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

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnions failure to conduct proper investigations. Specifically, in a lawsuit filed against TransUnion, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount *JPMCB Card Services XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX {$61000.00} XXXXXXXX XXXX XXXX {$5500.00} XXXXXXXX XXXX XXXXXXXX {$6900.00} XXXX XXXX XXXX XXXXXXXX {$2800.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$760.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX {$7600.00} XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00} 2 . Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect TransUnion to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If TransUnion fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Checking or savings account

I had had my Wells Fargo bank account for almost XXXX years and decided to close my account due to them changing features on my account, causing me to miss calculate my funds and results of continuous overdrafts and nonsufficient funds for me to have to pay a large amount of overdraft fees
Product: Credit card or prepaid card

I have attempted to contact this company since XX/XX/2021 via their customer service phone number XXXX and the recording when selecting the option for customer service 0 always says that no customer support agents are available at this time. I have been trying to contact them to let them know I need to change my payment method. Their system does not allow you to change your payment method unless you make a request. So on XX/XX/2021 I decided to begin any further communication with them only as email at XXXX and they have not responded. The first email was sent through their internal messaging system via the Grain app and I received a automatic response that they have received my message and they will respond soon. I have made several attempts and am not getting anywhere. They have reported a balance increase to the credit bureaus from the original balance that was reported as if I am not paying my bill. They have not allowed me to change my payment method and have not responded to my email request to change my payment method since the first attempt of contacting them on XX/XX/2021, but they have a customer service phone number as if they will be available at that number but are not.
Product: Credit reporting

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX and the Credit Reporting Agency Transunion refuses to update my bankruptcy status from showing " Filing '' to a " Discharged. '' Once a bankruptcy has been successfully completed the credit report is suppose to reflect the change. So, on several occasions, I disputed my credit report on the comany 's website, via snail mail and over the telephone regarding the completion of my bankruptcy. I provided proof that the bankruptcy was discharged/completed and even instructed the company where there investigators should specifically look, when he/she/they go into the bankruptcy XXXX system to verify the completion of my case. Yet the company is the only credit reporting agency that is not satisfied with the correspondence that which I provided them. I do not understand what the problem is and at this point I believe that I am being discriminated against and my consumer protection and Civil Rights are obviously being violated. I have also been turned down from a Civil Service job opportunity because of the open/active/filing status of my bankruptcy case with this credit reporting agency. Should you need evidence of my lost job opportunity, I am willing to support this claim. This company is also interfering with my future plans of purchasing a home due to their refusal of changing my bankruptcy status. In addition, according the the benefits of what a discharged bankruptcy is suppose to provide debtors, this company is preventing me from receiving a " fresh start '' in my life. Please help me as I am exhausted, stressed and disgusted with the unprofessional, unethical. undue hardship, and discriminating behavior that the company has imposed upon me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Bankruptcy listed below is needed to delete from my Credit Reporting. 
Bankruptcy : XXXX-XXXX-Asset Amount : $ XXXX-Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to get this removed have filed a complaint on here to the credit agency on XX/XX/XXXX on XX/XX/XXXX got a letter stating that it was a validated debt. Ot was not a validated debt. I have sent a letter to the company proof showing that the us bankruptcy court did not report a chapter XXXX bankruptcy tp the credit agency. We have asked them with certified letter to provide us with documentation of jow the os a validated debt with no luck.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are consumer reportingagencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. '' Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to these agencies never informed me of my right to exercise my nondisclosure option.

15 USC 1681C ( a ) ( 5 ) also states " Except as authorized under subsection ( b ), 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. '' These accounts are adverse items they are reporting again without my permission which is against the law.

15 U.S.Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S.Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed undersection 1681b of this title.

these consumer reporting agencies are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I have opted out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over affidavit explaining the violations on my credit profile and I havent heard anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

This DISCOVER Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Unknown card contacted company and card was never paid not 1 time and or used
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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 XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I WANT TO HAVE CASH BACK WITHOUT BUYING NOTHIN ELSE! 
BANK OFAMERICA WROTE : Bank of America logo You have deals expiring.

Dont let your cash back deals expire You have cash back dealsXXXX that are about to expire. We dont want you to miss out, so be sure to use them soon. 
Click to activate your deals : + Up to 20 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 + Up to 30 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 55 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 1 month Expires XX/XX/2023 + 7 Days Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$15.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$20.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + {$12.00} Expires XX/XX/2023 + {$8.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 See more deals
Product: Credit reporting

ATTN CFPB DO NOT LIST THIS COMPLAINT AS A DUPLICATE! IT IS NOT A DUPLICATE LOOK AT THE DATE THAT IS LISTED ON MY EXPERAIN CREDIT REPORT FIRST! I AM RESPONDING TO THE INFORMATION THAT WAS LEGALLY PROVIDED TO ME BY EXPERAIN! 
I HAVE WRITTEN TO EXPERAIN SEVERAL TIMES IN REGARDS TO THE ILLEGALLY DISPLAYED INFORMATION THAT THEY ARE CURRENTLY DISPLAYING ON MY CREDIT REPORT! I HAVE REQUESTED SEVERAL TIMES THAT THEY LEGALLY VALIDATE THE US BKPT CT COURT XXXX, EXPERAIN HAS LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION SEVERAL TIMES! I HAVE PERSONALLY CONTACTED THE US BKPT, AND THE JUDGE IN REGARDS TO THIS MATTER, THE JUDGE IN THIS ALLEGED CASE HAS WRITTEN A LETTER ON MY BEHALF TO EXPERAIN, YET THEY CONTINUE TO REPORT INACCURATE INVALIDATED INFORMATION ON MY BEHALF. CFPB I WOULD LIKE TO KNOW WHY YOU HAVE NOT SENT MY COMPLAINT OVER TO THE FTC, BECAUSE EXPERAIN IS KNOWLY VIOLATING THE FAIR CREDIT REPORTING ACT, AND THE COLORADO FAIR CREDIT REPORTING ACT! I HAVE PROVIDED PROOF THAT EXPERIAN IS WRITTING THAT THEY ARE VERIFYING THE INFORMATION, WHO IS EXPERAIN VERIFYING THE INFORMATION WITH? BECAUSE THE US BKPT COURT HAS WRITTEN ME BACK SEVERAL TIMES STATING THAT THEY DO NOT CORRESPOND WITH ANY CREDIT AGENCYS, SO WHERE IS EXPERAIN RECIEVING THIER ILLEGALL INFORAMTION FROM? I HAVE CONTACTED XXXX XXXX IN REGARDS TO THEM REPORTING INACCURATE INFORMATION IN REGARDS TO THIS ALLEGED US BKPT COURT, AND THEY HAVE WRITTEN BACK TO ME TO CONTACT EXPERAIN IN WHICH I HAVE SEVERAL TIMES! I WOULD NOW LIKE FOR YOU THE CFPB TO DO YOUR JOB AND IF THIS COMPLAINT IS TOO COMPLEX TO SEND IT TO THE FTC BECAUSE THEY ARE THE ENTITY THAT CAN NOW EMPOSE FINES AND FEES AGAINST EXPERAIN FOR A DIRECT VIOLATION OF THE LAWS! IF YOU TAKE A LOOK AT MY PREVIOUS CREDIT REPORTS THAT I HAVE UPLOADED TO THE CFPB PORTAL FOR OVER 3 YEARS NOW EXPERAIN CONTINUES TO ILLEGALL CHANGE THE DATE IN WHICH THIS US BKPT IS ORIGINALLY SUPPOSTED TO BE REMOVED FROM MY CREDIT REPORT! THEY HAVE REPORTED THAT THE DATE IN WHICH THIS ALLEGED US BKPT WAS FILED WAS IN XXXX XXXX, AND THE DATE THAT IT WAS FIRST REPORTED WAS IN XXXX OF XXXX AND THE DATE STATUS IS XXXX XXXX, THESE DATES ARE INCORRECT, AND THIS ALLEGED US BKPT SHOULD BE COMPLETELY REMOVED FROM MY CREDIT REPORT! IF YOU TAKE A LOOK UNDER THE COMMENT SECTION ON MY NEW CREDIT REPORT THEY HAVE NOTED THIS ITEM IS SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX OF XXXX. THE FAIR CREDIT REPORTING ACT LAW CLEARLY STATES THAT A BANKRUPTCY CAN REMAIN ON A CREDIT REPORT FOR ONLY 10 YEARS!!!!! ON XXXX OF XXXX THIS ALLEGED US BKPT SHOULD BE LEGALLY REMOVED FROM MY EXPERAIN CREDIT REPORT! EXPERAIN CONTINUES TO ILLEGALLY CHANGE DATES ON ACCOUNTS WITHOUT THE PROPER VALIDATION ON THE ALLEGED ACCOUNTS WHICH IS A DIRECT VIOLATION OF THE LAW! WHO IS GOING TO DO SOMETHING FOR THE AMERICAN PEOPLE AGAINST EXPERAIN, WHO THINKS THAT THEY ARE ABOVE THE LAW AND CONTINUE TO XXXX AND STEAL FROM THE AMERICAN PEOPLE BY NOT FIXING THE MISTAKE THAT ARE BEING DISPUTED!!!!!!!!
Product: Credit card or prepaid card

Dear sirs : I applied for a Citibank AAdvantage Mastercard ( ending in XXXX ) while purchasing XX/XX/XXXX tickets online ( on the XXXX XXXX website ) on XX/XX/XXXX. The only reason I signed up for the card was so that I could receive a credit ( {$250.00} ) on the tickets I was purchasing. After being approved for the card, I was not able to ever utilize the card to purchase the tickets. Citibank did not make it possible for me to use the card, and receive the bonus they were offering when signing up. 

The Citibank AAdvantage offer reads like this : " New cardmembers can also receive up to a {$250.00} statement credit on eligible XXXX XXXX purchases ''. In order to purchase the tickets in a timely fashion ( due to a good price ) I had to utilize another credit card, as I had not received the physical Citibank AAdvantage card yet and they would not provide me with the number of the new card so that I could make the purchase on the XXXX XXXX website. 

I contacted Citibank and XXXX XXXX on 6-8 occasions in the ensuing days in an attempt to utilize the Citibank AAdvantage card to make the purchase, but I could not make any headway. I was very frustrated by the customer service experienced by Citibank, who couldn't seem to understand how to help me. Complicating matters were the out of country customer service, and being given conflicting and incorrect information by the Citibank customer service representatives. 

Thank you for looking into this, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXXI ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to  harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}