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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Date** XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Formal Dispute of Incorrect Transaction Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of a transaction reported on my credit file. This reporting violates my rights under **15 U.S.C. 1681i ( 7 ) **, concerning what the procedure was that they used to validate the information. The transaction in question is as follows : - **Credito
r Name : ** XXXX XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX Under this statute, consumer reporting agencies are restricted in how they may use and disclose consumer information. If a transaction is not associated with a permissible purpose or is otherwise unverifiable, it must be promptly excluded from my file. 

Additionally, the precedent established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supports my demand. In this case, the court emphasized the importance of strict adherence to the permissible purposes outlined in the FCRA. Any deviation from these requirements constitutes a violation of federal law. 

Accordingly, I demand the immediate removal of the disputed transaction unless XXXX can provide documented evidence of its accuracy and a permissible purpose for its inclusion. Failure to comply will result in further legal action to protect my rights under the FCRA. 

Please respond in writing within the statutory time frame. I expect either confirmation of the deletion or a detailed explanation of the evidence and permissible purpose relied upon. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Set up a payment plan in XXXX of 2023 and submitted a few payments but my credit report was never updated to a positive standing. They collected money from me but kept the balance at the same amount. So this is fraudulent.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Bankruptcy Reporting Due to Non-Reporting by Georgia XXXX Bankruptcy Court To Whom It May Concern, I am writing to formally dispute the bankruptcy information reported on my credit file. According to my records, a bankruptcy case from the Georgia XXXX Bankruptcy Court is currently listed on my credit report under the account associated with **Case Number XXXX. However, I have confirmed that the Georgia XXXX Bankruptcy Court does not report to the credit bureaus, meaning the information appearing on my report was not provided by the court itself. 
Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the Georgia XXXX Bankruptcy Court does not report bankruptcies to the credit bureaus, the inclusion of this information on my report is **unverifiable and must be removed immediately**. 
Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses.

- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information. 
Because this bankruptcy information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities. 
I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal. 
Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of **30 days** from the receipt of this letter.

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

They transferred a lease to my name when I no longer lived there. The lease was never in my name. It was originally is someone elses and they put the debt in my name. I never signed anything. They showed me a paper that has my signature, it just didnt come from me. I have never had this place as my address.
Product: Debt collection

I leased a XXXX from XX/XX/XXXX to XX/XX/XXXX. I turned it in and completed the payments. 

Starting sometime in XXXX I began receiving dunning e-mails from : XXXXXXXX XXXX XXXX XXXX Text included : Your XXXX XXXX XXXX XXXX Final Payment Is Overdue VIN : XXXX You have an overdue payment of {$4800.00} associated with your XXXX XXXXXXXX XXXX  XXXX Verify your payment details and make payment now. You can review a breakdown of charges in the Previously Owned section of your XXXX Account. 

I move those e-mails to trash automatically. 

Today, however - XX/XX/XXXX, I received a telephone call from " XXXX XXXX '' and " XXXX XXXX '' at ( XXXX ) XXXX XXXX. Both insisted they were collecting my outstanding debt. Both stated that they work for : McCarthy Burgess & Wolff, in XXXX Ohio. They had all my personal information associated with XXXX. 

Because they have now moved from annoying e-mails to potentially harassing phone calls, I humbly request that you get involved as soon as possible to have them cease and desist such phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint in response to the recent investigation. I do not agree with your findings, and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors or agencies that are reporting this information on my report, and because of this, I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} ; 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} ; XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX-XXXX XXXX  Account # XXXX, XXXX Account XXXX XXXX has violated my rights. 

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
Product: Mortgage

A short sale request has been placed with US Bank - and they have not made a response in over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the XXXX XXXX Accounts ending in XXXX and XXXX from my consumer report. I am choosing to opt out of further reporting as this account is private and nonpublic information that should not be reporting to non-affiliated third-party agencies pursuant to 15 USC 6802 . In addition, pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit shall be EXCLUDED from a consumer report.

The Gram Leach Bliley Act states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Student loan

Was told that interest accrues daily, and that 's why my additional money is not going to principal. I have been paying the amount required plus extra for several months. The breakdown of money application on the reverse side of each month 's statement does not show anything about additional money being applied to the then current principal.
Product: Checking or savings account

Some one has opened accounts in my XXXX XXXX XXXX sons name without my permission. The chase website says that my XXXX XXXX XXXX son is a current customer. My assumption is that a close family member has opened this account without my knowledge. if you can provide any documentation as to when the account was opened, signature card, current balance and direct deposit information. I have copies or his birth certificate and social security card if needed. SSN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 41 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 41days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell the credit bureaus 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 extortionXXXX 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 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: Debt collection

Despite several written requests to United Revenue Corp, the unverified item still remain on my credit report. I have been dealing with them for over a year and they have come back to state that they have verified the item and it is indeed mine, also that my claim is frivolous. I have written to them ( United Rev ) to show proof of verification, also who verified it? They have not done so and I have been more than patient with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove XXXX XXXX XXXX from my credit profile. On XX/XX/2023 I was told by several Experian representatives that Experian is still internally investigating my dispute with XXXX and that they would be finished by XX/XX/2023. Later I received an email saying they validated the dispute and they will continue to report the fraudulent account on my credit profile. Misrepresentations about the debt, including the amount owed is illegal and in violation of my consumer protection rights. Its been past 30 days and the company has not furnished any documentation proving the amount they are claiming I owe. I have enclosed documents they keep furnishing to the credit bureau which is not a valid billing statement of the amount they are claiming I owe. In the documents it shows multiple different amounts that they are attempting to collect from me, no documents from XXXX stating that the balance theyre reporting is owed by me.
Product: Checking or savings account

I attempted to order a cashiers check which can only be done online on the Capital One website of mobile app. Neither of these options were functional ( kept receiving an error message saying We ran into a snag. Please try again later. Customer service was unable to help resolve the technical issues. I tried to wire transfer funds to another bank and the website wouldnt allow that either. I asked the customer service manager to wire the funds for me so that I would have access the funds same day and she instead did an ACH transfer so now I dont have access to the funds until they clear the other bank. 

I was given wrong information and I dont have access to my money!
Product: Mortgage

ovement Mortgage servicing received my correct final payoff value on XX/XX/XXXX. Still took out an unnecessary automated payment I had called to cancel on XX/XX/XXXX. I then reached out to them to confirm that they would return any overpayment and remaining escrow amount within the required 20 days. They confirmed and said it would be returned electronically, I then provided them with my updated address as with my mortgage paid off I was no longer at the home associated with the mortgage loan. 

On XX/XX/XXXX they issued the funds in the form of a check ( I would later learn ) addressed to my old address when I reached out to them on the XXXX they confirmed the error. I was told they would stop payment and issue a new check and send it to my correct address which they already had on file. I called today, XX/XX/XXXX, to check the status and was told that not only had a new check not been issued but it would not be and that they had an additional 30 days to release my funds. I was denied the opportunity to speak with anyone else and told a manager MAY choose to contact me sometime before XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling my disputes, particularly in of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

LVNV. WAS PLACED ON MY CREDIT. IN XX/XX/2019. I DIDNT OPEN THIS ACCOUNT. I HAVE REQUESTED TO GET THE CONTRACT FOR THIS DEBT. IT IS REPORTING DIFFERENT ON ALL THREE CREDIT BUREAU. I ASK FOR THE DEBT VALADATION. MY IDENTITY HAS BEEBN BREACHED ON XXXX. AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting accounts open that are closed and was included in bankruptcy chapter XXXX. I have reported this information to them several times and its still showing on my credit report. This accounts were showing closed and discharged under chapter XXXX however it appears they show accounts open again which is inaccurate information. Thi was reported several times in XX/XX/XXXX and XX/XX/XXXX with no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was an inquiry from XXXX on my credit report. 

Following the inquiry, in XX/XX/XXXX, my credit report shows a XXXX account opened. 

I've never applied for or requested any type of line of credit with this bank/retailer. 

I contacted XXXX, on XX/XX/XXXX to request that the account be closed and they advised that if I didn't request the account, a fraud investigation would need to be initiated first before the account would be closed. 

The following week, I followed up with them and they advised that no fraud activity was detected. I believe this investigation was based on usage. No one used the account. But that wasn't the request or concern. The concern was that there was an account established in my name and social that I NEVER requested. And the account should have been closed immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXXXX/XX/XXXX
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  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, has violated my rights. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Complaint Regarding Account Suspension by Ally Bank Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Ally Bank regarding the suspension of my accounts. 

On XX/XX/year>, Ally Bank suspended my accounts without providing a valid explanation. Prior to this, I had opened new XXXX accounts with XXXX XXXX XXXX for my rental properties and transferred funds from Ally Bank to these new accounts. Just XXXX days later, my accounts with Ally Bank were completely suspended, rendering me unable to access my funds or pay my bills. 

I have provided all necessary documentation and information regarding the opening of my new credit union accounts to Ally Bank for review. Despite my compliance and repeated efforts to resolve this issue, I have only received inconsistent and odd explanations from Ally Banks fraud representatives. 

I have been an Ally Bank customer for over 10 years and have always maintained a good standing. I have called their customer service phone number several times, waiting on hold for upwards of XXXX hour at times, only to be told after many attempts that my accounts need further review. 

This situation is causing significant financial strain as I am unable to make monthly payments that are due. I am urgently requesting your assistance in resolving this matter with Ally Bank to lift the suspension on my accounts and restore my access to my funds. 

Thank you for your attention to this critical issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Attached to this complaint is a copy of the check that was sent to Associated Bank. I currently have a close checking account with Associated Bank but I have a past due balance on the closed account. XXXX XXXX sent a check to Associated Bank to cover the past due balance I owe Associated Bank. I want Associated Bank to credit my closed checking account showing the past due balance is paid in full. Full Name : XXXX XXXX XXXX, DOB XX/XX/XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the state in XX/XX/XXXX I owed a balance. The balance was paid and shown paid off as of XX/XX/XXXX as the money was taken from my taxes. 
Lien was placed on my credit report, however account has been documented as satisfied. I contacted IRS to have this removed they advise they do not handle removal of liens and to contact my credit bureau I contacted credit bureau and they advised not sure if it can be removed would be escalated to resolution team and i would receive a response in 30 days. It has been well over 30 days.