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

Subject : Formal Request to Delete Unverifiable Account Based on XXXX Deletion Dear [ TRANSUNION ], I am writing to formally request the removal of an account from my credit report that has been proven unverifiable. Specifically, the account in question is a {$26000.00} XXXX XXXX XXXX charge-off Account : XXXX that was reported inaccurately. I disputed this account on my XXXX secondary credit report, and after completing their investigation on XX/XX/year>, XXXX confirmed that the account was unverifiable and deleted it entirely from their records. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( Reinvestigation of Disputed Information ), credit reporting agencies are required to conduct a reasonable investigation upon dispute. If an account can not be verified, it must be deleted. XXXX deletion of this account indicates that the information can not be substantiated. Therefore, you are now obligated to take the same action. 
Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure maximum possible accuracy in credit reporting. Reporting unverifiable information violates this obligation. Please remove the XXXX XXXX XXXX account from my credit report within 30 days of receiving this letter. 

If you fail to remove the unverifiable account within the specified timeline, I am prepared to take further action to protect my rights under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. As outlined in 15 U.S. Code 1681n and 1681o, I have the right to sue for damages resulting from willful or negligent noncompliance with the FCRA, including statutory and punitive damages. 

Please provide a written confirmation once the account has been deleted XXXX look forward to your swift resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Party Owed : XXXX XXXX Type of Business : Credit Card Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report by Transunion XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in XXXX. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX violation of XXXX. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with XXXX  and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit card or prepaid card

I am invoking specified remedy as a consumer and the original creditor Zero out any account balance Provide the XXXX XXXX of alleged debt Delete this alleged debt from all Consumers Reporting Agencies Provide an authentic signed contract between you, Collection agency, and XXXX XXXX showing proof that you and XXXX are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX is claiming owed. 

An authentic invoice for goods and/or services you provided
Product: Debt collection

XX/XX/2022 and XX/XX/XXXX XXXX submitted debt verification letter. Received no response to my request to verify the debt.
Product: Credit reporting or other personal consumer reports

Pursuant to the Consumer Report received on XX/XX/2024, the Fraud Alert contains a fraudulent phone number and non-mailable address information. I have previously sent Equifax multiple notices and supporting documentation required to correct this information and Equifax continues reporting false and inaccurate information.
Product: Debt collection

Was notified via credit monitoring my credit report changed. 
BC Services Inc placed 2 collections on my report. 
Called BC Services to get back up, they stated they did not have but was for medical collections. 
Called XXXX First collection {$130.00} Second collection {$100.00}
Product: Credit reporting

Incorrect negative credit claims have been included on my credit report form Experian. The claims are from XXXX XXXX in the amount of over {$6000.00}. 
The negative credit claims do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received updated copies of my XXXX and XXXX credit reports. I noticed a collection account on both of them upon review. I filed a response with the CFPB about the issue and immediately received a response from the collection agency. I received letter in mail from them today, XX/XX/2022 and replied immediately stating that what was provided was not acceptable to validate the date. The letter was sent via certified mail with return receipt and is attached for reference. 

As noted above, their claim is invalid based on what they provided to me. 

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. I demand to know who verified these accounts, and the method of verification. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Again let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Debt collection

XXXX XXXX XXXX appear on my credit report XXXX/XXXX/18, I was never given the oppurtunity to resolve the debt with them before it was added on to my report and they are also not licensed to collect debt here in Arkansas where i currently live.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was 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 XX/XX/year> 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 statemen
t 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXXXXXX XXXX XXXXXXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
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. Loancare : # 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 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. 

Loancare knows this information posted on my credit report is incorrect. 

Loancare can not produce loan agreements with me.
Product: Credit reporting or other personal consumer reports

My credit report is being affected by information that is not XXXX XXXX  accurate and not fully verifiable. I have not received any evidence to justify the reporting of these items.
Product: Checking or savings account

In the process of refinancing a home mortgage. Closing is being held up because Wells Fargo has been stalling in closing a home equity line of credit that has a XXXX balance. This line of credit has NEVER had a balance because it has never been used. I have written and spoke to their bank reps everyday for the last 2 weeks. They keep saying it's being expedited and the process takes 1-3 days... then someone else says 3-5 days ... Their inconsistency and incompetency is costing me time and money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, 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 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 months that are reported late 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i am probably one of the millions whose personal confidential information is part of the breach into equifax. i believe equifax should be held liable and responsible for each and everyone of the upcoming damages coming due to this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion about inaccurate and incomplete information. They responded with a generic letter about third party collection companies. I have a right to dispute my report and they will not remove inaccurate or update incomplete information. I attached proof of the letter they keep sending even though I send my ID and my Social Security card and my Proof of address. Transunion is governed by 15 USC 1681 and they continue to violate my rights. I demand the accounts below to be removed because, According to 15 USC 1681 : I have a right to privacy and I did not give Transunion written permission to furnish these accounts. 

XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXXL with account number XXXX Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 

XXXX XXXX with account number XXXX The date of last payment is wrong. 

XXXX XXXX with account number XXXX Please send me all business and transaction documents to prove that this account was legally verified XXXX with account number XXXX This account was sold but still reports a balance XXXX XXXX with account number XXXX This account was sold but still reports a balance XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX XXXX different dates listed under " date of last activity '' I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name.
Product: Vehicle loan or lease

I have an identity theft report. Trying to figure out how to upload documents
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE : XX/XX/XXXX This is my second dispute WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE REWCEIVED ON XX/XX/XXXX? 

WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of grave concern regarding the accuracy of my EQUIFAX credit report, as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My recent investigation of the Equifax credit report has revealed numerous inaccuracies and incomplete information on the following accounts, and I must insist that these matters be rectified promptly : XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX - Reporting 30 days past due in XX/XX/XXXX, despite no Date of First Delinquency reported. 
- Account Status marked as " PAYS_AS_AGREED, '' raising questions about the 30 days past due notation. 
- Missing information under Delinquency First Reported and Date of Last Activity, causing confusion. 

XXXX. XXXX Account Number : XXXX XXXX - Reporting a balance of {$320.00}, even though the account has been closed/charged off ( balance should be {$0.00} ). 
- Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE '' despite only one instance of 30 days past due in XX/XX/XXXX. 
- A past due amount of {$46.00} is reported on a closed account. 
- Inconsistencies between Date of First Delinquency ( XX/XX/XXXX ) and Payment History ( reporting on-time payments in XX/XX/XXXX ). 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX - Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE, '' despite no late payments indicated in the Payment History. 
- Missing information under Date of Last Activity, raising questions about the account 's status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's that were disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected. 

I have attached to this complaint the original letter mailed off and my only two forms of i.d . 
verifying that this complaint is indeed from me and not a third party.