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

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion of the Following Accounts that have surpassed the 30 days federal law dispute period : To Whom It XXXX Concern, I am writing to formally dispute the accuracy of multiple accounts listed on my credit reports with all three major credit bureaus ( XXXX, Experian, and XXXX ) which I initially started the dispute on XXXX, XXXX, 2024 through CFPB. 

The accounts in question are : 1. USAA FSB 2. USAA FSB 3. US BK CACS These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per Gugger v. USAA Federal Bank, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt.

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX Card and LA XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports.

Thank you for your prompt attention to this matter. 

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

I am attempting to freeze my reporting account and the process is making it nearly impossible to do. Not only is it not possible to contact a rep on the phone or freeze my account on the phone or online, But when i printed out the paperwork to fill it out and mail the notice of dispute form, It asks for my Consumer report number. Which I don't know. I don't know if that is something specific to sagestream or if its something more general. So i went on the sagestream website and attempted to attain my consuer report number from them online. But once I filled out the information the only option was to have it mailed to me! Than I found the contact us link in attempt to email sagestream to ask them to stop holding my consumer report number hostage but prior to submitting the email it asked for my " case number '' Which I do not have! So I was stuck and unable to even send an email. I believe this company is purposely trying to make it difficuilt for people to freeze their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX : Bankruptcy XXXX XXXX  Reference XXXX XXXXXXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

Receiving tons of robo calls from IC Systems regarding a debt that does not belong to me. Please follow-up with police report # XXXX. 

When I asked these people to stop calling they refuse to do so and persist to call on a variety of different numbers throughout the day.
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 XXXX XXXX XXXX. 

XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX  XXXX. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX FIN XXXX Date Opened : XX/XX/2020 Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Mortgage

your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). the lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Money transfers

I used Paypal to purchase XXXX from XXXX. XXXX never sent the XXXX I purchased. I contact Paypal to open a dispute. Paypal reviewed the case and denied my claim and did not allow me to appeal their decision. When I paid for the XXXX purchase it was paid as a good purchased but Paypal processed the transaction as a money transfer.
Product: Debt collection

In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.
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 U.S.C 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX/2017 I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR a DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX ACT # XXXX the company apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).
Product: Money transfer, virtual currency, or money service

I was discriminated against at truist bank XXXX, I believe I was discriminated for social status, youthful look and unkept look due to being busy. I was treated very rude and when I went to cash the check I was held up for over 10 minutes while the teller tried to call the account owner who issued the check for XXXX, in which she did not even tell me she was doing. I was extremely embarrassed, and treated very poorly not even greeted. She treated me like I was a peasant to her this day. I have never had this happen at any other bank even with the amount being more. I feel it was very wrong of her to treat me like a child because I look younger than my age am sometimes mixed up for being a teenager. I could understand verifying an amount larger than a few XXXX dollars or at least telling me she was calling the owner but I was treated completely disregarded and poorly.
Product: Checking or savings account

On XX/XX/XXXX I realized unauthorized charges on my debit card and i called fraud services after work. I talked to two different people, the first I called about a lost card, the 2nd i called about fraudulent charges. When i spoke to one of them, apparently I said I was in possession of the card still. the reason I looked at my Wells Fargo account was because of a denied transaction notification or low funds notification while i was at work. There I saw 10 charges that were unauthorized and immediately after work called and reported it. They denied the claim saying I said i still had the card, so they deemed the charges not fraudulent. I said this must be a mistake can you review the recorded line, 2weeks later I am told the claim is still denied, and am not given access to hear the tape for myself. I reported within 2 days I should be protected agains debit card theft and unauthorized purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Accounts on Consumer Report I am writing to formally dispute the accuracy of XXXX accounts listed on my consumer report. I believe these accounts are incorrect and request their removal. The details of the accounts in question are as follows : XXXX. *XXXX XXXX XXXX XXXX XXXXAccount # : XXXX / XXXX - Amount : {$520.00} XXXX. XXXX XXXX - XXXX # : XXXX / XXXX - Amount : {$140.00} I have reviewed my records and can confirm that I do not owe these amounts. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these accounts. I would appreciate your prompt attention to this matter and a written confirmation of the results of your investigation. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$2200.00}
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation 15 U.S. Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. As stated in 15 U.S.C. Sec. XXXX ( a ), I expect this reinvestigation to be completed within XXXX days of receiving this letter. 

Please provide an updated copy of my credit report to the aforementioned address. According to the law, there should be no fee associated with this updated report. Additionally, I request that you notify any recipients of my credit report in the past XXXX months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.