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

Subject : Dispute of Inaccurate Personal Information To Whom It May Concern, I am writing to formally dispute inaccuracies in the personal information section of my XXXX credit report. Upon review, I noticed misspelled variations of my name and addresses listed on my report that are not mine. These inaccuracies are not only misleading but also raise concerns about the accuracy and security of my personal information. 

Requested Corrections : Misspelled Names : Please review and permanently delete any misspelled or incorrect variations of my name : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Incorrect Addresses : Remove the addresses listed on my report that are not associated with me or my current residence : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX My actual and correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), XXXX is required to maintain accurate consumer information. Reporting incorrect personal information violates this obligation. Additionally, 15 USC 1681i ( a ) ( 1 ) grants me the right to dispute and request correction of inaccurate or unverifiable information on my credit report. 

Requested Actions : Conduct a thorough investigation into the reported inaccuracies.

Permanently delete any misspelled names and incorrect addresses from my credit report.

Provide me with a copy of the updated report confirming the corrections.

I have attached a copy of my government-issued ID and proof of residence to assist with your investigation. Please resolve this matter promptly and notify me in writing of the outcome within the 30-day period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bread financial is supposed to resolve billing issues before 90 days. 
My issue started and I complained in XXXX of 2022. 
Its been almost a year I want my all my accounts w Comenity/ Bread Financial CLOSED. 
And I want all fees and interest charged to me REFUNDED since no employee of Bread or Comenity could access this account ending in XXXX so I was never able to even pay it off until they figured out the mess they caused.
Product: Mortgage

My home was foreclosed before I had the chance to pay the past due. I never got to have my full 37 days to correspond. I am attaching more supporting paperwork to say that my home was taken from me before I could respond after speaking with Carrington Mortgage. Again, another home taken from a Service XXXX Veteran.
Product: Payday loan, title loan, or personal loan

Every month when I called LendingClub to make my payment they don't post the payment with the same day I called to make my payment if the payment is within the cut off time. I submitted plenty of complaints and ni one called me or sending a resolution of the complaint. O letter no calls. Nothing. 

Recently i called and they advised me that i have a payment that was applied to principal because I paid before the due date. I request the payment to be reversed and apply the payment to the current month but they advised they are not able to do that. 

Also because of the poor customer service asked for a supervisor and they informed there is no Supervisors available. This is no the first time this happened.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : XXXX am writing to dispute the following incorrect information on my credit report : 15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803. 
15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional XXXX years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit re ports (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n ot be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order Please rem ove these inquiries from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX- {$740.00}. 
XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX for $ {$730.00} ( charge off ) and XX/XX/XXXX, {$980.00} date of last report. 

XXXX XXXX XXXX : Acct # XXXX - Amount past due {$96000.00} XXXX XXXX XX/XX/XXXX past due XXXX. 

XXXX : Acct # XXXX - Date of 1st delinquency XXXX XXXX. Date 1st reported XX/XX/XXXX for {$1100.00}. 

XXXX XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date first reported XX/XX/XXXX - {$490.00}. Last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$540.00}. Date of delinquency XX/XX/XXXX. Date first reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$210.00}. Date of delinquency XX/XX/XXXX, Date closed XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$570.00}. Date of delinquency XX/XX/XXXX, date 1st reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date last reported update. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$250.00}, date of delinquency XX/XX/XXXX, Charge off, last reported March 330, 2018. 

XXXX XXXX XXXX : Acct # XXXX - Date of 1st delinquency XX/XX/XXXX, date first reported XX/XX/XXXX, charge off {$540.00}, last date reported XX/XX/XXXX. 

XXXX XXXX : Acct # XXXX - date of delinquency XX/XX/XXXX charge off {$1800.00}. Date first reported XX/XX/XXXX, last date reported XX/XX/XXXX. 

These have violated my rights. 

15 USC 1681 section 602A states I have the right to privacy. 15 USC 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USCs-2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I checked my Transunion credit report and found all of my inquiries to be deleted. I logged in today to check my credit score and all of the inquiries are back and my credit score went down : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were deleted ; they need to be taken off again. I did not receive written notification within five days as per the FCRA rules ... therefore, Transunion is in violation of the law.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : CAINE WEINER Account number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Experian charged off the XXXX XXXX account # XXXX. Its reports XXXX Now XXXX XXXX XXXX not issue the 1099-c to me. It is now considered a certificate of indebtedness. A charged off debt is now considered income according to the IRS publication. Income can not be reported on my profile. I have sent XXXX XXXX XXXX XXXX my opt out form which is attached. Please update the account and payment history as paid as agreed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that you are required to reevaluate these items with the respective creditor responsible for their inclusion. Please eliminate any information that the creditor can not verify. I am aware that 15 U.S.C. Sec. 1681i ( a ) stipulates that this reinvestigation must be completed within 4 days from the receipt of this letter. 
Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no cost associated with obtaining this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months of the necessary corrections. 
Thank you for your attention and assistance regarding this matter. Yours sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

MY BALANCE INFORMATION IS INCORRECT ON MY XXXX XXXX  ACCOUNT ENDING IN XXXX AND XXXX XXXX ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried multiple times to apply for a capital one credit card and it came to my email. So when I check my XXXX account my credit score ( XXXX ) disappeared. I called XXXX, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called capital one they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in capital one. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 Section 1681a- Definitions ; rules of construction- Exclusion. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant.

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate.

Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Credit card or prepaid card

In XX/XX/XXXX, complained to citibank fraud department to clear an annoying fraud alert that kept popping up in online account -saying to call them. Cleared it numerous times, but the " banner '' never left. After complaining to some woman on phone who did not seem competent in her job and kept asking the same information repetitively, all my accounts were closed. 

I received letter dated XXXX XXXX for account ending XXXX that all accounts were being closed for a vague " following a recent review, Citibank has chosen to close your accounts. As stated in terms ... ..Our decision was made following the results of a review of bank information and records. '' This closure was for 8 credit cards and a bank account. 

There is no valid reason stated - just vagueness. There is nothing that I can conceive was an issue but retalitory action of this employee. Nothing was shared with me. All payments across all credit cards had been 100 % timely across entire credit report. And the relationship with Citibank has been over 5 years without any missed payment. 

Per Citibank policy and per their letter, dated XX/XX/XXXX asking for further inquire. As of XX/XX/XXXX, I have received no response. 

Not only has complaince been vague and avoiding facts, they have acted in a manner that is retalitory and likely against banking law. 

I request the someone in their legal department investigate and provide clear feedback, likely ending in the opening up of all accounts. 

In addition, I attempted to open a trust account for over $ 2million dollars in the summer of XXXX and it was a disaster. Citibank sent letter of apology and nothing was executed. They seem short staffed and ill equiped with technology to address client concerns in a timely and professional manner. There was a lack of follow up and taking of responsibility. 

In addition, they never rebated the credit card fees that I paid. I believe {$390.00} + {$95.00} + {$95.00} + {$95.00} XXXX. They stole that money without refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and XXXX XXXX XXXX, XXXX,, Pennsylvania, XXXX. I sent the same Billing Error Dispute notice to XXXX XXXX XXXX XXXX authorized signatory, XXXX XXXX at Bank XXXX New York XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, New York, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX Bank. 

Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 

My recent XXXX, XXXX, and Transunion consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed. 

Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX  in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 

However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, XXXX, and Transunion, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX  received a Billing Error Notice and this account should be reporting as open, current, with no late payments, zero debt utilization, zero past due, and paid as agreed. The disputed amount may have change since the date of the dispute notice. Im disputing the most recent amounts reported and furnished.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected nor removed
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.