/XXXX stating they would not help me. I am attaching the XX/XX/XXXX email from Citi and the letter from the Citi CEO. Additionally, the links to the FAQ about this transfer can be found at : http : XXXX and at : XXXX XXXX XXXXXX/XX/XXXX and at : https : //online.citi.com/XXXX XXXX I want this unauthorized transfer of my credit card stopped. And if they wo n't stop this I want compensation for all this distress and hassle it is causing me and I want the company fined for wrongly terminating my credit card and then giving me another one ( an XXXX XXXX card ) that I definitely do not want and did not authorize.