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

Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> I respectfully assert that this entry is inaccurate for the following reasons : XXXX. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law.

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle.

3. Violation of State-Specific Laws : Additionally, [ State Name ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession.

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected.

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

Attn : TransUnion XXXX XXXX TransUnion LLC XXXX XXXX XXXX Department Consumer XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} / {$350.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX  ) - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Correct Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Email : XXXX Number : ( XXXX ) XXXX Employer : XXXX XXXX XXXX - Owner Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

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

Ive been looking for a rental apartment, when I received a link from a tenant stating I need a {$32.00} refundable credit monitoring report before I let you look at my property on XX/XX/year>, my wife is refunding you soon as you come for visiting my property, I followed his instruction he sent me a link and costed me the above mentioned amount, he scheduled a property tour on XX/XX/year> at XXXX when I provided my credit monitoring report. When I went to the location to look at the property at the mentioned time and date, he neither available nor hasnt picked up calls and not replied texts since then.
Product: Debt collection

In XX/XX/2018 I received a collection notice from XXXX acting on behalf of paypal as a creditor. It is a charge for {$27.00} for a debt incurred by someone else who is operating a paypal account in my name. After much back and forth I finally got to talk to a paypal expert. He said that there were dozens of fraudulent accounts in my name. All you need to set up a fake account is my SSN and mothers maiden name. He didn't dispute this charge was fake since it was listed to a bogus email account XXXX. But he stated that paypal was not responsible since the thieves did not steal the SSN information from them. " It was my problem ''. I never received a follow up from paypal, but also no more notices. 

Until XX/XX/XXXX when I received a new notice from XXXX XXXX XXXX ( for a different debt ) I feel Paypal is responsible for doing proper due diligence on the folks that open up accounts.Pretty much everybody 's SSN is stolen so that is not an excuse.
Product: Money transfer, virtual currency, or money service

BMO Harris Bank has held my $ XXXX now for 40 days and my bank, XXXX XXXX XXXX has made numerous requests to recall my money but there seems to be an internal problem at BMO Harris Bank within the wire department. Someone in the department made a foolish decision to arbitrarily hold my check and transferred it into an account that was frozen so now my money has been frozen for 40 days. 

This means that my family member who was to receive my $ XXXX is suffering because I'm unable to help. Also the communcaitons between XXXX XXXX XXXX and XXXX XXXX seems to be a finger pointing exercise with me being the victim of their ineptness. 

I received an email yesterday that both banks want me to sign a letter of XXXX which is like pleading the XXXX to cover up a mistake that they are quilty of committing.
Product: Credit reporting or other personal consumer reports

Back in XXXX I wrote to the CFPB about the data XXXX data breach. I was notified that my data was affected. I immediately notified the CFPB about the breach. I also stated that I want to block my credit profile report. Meaning I need written notice from entities when furnishing or sharing my personal data.Where is your written notice? This is identity theft! Your entity is violating my rights. I received a new inquiry of a new address on my credit profile. How did that address get on my report? I never lived at the location. I live in XXXX, NC not XXXX, FL. Please remove : XXXX XXXX XXXX XXXX, FL XXXX. How did anything get on my report without written permission? This is considered identity theft. This address needs to be removed immediately. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC. All correspondence should be addressed to XXXX XXXX XXXX XXXX. 

Where is the contract for XXXX XXXX where I gave them permission to furnish my account? Where is your entity 's written notice? As I stated in my last letter you need written permission from XXXX XXXX XXXX before furnishing any account information. My accounts are run by my XXXX. All my accounts are private and I require written permission from all agencies to share XXXX XXXX XXXX consumer profile. With each violation will be a fine of {$1000.00} for noncompliance. I need a notice from the financial institution or credit agency with full account information and full disclosure on how to settle the account in bankruptcy, see Bankruptcy act of 1933. After I examine the account, I will decide what to do. As these are my accounts. Your company operates through the United Stated Codes, please follow those codes, or I will be forced to take civil action. Please remove all inaccurate information below. Thank you for your time. 


Remove immediately Inaccurate Information Address XXXX XXXX XXXX XXXX, FL XXXX Accounts XXXX XXXX XXXX XXXX XXXX  Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Equifax located in XXXX, XXXX, XXXX located in XXXX XXXX, XXXX, and XXXX located in XXXX XXXX XXXX CA XXXX This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax, XXXX, and XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax, XXXX, and XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED AN IDENTITY THEFT FTC REPORT DUE TO INACCURATE ACCOUNTS ON MY CREDIT REPORT AND NO ONE IS HELPING ME.
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous been a victim of fraud my credit report emailed me about suspicious activity from Barclays Deleware Bank and there was in the past from XXXX XXXX XXXX where someone opened up accounts in my name. I can confirm I did not open up any accounts. The account states it was open XXXX XXXX and it put a hard inquiry on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. Experian Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Experian is not up holding the law of the FAIR CREDIT REPORTING ACT!
Product: Credit reporting or other personal consumer reports

I recently found a delinquent account on my credit report. It started in XX/XX/2023. The account was not opened by me. My investigation found it was a XXXX XXXX the credit company aligned with XXXX XXXX XXXX XXXX They are looking into it. That made me look further into my credit report and I found other episodes of attempts to open an account.
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. 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 fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute and a complaint with Experian. On XX/XX/year>, Experian regarding a request I deemed to be inaccurate or incomplete. Experian responded back with a stall letter saying they were unable to honor my request or a portion of it based on limited information. Granted, I have sent Experian dispute letters in great length and detail regarding the incompleteness and inaccurate and they have failed to fix them.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XXXX XXXX XX/XX/XXXX LVNV c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV, Following my recent dispute regarding a different matter, I am writing to dispute another debt you have recorded under my name, specifically XXXX amounting to {$560.00} with an opening date of XX/XX/XXXX. I challenge the validity of this debt and require detailed verification from your agency in compliance with federal law. 

**Specific Dispute and Requests** : - **Disputed Debt Details** : - This dispute concerns the debt amounting to {$560.00}, opened on XX/XX/XXXX. I question the accuracy of this debt 's reporting and the lack of clear communication regarding its origin and validity. 

- **Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : - An adequate opportunity to dispute this specific debt has not been provided, a right that is safeguarded by federal regulations.

- **Requirement for Proof of Debt and Certified Mail Receipt ( 12 CFR 1006 ) ** : - For this debt, I request proof of the original creditor 's details, the exact amount owed, any agreement that bears my signature, and evidence of certified mail delivery that I personally signed.

- **Misrepresentation and Deceptive Practices** : - Employing any misleading, deceptive, or false tactics in attempts to collect this debt would be in violation of the principles of fair debt collection.

- **Unauthorized Reporting without Adequate Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) ** : - The reporting of this disputed debt to credit bureaus without providing required legal disclosures and without accurate verification is a grave violation of federal laws and my consumer rights.

**Immediate Demands** : - **Comprehensive Verification of the Debt** : I demand a detailed verification of the disputed debt, including all relevant documentation that substantiates your claim to its validity.

- **Cease of Collection and Reporting Activities** : All collection activities and reporting of this debt to credit bureaus must be halted until the dispute is adequately resolved and the debt is verified as per legal standards. 

I anticipate a detailed response within XXXX  days of receipt of this letter, including the provision of all requested documentation and a resolution to this dispute. Failure to comply will compel me to take further actions, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice to protect my rights.

This letter is also being filed with the CFPB to ensure that my dispute is officially documented and to request their assistance in ensuring compliance with applicable laws and regulations.

Thank you for your prompt and thorough attention to this matter. 

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

I proceeded with the steps at XXXX to get my free credit report from transunion. After I entered all my information I was met with this : " We are unable to complete your request What happened : Unfortunately, your request can not be fulfilled online at this time, based upon the data provided. 
What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 
Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' The number has an impossibly long system ... and I never receive my report. Also not having access online makes everything a time consuming struggle. Theres no way of regaining access to my free credit report online and I firmly believe that denying me this access is equivalent to denying me access to my report.
Product: Credit reporting

Experian is reporting inaccurate information on my credit report. There is a Judgment XXXX that is negatively impacting my credit. This Judgment was reported in error. The property was foreclosed and sold. Under Oregon law, XXXX Bank is prohibited from filing a judgment against me. Please see attached letters from my attorney, XXXX XXXX XXXX.This Judgement needs to be deleted from my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my Consumer Report and noticed the following inaccuracies : I am not liable for the debts with the following companies listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The following companies not only have never entered into a contractual agreement with me but are not even authorized to collect a debt in the state of New Jersey as they are not registered to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After requesting proof of the legitimacy and lawfulness for these accounts none could be provided therefore I am requesting that TransUnion adhere to the Fair Credit Reporting Act by reporting only accurate information as required by law.
Product: Debt collection

Recently as I viewed my personal file through monitoring system I noticed fruadulant account being reported in the amount of {$2100.00} from CLARK COUNTY COLLECTIONS that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX.
Product: Credit card

American Express has been charging my credit card {$14.00} a month for the past 6 years for a product named XXXX I have a serious Identity Theft issue that has resulted in me being reported as deceased on all XXXX credit bureaus and a company with a data breach that exposed all of my personal information. I contacted XXXX who informed me to contact XXXX XXXX company to get a copy of the policy and proceed with a claim only to learn months later that my claim was denied and I still have these score of XXXX on my credit report stating that I am deceased. I 've had to retain an attorney on my own because this XXXX XXXX XXXX is deceptive and misleading and you wo n't know it until you have a claim and it covers nothing as it is advertised. American Express has charged me a total of {$1000.00} in the past 6 years and I demand all of my money back immediately. I 've called Customer Service for the past month been hung up on by supervisors and customer service representatives. I 'm trying to resolve this matter with American Express in a professional manner without civil action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022