23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX Account : Account : XXXX  Account was paid in FULLL and deleted from all three Credit Reporting Agency. Experian is the only credit Reporting agency that delete and reappears back on my credit XXXX Account : XXXX This account is in collection with a past due amount of {$1100.00} according to the Metro 2 compliance need to be deleted. 

XXXX Account : XXXX This account is in collection with a past due amount of $ {$7200.00} according to the Metro 2 compliance need to be deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notify by XXXX that a credit card application was being submitted under my name. Follow by a hard Inquiries that I was able to see on the XXXX credit report. I was able to call the bank and advise them that was not me. I also followed up and disputed this with XXXX. 

CapitalOne Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : XXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TransUnion LLC Consumer Dispute XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, NJ XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX, NJ XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX. XXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

I lost my information on the bus after work and one day somone started to usin gmy identify opening accounts and others bc i been getting emails for irs.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. You guys make it nealry impossible to access my report My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and saw these inaccurate accounts. I am requesting that Experian reinvestigate these accounts on my credit report the right and correct way.
Product: Credit card or prepaid card

Back in 2015 I had just opened a XXXX credit card account after a few months my mother got critically ill do to XXXX my credit card was still opened but I had stopped payment the card company called I set up payment arrangements the agreement was I pay the account off and the account would be in good standings. I set up auto pay and they received all moneys owed at the last payment the card was closed by creditor and the account was placed on my report as closed by creditor and charge off. This was not agree upon nor was I promised this during payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

In XX/XX/2017 I switch cell phone companies. From XXXX XXXX XXXX to XXXX. I attempted to contact XXXX XXXX XXXX   several time within 14 days of my switching carriers to return the phones from my plan. I was not successful in receiving return labels or getting a call back/follow up from their customer service. The account was sent to collections, I paid the balance of my final bill to the first collection agency that was assigned. I also made the first agency aware my attempts to return the equipment and received no help. The agency was supposed to document the issue and get back to me with a resolution. That never happened, they have now sold the account to this new collection agency. The new collection agency has placed this derogatory mark on credit without attempting to resolve the equipment return issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/year> and a balance of {$810.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Debt collection

Subject : Request for Debt Validation Dear TrueAccord Corporation, I am writing to formally request validation of the alleged. debt associated with account number XXXX as noted on my XXXX credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I have the right to request detailed information regarding this debt, and I expect a thorough response. To properly validate this debt, please provide the following information : 1. Bill of Sale - Documentation showing the transfer of this debt from the original creditor to your agency, including a complete chain of title.

2. Date of First Delinquency- The exact date when this account first became delinquent.

3. Date of Last Payment- The date of my last payment made towards this account.

4. Payment Statements- All statements from XXXX detailing payments received and missed, along with information on any late payments, so I can verify if the account is being reported accurately.

5. Signature on Original Contract - A copy of the original contract that shows my signature and legally binding agreement to pay this debt.

6. Insurance Claims Any information related to an insurance claim filed concerning this debt.

7. Licensing Proof - Proof of your licensing to collect debts in the state of Ohio.

8. Forward Flow Agreement - Any agreements related to the forward flow of this account from the original creditor to your agency.

Please note that if you are unable to provide all of the requested documentation, I will consider this account invalid and will request that it be deleted from all credit reporting agencies. I expect a timely
response to this request within three days from today 's date ( XX/XX/year> ), as mandated by the FDCPA. I kindly ask that you send all documentation to my address or through the CFPB portal as attachments.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I purchased bus tickets through a public transportation app using my capital one card and was charged a {$10.00} cash advance fee for each transaction : XX/XX/21 : {$3.00} bus ticket XX/XX/21 : {$1.00} bus ticket XX/XX/21 : {$3.00} bus ticket The cash advance fees did not post until XX/XX/21 ( {$30.00} in total ) nor was I informed at the point of purchase that such a fee would incur. 

I called Capital One to ask the charges to be removed and they refused, claiming the purchase was a wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with Experian in regards to their inaccurate and inconsistent reporting of an auto loan on my credit report. On XX/XX/XXXX Experian sent me a letter saying the information has been updated. Only to find out the information reported by Experian is still inaccurate and inconsistent. Experian has balance of {$17000.00} when the creditor has a balance of {$13000.00}. I have been constantly disputing this inaccurate and inconsistent account with Experian and they have yet to delete this inaccurate account which is a violation of the law. As of XX/XX/XXXX this inaccurate and inconsistent account still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  account was paid and they are refusing to update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to Experian, XXXX, XXXX, i have uploaded my letter in regards to this file.
Product: Checking or savings account

A check was deposited for the amount {$5000.00} on XX/XX/2023 in my account it was cleared and on XX/XX/2023 bank closed my account and said you will get this money by cashier check in the mail. Now its more than a Year and bank is saying that we will send this money back to sender but after visiting branch many times banks is not sending money back. I want this money back to me or sent back to the sender. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. Please help us to get our money back. Thank you My Details : - Company Name XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report 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. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 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 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to change and add personal statement.
Product: Debt collection

i recently obtain my credit report due to covid 19 and notice accounts i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute the items below via TransUnion 's site however I was presented with " Unable to Complete Your Request '' ( see attached ) screenshot. My TransUnion Credit File # XXXX shows 'Month and year that this item will be removed : XX/XX/2020 ' on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX/XXXX # XXXX ; XXXX  XXXX # XXXX. Under the FCRA I have the right to dispute incomplete or inaccurate information and Consumer reporting agencies may not report outdated negative information ( see attached ). Based on these facts the trade lines listed above must be removed from my credit report. Attaching my passport information as proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get funding for my business and these inquiries are negative on my profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly, I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX requested closure of account at USSA for the third time. I tried transferring the funds to a retirement account/new banking account wire transfer and XXXX to keep misappropriation of funds transactions occurring to XXXX. The calls were long and repetitive. Upon making the transfers out of the account the funds were rerouted back to the USAA account where other unauthorized ACH transfers occurred resulting in NSF fees. I did not make the transfers. USAA was investigating bill which I had paid and not the issue of rerouted funds and they do not respond to their XXXX email. There was no answer as to how or why there were misappropriated funds to another bank account. They just stated they recovered it and still refuse to close the account. Their reason is there must be a 24 hour period of no transactions to close the account. There are unauthorized transactions, I have no control. I have had more issues with USAA representatives, ongoing. Question of quality and standards of the security. At times as strict and on cue as I wish for it to be and then one day, a representative will help me with auto and checking and give me a new pin to reset my pin. I once told a rep someone has to be changing my pin and password to access accounts. I closed out a life insurance policy of 13 years for XXXX due to the fact I wanted to leave USAA completely with the thought someone had been accessing my personal information. Once a representative thanked me for being a member for 22 years, how long I was married, recently divorced. I have only been a USAA member for 18 years at best at the time she mentioned it which raised so many red flags. I have tried to bring clarity and let the representatives know to stay on top of the process. I had been going without a pin for so long until I changed wireless service recently. Thank you for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  with XXXX Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my XXXX. In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my XXXX  account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone XXXX XXXX with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my husband, and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.