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

XXXX XXXX XXXX, equifax, XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Information under Section 1681o - Civil Liability for Negligence Dear [ Creditor/Reporting Agency 's Name ], I am writing to dispute certain information on my credit report, which I believe is the result of negligence on your part in failing to comply with your duties under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 
I have reviewed my credit report and identified inaccuracies that I believe were caused by errors or failure to properly investigate disputes as outlined by the FCRA. Despite my previous attempts to resolve this matter, it remains unresolved, and I am concerned that your actions, or lack thereof, have caused harm to my credit profile. 
Under Section 1681o of the FCRA, I am entitled to seek damages for any negligence in the handling or reporting of my credit information. As such, I request that you immediately : 1. Investigate the disputed items thoroughly, ensuring full compliance with all reporting standards set by the FCRA.

2. Correct any inaccuracies or remove any erroneous information that was reported negligently.

3. Provide me with written confirmation of the results of your investigation and any corrections made to my credit file.

4. Cease reporting inaccurate information that does not meet the legal requirements of the FCRA.

Please treat this letter as formal notice of my intent to dispute this information, and I request that you correct these issues promptly to avoid further civil liability under Section 1681o. 
I expect a response within 30 days, as mandated by the FCRA. If this matter is not resolved to my satisfaction, I will consider taking further action, including seeking damages for any harm caused by this negligence. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

My ex-fianc and I share a joint checking account with TD Bank. We are no longer together, and I need to remove my name from the joint checking account. On XXXX XXXX, 2017 I went to a local TD Bank branch and requested for them to remove my name. The customer service rep told me the only way to remove a name is if the account is closed completely or I XXXX. This rule is the banks internal protocol and not a federal mandate. My ex-fianc has had this checking account since she was XXXX years old, and her direct deposit and numerous automatic payments are set up with this account. At this point, it is easier for me to die than her to close the account and redo all her things.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 8. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

Despite exhaustive efforts and substantial evidence of identity theft provided to XXXX, XXXX, and Equifax, the fraudulent accounts listed above remain on my credit reports. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the obligations to conduct a proper investigation and to correct inaccuracies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I am gravely disappointed by the lack of transparency regarding the steps your agency took to ensure the accuracy of the items in question under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency must provide a detailed description of the procedure utilized to ascertain the accuracy and completeness of the information to the consumer, as mandated by paragraph 15 USC ( 6 ) ( B ) ( iii ). This includes disclosing the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available, within 15 days of the consumer 's request for such information. I hereby wish to express my deep disappointment regarding the current situation with my credit report. It has come to my attention that despite my previous notifications and demands, the erroneous items that I have reported as a result of being a victim of a Data Breach/Identity Theft are still present on my credit report. I have taken the necessary steps of contacting both your company and the Federal Trade Commission, providing all pertinent information, and filing an FTC Report as proof of my grievances. You must take immediate and decisive action to rectify this matter. I demand that you block and remove all inaccurate information from my credit report as well as provide me with an updated copy without delay. I trust that you will treat this matter with the seriousness it deserves and address it promptly. We appreciate your prompt attention and cooperation in resolving this matter by the law. 

XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Checking or savings account

I am filing this complaint dating back to XXXX to present. On XXXX I had been in an accident and was hit by a deer. I filed the accident with my car insurance, XXXX, I had also found a body shop who was ready to fix the damage in XXXX of XXXX. When I received the insurance check of XXXX I went to the bank to deposit the check to pay the body shop. I had never dealt with insurance check before and I had thought that was the appropriate way of handling things. Once I placed the check into the ATM on XXXX, a hold was placed on the check for missing an endorsement from my XXXX, XXXX XXXX XXXX. On XXXX the funds were taken out my account for lack of endorsement. I NEVER had access to any of the funds. I contacted XXXX and XXXX XXXX stated the funds had cleared from their account on XXXX and no refund to them from Regions has been made. I have been in contact with the Branch manager, XXXX, at the XXXX XXXX XXXX in XXXX, TN multiple times and haven't gotten a clear answer on why the funds are not able to be released back to XXXX. I used to bank with Regions and do have a joint account balance with my husband of XXXX that has since been shown on my husbands credit report. I have asked XXXX if I were to pay the remaining balance due if the check could be released and he stated, ' I do not know. ' I am unsure why this insurance check is being held in an internal account as I have been told. My vehicle has been completed and ready for pick up since XX/XX/XXXX. I am currently without a vehicle as my 2nd car is no longer drivable. The body shop has stated they will start charging a daily storage fee as it has been 90 days now. I have done everything to try and resolve this matter and I am just wanting my car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a right to privacy.
Product: Vehicle loan or lease

On or about XX/XX/2018 I sent written correspondence to First Investors providing clear instructions on how my future over payments should be applied. First Investors has failed to acknowledge said letter and apply subsequent over payments as instructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I requested Experian to Block the following accounts per FCRA XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Balance {$7200.00} XXXX acct # XXXX XXXX  Balance {$11000.00} XXXX XXXXXXXX Business Acct # XXXX I provided all required documents per FTC, including an affidavit of identity Theft a signed govt report of Identity Theft and a copy of My credit Report identifying each account. I even had all the documents notarized.

In Experians responses they never answered the primary question ; whether they blocked any of the accounts listed above. Therefore I will ask it again and to prevent Experian from any confusion, narrow this complaint down to just one question. 
Lets make this as simple as possible. 
I want to know and Experian is required to provide me with an answer, did Experian ever block any of the accounts listed above and if so, when did they block those accounts?
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  Account Number:XXXX has violated my rights. Or a 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 or other personal consumer reports

Subject : Violation of FCRA - Improper Reinsertation of XXXX Account Dear Experian Representative, I am writing to formally dispute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) regarding the reinsertion of a previously disputed XXXX account into my credit report. Specifically, the account was reinserted on XX/XX/year>, and I received a notification letter on XX/XX/year>. The letter itself is dated XX/XX/year>. As per FCRA regulations, you failed to comply with the stipulated timeframe for notifying me of this reinsertion.

According to Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), a consumer reporting agency must : Notify the consumer within five business days of reinserting any previously deleted information into their credit report. 

Ensure proper certification from the data furnisher that the information is accurate before reinsertion. 

You failed to meet this legal requirement, as I did not receive timely notification within the mandated five-business-day period. This constitutes a clear violation of my rights under the FCRA.

Furthermore, the FCRA specifies that such violations may result in the permanent deletion of the disputed item. I demand the immediate and permanent removal of the XXXX account from my credit report in accordance with FCRA law. 

Additionally, under Section 616 and Section 617 of the FCRA, willful or negligent violations of the Act entitle the consumer to seek damages of up to {$1000.00} per violation in addition to court costs and legal fees. While I am within my rights to pursue legal action for this violation, I am willing to forego a lawsuit if you comply with my request to permanently delete the XXXX account from my credit file. 

Please treat this matter as urgent and respond to my request within 15 days of receiving this letter. Failure to act accordingly will leave me no choice but to escalate this matter further. 

I look forward to your immediate compliance and confirmation of the removal of this account. Please send all written correspondence to the address listed above. 

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

Everytime I try to get a credit card im never approved im asking to dispute all of my debits and try to figure out how and why I ca n't get approved for anything please help XXXX email XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX  pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX  on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from American Express pulled my credit report. I am a vicitim of identity theft. I called American Express on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX  )
Product: Debt collection

Mercedes Benz is alleging I owe a debt that is incorrect. The lease agreement between me and Mercedes Benz acts as the security/collateral of this agreement. XXXX XXXX XXXX XXXX is the depositor bank that is deposited the note and transfer it for payout of the principal from the Treasury Department. Federal law states banks are transfer agents and only transfer securities from one institution to the next. Furthermore this contract that is the note is being traded to raise capital. According to the IRS publication I am entitled to equitable interest and principal balance of this account and Merced Benz is res

ponsible for the taxes. The Federal Reserve Act also states that the security is the collateral and banks are barred from using anything other than notes, drafts, bills, and money order for collateral so issuing this contract and being deceptive by stating I needed to pledge my private property for this loan made it unconscionable.
Product: Credit card or prepaid card

I PURCHASED A TRIP PACKAGE THRU XXXX XXXX FOR XXXX ON XX/XX/XXXX FOR A TRIP TO XXXX ON XXXX XXXX  I DIDNT RECEIVE AN CONFIRMATION OF THE TRIP I CALLED CHASE CREDIT TO LET THEM KNOW I BELIEVE I WAS SCAMMED THEY STARTED A FRAUD/DISPUTE WHICH I NEVER HEARD BACK FROM CHASE OR XXXX XXXX I CALLED CHASED EVERY WEEK AND THEY KEPT SAYING THEY GON NA REACH OUT TO THE COMPANY TILL THIS TODAY THEY HAVENT GOTTEN ANY RESPOND FROM XXXX XXXX THEY KEEP CLOSING MY DISPUTED BUT THEY DONT KNOW WHY IT HAS BEEN CLOSED THEY HAVE GAVE ME XXXX DIFFERENT DISPUTE CASE NUMBERS.. WHICH THEY HAVENT EMAILED ME OR SHOWN NO CONCERN OF THE PROBLEM,, I SUBMITTED EVERYTHING THAT WAS ASKED OF ME AND YET IM STILL PAYING INTEREST RATE FOR A PRODUCT I NEVER RECEIVED, ,I CALLED THEM XX/XX/XXXX AND EXPLAINED I STILL HAVENT RECEIVED ANY CONFIRMATION AND I WAS TOLD CALL BACK AFTER THE DATE WHICH I DID XX/XX/XXXX AND THEY GAVE ME ANOTHER DISPUTE # SAYING IT HAS TO GO TO A SUPERVISOR I BEEN DEALING WITH THIS SINCE XXXX AND I REFUSE TO PAY FOR A TRIP THAT I HAVE NOT RECEIVED!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Mortgage

American servicing company is the servicer for Wellsfargo. I 've been trying since XX/XX/2008 to get a home loan modification and I keep getting the merry go round treatment. For some reason, my paper work keeps getting lost, or THE time ran out to apply or I make to much money or too little money. What is more, ASC assigns me with a home loan preservation officer, who supposed to handled my loan modification application, who always like clock work gets moved to a different office and location allegedly, just before I 'm supposed to get a decision on whether or not I was approved for the modification loan. This routine is systematic act. And, the new Preservation officer allegedly never knows what went on before they take your case/application.
Product: Credit card

Im requested that the inquiry from XXXX XXXX be removed and deleted the date on the account is from XXXX XXXX XXXX ii did not give permission for them to run my credit.
Product: Credit reporting or other personal consumer reports

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Again, Transunion has not properly provided verification of method of verification. You cant verify through a data furnisher! You all have not verified anything! This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,
Product: Credit reporting or other personal consumer reports

I looked at my credit report and saw that I have a late payment. However they are reporting this late payment and it is inaccurate. I sent a letter trying to fix this problem but I haven't seen ant updates. 


I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they did not. This is a violation of my federal right. Can you help with this matter. 

I sent a Certified letter Tracking number is XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

I had opened a XXXX credit builder account early last year starting in XXXX  to help build my credit score back up, they had sold my loan off to a debt collection agency, breaking the terms of the agreement. 

The loan was financed at {$4000.00}, with {$2000.00} being given to me upfront, with the other {$2000.00} being locked into a savings account with interest. I would gain the {$2000.00} after the payoff of the loan. 

XXXX not only sold off the loan to this company, they broke the rules and agreement I had made with the company in terms of payment. The new company the loan is a part of, Systems & Services Technologies ( Part of XXXX ), said I was XXXX dollars past due on my payments, when my statements show I have made every single payment I was supposed to make over the entire year of XXXX, in XXXX I had made a late payment to XXXX but it was taken care of and reported as current. After the transfer, I was not informed of the transfer, nor did XXXX tell me or let me know that the account was being transferred to another agency. According to the FCRA, loan transfers must let the person know that it was transferred, which I was not. Not only this, the payment agreements were every two weeks on the XXXX I get paid, this is currently not happening, and my payments are being taken out on the weeks and days I do not get paid. The accounts on my credit score also are currently being reflected as two different accounts, one being closed and the other being SST reporting that I'm past due 60 days when I have no past due payments in the system. If there were any past due payments that just so happen to have randomly popped up in my two years of payment, I was not informed nor aware by XXXX or SST.

After calling the company they refused to tell me where the missing payments were coming from and after finally pressing they told me months I had already made payments for, with these also being the months the loan just so happened to be transferred over to SST. These missing payments were not reflected on SeedFi and only showed up after the loan was transferred to SST, with multiple people saying the same thing happened to them. 

In my account summary it currently says my payoff balance is {$2500.00}. The original loan amount is {$4000.00}, with all my current payments made for the year, I still do not understand how I'm being reported as 60 days past due when I have made all my payments for the year. This loan is predatory and the companies involved are predatory, there have been multiple reports to the XXXX  and on various websites about " missing payments '' that have randomly popped up for people, people not getting their savings money, with the same responses being made over and over and over again. This is a scam and I wish I could go back and time and tell myself not to take this loan. A terrible experience with my credit score taking the hit.