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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXXXXXX XXXX XXXX  Account Number : XX/XX/2022 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681, this company is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ( me ) with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

According to 15 USC 1681, a credit report does not include the transactions between the consumer and the person making the report. The person making the report in this case is XXXX. It is illegal to continue to allow them to report information on my report when the information reported does not fall within this law. 

According to 15 USC 1681c, your company is not authorized to make a report containing any other adverse information other than records of convictions. 

I have contacted XXXX revoking their authority to report any information on me as it is a violation of federal law and my right to privacy pursuant to the Privacy Act of 1974. According to this Act, no agency shall disclose any record ( which includes financial transactions ) unless there is a written request from the individual to whom the record pertains ( me ). I have not given written authorization and I have taken the extra step and revoked their authority. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I've also noticed errors in payment history along all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal identity information has been compromised by the hacking of Equifax 's databases.
Product: Debt collection

XXXX XXXX XXXX/ {$1900.00} XXXX XXXX / XXXX / {$900.00} XXXX XXXXXXXX / XXXX / {$2800.00} XXXX XXXX XXXX / {$1300.00} XXXX XXXX XXXXXXXX / {$3400.00} XXXX XXXX Original creditor : XXXX CXXXX XXXX XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Payday loan, title loan, or personal loan

Greensky tells me that I owe them {$0.00} and that my account is closed. See attached documentation. Despite me not owing anything on this loan, Greensky is still reporting to the Credit Bureaus that I owe {$7300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the inadequate investigation conducted by TransUnion regarding CFPB complaint # XXXX, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681c, 15 USC 1681n, and 15 USC 1681a ( 3 ), mandates that credit reporting agencies must conduct a reasonable investigation within 30 days upon receiving a dispute. 

As of XX/XX/2023, TransUnion has not initiated nor completed the investigation, which is a clear violation of these statutes. The FCRA was enacted to promote accuracy, fairness, and privacy of information in the files of every credit reporting agency. By failing to conduct a timely and adequate investigation, TransUnion has not only violated the FCRA but also compromised my rights as a consumer. 

The attachment provided with my complaint outlines 35 different reasons why the disputed account should have been deleted over a year ago. Despite providing substantial evidence, TransUnion has failed to take appropriate action, further violating 15 USC 1681i, which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information. 

Under 15 USC 1681n, consumers have the right to seek damages in court against anyone who knowingly and willfully violates the FCRA. Given that the disputed account has not been deleted over a year ago, despite substantial evidence supporting its deletion, it is evident that TransUnion has knowingly and willfully violated the FCRA. Therefore, I am entitled to monetary compensation for these violations. 

In conclusion, I urge TransUnion to comply with the FCRA by conducting a thorough and timely investigation into my dispute. Failure to do so not only violates federal law but also infringes upon my rights as a consumer. I also request that TransUnion consider the evidence provided in the attachment and take immediate action to delete the disputed account from my credit report. If TransUnion continues to disregard its obligations under the FCRA, I will have no choice but to seek legal remedies, including monetary compensation for the damages I have incurred due to these violations.
Product: Bank account or service

RE : XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau : Presently I am long term unemployed ( $ XXXX/year from employment XXXX ), NO Transportation, threatened homeless, and SISTER PHONE XXXX. On XX/XX/XXXX, I walked into Citizen bank ( located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX ) and CLOSED OUT MY XXXX DEPOSIT CHECKING ACCOUNT NUMBER XXXX, after GETTING ALL MY CASH. 

I am writing because I did not receive any formal documentation stating closure of the account only a withdrawal receipt. In the past, I have walked into banks to close accounts only to find out years later the bank employees actions proved to be disingenuous and they DID NOT DO THEIR JOB AND HONOR THE ACCOUNT HOLDER/CUSTOMER 'S LEGAL REQUESTS AND CONCERNS. 

For example, in XX/XX/XXXX I walked into XXXX Bank ( located XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX ) and closed out accounts with ZERO BALANCES, only to have the bank allow post-closure unauthorized activity leading to delinquent amounts which the bank subsequently charged off and ERRONEOUSLY ATTACHED TO MY GOOD NAME. XXXX bank then refused ME, XXXX, any information in reference to what was charged and who charged the delinquent amounts. I attempted to reason with XXXX bank employees to properly inquire about the account I CLOSED and STRONGLY ADVISED XXXX bank to provide the name of the person ( s ) responsible for unauthorized account activity and REMOVAL OF DELINQUENT ACCOUNTS IN MY NAME OUT OF CHEXSYSTEM to no avail. 

Again, once made aware of delinquent charged off amounts in My Name on XX/XX/XXXX, I walked into a local XXXX bank branch ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to discover the facts. Until XX/XX/XXXX, I had no knowledge of XXXX bank delinquent amounts. Again, on XX/XX/XXXX after discovering the information from a different bank Authority, and I walked into the XXXX bank XXXX bank branch on XX/XX/XXXX and XX/XX/XXXX to reason, clarify, and calmly resolve. I have contacted all phone numbers provided by XXXX bank to RESOLVE THEIR ACCIDENTS\MISTAKES ; however, XXXX bank 's resolution involves allowing CONTINUED UNAUTHORIZED ACTIVITY BY ALLOWING AN UNAUTHORIZED PAYMENT FOR AMOUNTS I DO NOT OWE AND REFUSING REMOVAL FROM THE CHEXSYSTEM. I have requested the name of the person ( s ) who ( XXXX ) allowed the unauthorized payment and ( XXXX ) person ( s ) who made the unauthorized payment. The bank refuses to disclose thot information WHICH IS ILLEGAL. In addition, to this day, XXXX bank has not made PAYMENT TO ME, XXXX XXXX XXXX, for XXXX XXXX certified bank checks ( check number XXXX {$210.00}, and check XXXX {$70.00} ). 

I WANT TO ENSURE THOT DOES NOT HAPPEN EVER AGAIN AND I WANT ALL MY MONEY. Please ensure Citizen bank account is properly closed out so NO DELINQUENT AND FRAUDULENT amounts from unauthorized access, XXXX are illegally charged off, and then attached to MY EXCELLENT NAME.
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 15USC 1681.

The accounts bellow have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Except as authorized under subsection ( b ) of this section, 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 ) : 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

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I never had XXXX in my life, and I always use my military insurance when I go to the hospital. I guarantee that I have never went to XXXX what so ever. Maybe I was a victim of ID theft. As a result the hospital who provided the services should be able to identify the person in question as they are supposed to protect my person as a consumer. I cant believe that such injustice happened to me. When I call the hospital they stated that they didnt perform any service under this name.
Product: Checking or savings account

CFPB Bank of America order. Bank of America account holder since 2004
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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: Debt collection

Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX XXXX For over a year, Procollect failed to provide information or evidence that I owe XXXXXXXX XXXX I didnt have an active lease with XXXX XXXX, and I dont recognize this company. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX XXXX XXXX. 
As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination lease fee due to damages to the apartment from XXXX XXXX  XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 
I request that this be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my government to protect me as I protected it with 2 XXXX  XXXX  and 2 XXXX  XXXX  and a soldiers XXXX XXXX XXXX I want my government to take action on their DATA BREACH. 



Equifax : I can not reach them by phone or online. When i try online it tells me to call a number. The number does not give a HUMAN BEING just a recording. It tells me I can not complete my request and I have to fax or mail. It does not tell me what to mail. 

I have mailed 4 times and no response. 
I was involved in THEIR INCOMPETENT DATA BREACH. THEY WILL NOT CONTACT ME TO FIX THEIR MISTAKE. This is costing me thousands of dollars They have made no attempt to help fix what their BREACH caused. I would like you to pull their license to operate in Tennessee or tell me what Court to go to and I will if you can not. There automated XXXX does not work and it just cost me XXXX. 
I need help from my government I need it now or I will go out of business My contact information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Cash App account had been charged authorize charges to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

My name is XXXX XXXX.I had a business account with SunTrust bank my account number was XXXX by the name of XXXX XXXX.without giving any reason suntrust closed my account when i called the bank they said you can't use our services and the funds will be sent to you within 15 days via check.now its been more than 3 months i called the bank more than 50 times they are not sending the money.every time they are saying its on hold.
Product: Credit reporting or other personal consumer reports

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX Experian XXXX XXXX, XXXX credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



XXXX Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account 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 XXXX XXXX XXXX XXXX XXXX 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

I'm filing an official complaint against Experian Credit bureau for their refusal to comply with the law. I have documented letters dating as far as XX/XX/2021 requesting an investigation of my credit file they maintain on me. This organization has " No '' regards for the law whatsoever. They have caused me harm and I have suffered a setback because of their failure to correct inaccuracies on my credit report. I was denied a much needed car loan, which would have allowed me the opportunity to travel back and forth to my job. I'm requesting your help in my situation at this time. Please respond to my request at your earliest convenience,
Product: Credit reporting or other personal consumer reports

I did not consent of a hard inquiry on my credit report