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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Removal of Incorrect Information per FCRA and XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my TransUnion credit report. According to my credit report, the entity " XXXX  '' appears instead of " XXXX. '' This is not only misleading but a clear misrepresentation of the creditor information provided. This error directly violates my rights under the Fair Credit Reporting Act ( FCRA ) and United States Code ( USC ), which guarantee accurate reporting on consumer credit files.

Per the FCRA ( 15 U.S.C. 1681 ), TransUnion is required to report accurate information on consumers ' credit reports. By listing XXXX XXXX  '' in place of " XXXX  '' TransUnion is not meeting this legal requirement, as this misidentification could lead to confusion and potential harm to my credit profile. This incorrect data misleads lenders and misrepresents my relationship with the original creditor. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a thorough reinvestigation of this account entry and promptly correct this error by removing the entry to reflect " XXXX  '' accurately. This action must be taken within the 30-day period mandated by federal law. 

In addition, I am entitled to a clear and correct copy of the reinvestigation results and a free credit report if my dispute results in any change to my file ( per FCRA Section 612 ). I expect TransUnion to comply fully with these regulations to prevent further inaccuracies in my report and mitigate any potential credit harm that may arise from this erroneous listing.

Please consider this letter a formal demand under the applicable provisions of the FCRA and USC. Failure to act within the allowed timeframe will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any necessary legal action to ensure compliance with federal law. 

Thank you for your prompt attention to this matter. I expect confirmation of receipt of this dispute within 5 business days and immediate correction of this error within the legally required 30-day period. 

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

Every month I have to self report my account information as inaccurate, it is not automatically reported in 30 days or 45 days by XXXX. No one should have to self report their student loan balances as incorrect or uploading the account data, which is provided by XXXX.
Product: Checking or savings account

XX/XX/21 around XXXX at XXXX XXXX XXXX XXXX New York XXXX XXXX I tried to deposit over {$3000.00}, I wouldnt know exactly because I relied on the ATM to count them show me my tallied amount to deposit my money. The atm made an error sound then released my card without depositing my money. When I called capital one they said that I would get a provisional credit. I tried calling today and I was told I wouldnt receive any money until their investigation is done. I do not trust the fact that I did not count all my cash and relied on the machine to do so so I have no idea the actual amount inserted. It is the week of XXXX and I had purchases to make and now I cant even do that because I am waiting for the provisional credit while the real investigation takes place. I have no proof but the camera of the atm in this particular branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find documents mailed to me by companies stating they would be contacting EXPERIAN to remove unknown credit inquiries. To speed up the process I sent copies over to EXPERIAN. Some have been since XX/XX/2018 which gives them more than 9- days to remove the inquiry. Yesterday I called and spoke with XXXX who was very rude with me. First he claimed EXPERIAN has " never received your letters sir! '' Then he put me on hold for 20 minutes and magically he was able to read me word-for-word the letters I have attached for you here. He then told me, " WE WILL NOT BE REMOVING THE INQURIES SIR. FOR ALL WE KNOW YOU WROTE THESE LETTERS. THEY ARE NOT OFFICIAL. WE HAVE NOT RECEIVED ANY INFORMATION FROM THESE COMPANIES DIRECTLY. NOPE! WE WILL NOT REMOVE. YOU NEED TO WRITE TO THE COMPANIES YOU HAVE SENT US LETTERS FOR AND YOU NEED TO TELL THEM TO SEND YOU OFFICIAL LETTERS SIR! '' Just rude! I've done my part as a consumer. These companies sent me letters on their letter head. I WANT THEM DELETED IMMEDIATELY! FURTHERMORE, at this point, I want my {$1000.00} per inquiry and per defamation of character. THIS IS PROOF EXPERIAN IS REPORTING WHATEVER THEY FEEL LIKE REPORTING AND THINK THEY ARE ABOVE THE LAW! 

In addition, I have proven I do no have a XXXX account. I have enclosed a letter that XXXX admits they can not even prove they have proof of a contract with them. No phone number for me, nothing! The email they took from the CFPB complaint! I want XXXX deleted immediately from my report and I want a check for {$1000.00} for listing the account, selling the account TWICE and DEFAMATION OF CHARACTER -- {$4000.00} EXPERIAN also claims they have the right to report any name they want to on me. I am ONE name. There are no variations of my name. It is clear accounts have been opened in my name using just my middle and last as well as my first name, middle initial and last. I ALWAYS USE AND SIGN MY FULL NAME. I DEMAND ALL ACCOUNTS NOT HOLDING MY FULL NAME BE REMOVED! Again, under FCRA I have a right to {$1000.00} for every account falsely listed using variations of my name that are not as I legally AM or PRESENT myself. 

The representative said if a credit card lists me as MIDDLE NAME and LAST they have they right to list it. NOT TRUE. THERE IS NO PROOF OF MY LEGAL SIGNATURE under FCRA it has to be removed -- at minimum while it is investigated. Then they have to write me 5 days notice before being able to put it on. 

HOW IS THE CFPB ALLOWING THIS NONSENSE
Product: Credit reporting or other personal consumer reports

NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( XXXX ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ XXXX parties. Why does EQUIFAX allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. XXXX of the GLBA can be substantiated, I DEMAND that EQUIFAX PERMANENTLY XXXX the following non-compliant ATTACHED account ( XXXX ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above
Product: Checking or savings account

The XXXX, XXXX, and XXXX branches repeatedly told me {$200.00} of the large check deposited XXXX XXXX would be available today XXXX XXXX. I presented my check for {$200.00} to the XXXX XXXX Branch today and was told there were insuffient funds! 

Worse yet, the teller in a loud voice publicly announced what would be available tomorrow XXXX XXXX, A big no-no! Another customer was presentband as well another bank employee! 

What kind of bank is this when nobody can agree in the date the said check clears! 

I have had to spend hours on this and have been caused considerable distress as time us of the essence to meet an emergency!
Product: Checking or savings account

I won XXXX in a sweepstakes game an my money was deposited into my chime account an then chimeclosed my account leaving me unable to access my money
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i was sent to claims for an unpaid balance of {$2100.00} for a storage unit in XXXX XXXX, CA. I did not rent it my landlord rented it, I closed the rental and returned the keys and I moved out of the country. I received a call from XXXX XXXX XXXX saying I owe for 2 months rent for a storage unit. I never rented it and how can I rent it if I am in another country, they never sent proof. I asked both TransUnion and XXXX to remove it from my credit report on XX/XX/XXXX and I filed a ID Theft report on XX/XX/XXXX. Neither have removed it and Transunion sent an update on XX/XX/XXXX that was not an update, only the original dispute paperwork, they just replied with the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$2.00}, XXXX  XXXX Balance {$400.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1000.00}, XXXX XXXXXXXX Balance {$570.00}, XXXX XXXX XXXX Balance {$1100.00}
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Keystone Credit Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Keystone Credit Services has handled my credit information. 


It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), NJFCRA Section 56:11-28, and breaches the New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 ).

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), NJFCRA Section 56:11-31, and NJFCRA Section 56:11-34. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and NJFCRA. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Moreover, I insist on Keystone Credit Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and NJFCRA Section 56:11-28.

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 


I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 


Done in good faith.
Product: Debt collection

I am writing this complaint letter in reference of XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX   XXXX XXXX has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 am asking that the Credit Bureaus to investigate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for materials forwarded to three credit bureaus for me XXXX XXXX XXXX as there may be issues with unsubstantiated accounts. I have seen errors in certain existing data. I respectfully demand that the transmitted data or documentation be provided. Also please include supplement materials which verify that the accounts were established legally. I do not want just a cursory account history, or address matching. I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month ( 30 days ) following receipt, account summaries transmitted by the companies mentioned above must be considered false and may bespeak a statutory violation. In this case, they must be deleted without delay.
Product: Checking or savings account

On XX/XX/XXXX my wife paid her massage therapist {$95.00} from her XXXX in the amount of {$95.00}. The card was ran through square pay. Well square pay double billed us and so two charges of {$95.00} dollars appeared causing our XXXX account to go - {$4.00}. So we waited for it to clear. Well on XX/XX/XXXX we checked our XXXX and had an available balance of {$90.00}. Well when we went to us it to pay our chiropractic bill in the amount of {$80.00} our XXXX card was declined. Called the XXXX rep, and they told us that they square pay still has a hold on the account and our funds wouldn't be useable until XX/XX/XXXX despite XXXX portal saying we have money. Square pay shouldn't be allowed to double bill.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, XXXX XXXX Experian concerning XXXX XXXX  Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a XXXX form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

While I had the lease, I was charged an extra XXXX $ a month for full coverage insurance even though I had full coverage insurance with my mobile insurance. This also resulted in a repo of the vehicle when it was not needed. when paying I was told I they did not receive some of the payments when I was paying and I was told I needed both coverages when that was not true either. Later when I was in an accident the car was totaled and I was still asked to pay over {$2000.00} for the remainder of what they say I owed after the insurance and other information was sent out to them. I do not remember anything done except extensions for payments. 
I had this car from XXXX with these same issues. 
I would call and ask questions about payments and why I was being charged extra and was told thats basically how it is with a new vehicle and those were the requirements of the lease.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am an ongoing victim of I 'd theft and many different home addresses have been used to apply for credit and utilities. This outfit refuses to send proof of the debt along with the original file and my signature. If it is valid I would have no issue paying it.
Product: Credit card

Since XXXX XXXX  I started using the CITY credit card, the initial interest was 22.99 %, at the present moment I realize that the interest is 29.99 %. I have been making my payments on time every single month without fail. 
I have called the company several times inquiring about an answer, even though I did not receive any notification from them 45 days before every time they raise the interest.
Product: Checking or savings account

I resolve the solution with bank of america i still cant open up a account.
Product: Credit reporting or other personal consumer reports

I was advised by agent ( XXXX ) on XXXX  that if I made 1 installment payment before XXXX  that I would avoid any late credit reporting. I paid XXXX  on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX  .This is negligent on the part of XXXX  XXXXthis is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Product: Credit reporting or other personal consumer reports

vrthing began back on XX/XX/year> at XXXX he received an alert saying that his social security number has been compromised on the " dark web ''. I never had an idea the message were true because I thought it was scam. My XXXX XXXX and XXXX ). charged XXXX on my XXXX XXXX, {$15000.00} on my XXXX and also took out a loan in my name for a unknown amount. later this year victim I saw the results of more identity theft this XXXX  XXXX unknown to me and XXXX XXXX these accounts are not mine I am growing tired and weary of so much run around XXXX and then evrything goes from XXXX to worse inquirires on my credit report 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 or other personal consumer reports

Hello, Im concerned Ive been receiving debt messages I do not recognize. Upon checking my personal information. I notice a company I do not recognize. XXXX XXXX I ( XX/XX/23 ) In addition debt messages have been received associated to XXXX. Please remove from my personal information as spouse as I have not provided any information or have consigned anything with this name ( XXXX ) remove from my personal information. 
XXXX XXXX from equifax. This account has been deleted more than 2 times and it keeps appearing. Please remove fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXXThese accts have resulted in chargeoffs appearing on my consumer XXXX credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff are the result of identity theft and fraud.
Product: Debt collection

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Product: Student loan

On XX/XX/2023, I called Nelnet, my loan servicer that I was only a few of my loans had been approved for the XXXX program. After waiting for XXXX hours, the representative told me that I had to consolidate my loans in order for all of my loans to be approved for XXXX program. A few days later, I believe on XX/XX/XXXX, I applied for consolidation of my loans and the XXXX program again. I only did this because I was told this was necessary for all of my loans to be under the XXXX program. 

Later, in XXXX, I tried to log onto my Nelnet account, but the number associated with my identification verification was incorrect. I called Nelnet on XX/XX/XXXX to find out if my identity had been compromised and after waiting XXXX hours again, I was told that my application had included this unknown number I have never used before, but my identity was not compromised. During the conversation, I asked about my XXXX application and we talked about my consolidation and this representative said that it was unnecessary to consolidate my loans and that it may increase my interest. He said the office was closing and that he would call me back on XXXX, XX/XX/XXXX, to try and unconsolidated my loans and apply again for the XXXX program, but he never called.