23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This is my second time opening a dispute with TransUnion and my second document that I am sending from the Court to have it removed. Washington law states that once a state lien is vacated/satisfied the documents that I have attached should be sent to your credit agency to have it removed from your record. The governing status of limitation has expired in Washington, detail public records are not released to third-parties agencies. This was a warrant from XXXX Washington. It was actually not a tax lien with the IRS. XXXX filed these documents and they withdrawal the warrant do to payment or a judgement.. NOT A TAX LIEN. XXXX XXXX XXXX. 
Section XXXX ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX. XXXX ( a ), XXXX ( a ) ( XXXX ) and XXXX ( b ). 
I think there is some confusion with the jargon/verbage as you suggested. The Department will cancel a state tax lien when the delinquent tax liability has been resolved. The Department will mark an entry of satisfaction on the execution docket and withdrawal the lien with the Clerk of Superior Court in each county where the lien had been recorded. I have read reports of these same public records being deleted from other Transunion files. I can go on record to say this is something that was agreed on and paid and should no longer being my credit report. I am in the process of buy a home and it is not fair that XXXX other credit reporting agencies have seen the same letter and removed it from my record. I personally feel as TransUnion is violating my civil rights and privacy laws. Not sure it is my race or gender to which they are holding me accountable for this record that I have provided all the information for it be removed from my report. XXXX. XXXX XXXX. XXXX provides in pertinent part : ( b ) Reasonable procedures. It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit ... in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This is my last attempt to work this out between the agency. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To avoid legal action, I demand that you delete all the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to have it corrected. The issues I have encountered align with the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which highlights failures in properly handling disputes and correcting inaccurate information. 

I have attempted to resolve these errors through the proper dispute process, yet the incorrect information remains, negatively impacting my credit standing. Below are the disputed items : XXXX XXXX - XXXX Issue : not my account wrong Infromation Supporting Documents : attached license and social As mandated by the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct any inaccuracies within 30 days of receiving this dispute. Given the CFPBs lawsuit against Equifax for similar failures, I expect immediate and thorough action to rectify these errors. 

I request that you : Conduct a full investigation into the disputed items. 

Provide written confirmation of the corrections made. 

Send me an updated copy of my credit report. 

Provide details on how these inaccuracies were verified if no changes are made. 

Please consider this letter as a formal dispute, and I expect compliance with all FCRA regulations. Failure to correct these errors may result in further legal action, including filing complaints with the CFPB and other regulatory agencies. 

I appreciate your prompt attention to this matter. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX XX/XX/year> Transworld Systems Inc. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX PA XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as a formal Notice of Dispute regarding the alleged debt associated with the above-referenced account number. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt.

Please be advised that I am not acknowledging or admitting responsibility for this alleged debt. As the purchaser of this alleged debt, Transworld Systems Inc. is subject to the terms of the original agreement with XXXX, including any arbitration clauses. If this matter can not be resolved amicably, I will initiate arbitration and seek all available remedies. 

To validate this debt, please provide the following : Proof of the original agreement : A copy of the signed contract or agreement between me and XXXX that shows I am obligated to pay this debt. 
Itemized account statement : A complete breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of assignment or ownership : Documentation showing that Transworld Systems Inc. has legal standing to collect this debt, including the chain of custody if the debt was sold or transferred. 
Verification of compliance : Documentation showing that this debt complies with all state and federal statutes, including statutes of limitations. 
Additionally, I request that you immediately cease any collection activities, including reporting this account to any consumer reporting agencies, until the debt has been fully validated in accordance with federal law. If you have already reported this alleged debt, please update any credit reporting agencies to reflect that the debt is under dispute. 

You have 15 days from the date of this letter to respond and confirm your compliance with my request. Failure to do so will leave me no choice but to proceed with arbitration, where I will seek all available remedies for violations of my rights under applicable laws. 

If you can not provide the requested documentation, you must cease collection efforts and remove any negative information you may have reported to the credit reporting agencies regarding this account. 

This letter is not an admission of liability and does not authorize any additional collection activity. All communication regarding this matter should be made in writing to the address listed above or via email at XXXX. 

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

XXXX XXXX has violated the law again! They are now manipulating other data to damage my credit score! 

See how they are extending the fall Off date by a month! 

Deceptive trade practices! 

This is illegal!
Product: Vehicle loan or lease

The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make a payment due to Covid-19. When I was able to I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

As a courtesy service my bank, the XXXX XXXX XXXX XXXX, provides my Experian Credit Score. I believed this to be true and factual. However, recently my wife and I applied for a consumer new auto loan and was surprised when the rejection explanation listed completely different credit scores for both of us. XXXX tells me that they used our " lending '' score, along with other factors. Their Notice of Our Decision letter never mentions the term " lending credit score ''. How and why it is legal to provide me, the consumer, false information and misleading information and provide completely different information to lenders? I do not understand.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

In accordance with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A states 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX, I saw a referral offer on my American Express platinum card. The referral offer says " get XXXX XXXX and addition +4 membership rewards no matter what card your friend is approved for ''. I utilized this offer and used it to refer one of my friends, he applied and was approved for the XXXX XXXXXXXX credit card. 

I submitted the complaint but I was rejected saying that " We reviewed the referrals from XX/XX/2021 and found that the referral link was used however the application status can not be determined. " However, this does not make any sense. 
The people I referred is my close friend, so he has shared with me his approval email on XX/XX/XXXX. I have attached it as the proof!
Product: Credit reporting or other personal consumer reports

I am resubmitting a complaint today to inform you once more that I have fallen victim to identity theft. I revisited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Please find the ATTACHED documents to facilitate the removal of erroneous information posted to my report. Here is the list of items that do not belong to me or were opened without my permission : -- -- -- -- -- EXPERIAN : 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 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. According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I made a payment of {$470.00} on XX/XX/XXXX to Sequium Debt Collection Agency for my closed XXXX XXXXXXXX XXXX credit card account. XXXX XXXX XXXX sold my closed credit card account to Sequium Debt Collection Agency. The XXXX XXXX XXXX credit card has been paid in full and and as agreed through Sequium Debt Collection Agency. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit freeze on Equifax due to their high profile mishandling of consumer data from a few years back. However, recently when I tried to login and unfreeze my credit the site locked me out and said the only way to unlock my account would be to contact their customer care center by phone. 

So, I called their customer care number and spent over an hour on the phone trying to get answers from them. Finally, they determined that the only way for me to reset my account would be to send a letter including proof of identity ( Drivers license and copy of social security card ) to their headquarters to verify my identity. 

That letter was sent 3 months ago ( XX/XX/XXXX ), and I still haven't heard a word from their organization AND my account is still locked.
Product: Mortgage

My mortgage was in forbearance due to COVID. When I was ready to end forbearance on XX/XX/2020, I called and made full payment to bring mortgage current. Instead, Amerihome put one of the payments in a suspense account. When I noticed XX/XX/2020, I contacted the company and requested the payment be applied correctly. I was told it would be resolved within a couple of days. Now it is XX/XX/2020 and my payment is still not applied correctly so it appears I am 30 days behind. When I attempt to make a payment, their system will only accept 2 payments to " catch up '' even though I am not behind.
Product: Credit card

I've always made sure to pay this account on time, never letting payments become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was appalled to find out that not only was the status indicated as Charged off but the company has also indicated that they have not been receiving payments from me ( NP ). In fact, I have been working diligently to the point that they automatically retrieve the payment bi-monthly from my checking account. So it shouldn't be both ways ... .either I've been difficult to deal with that they had to get an outside company involved ( charge off ) or I'm doing my due diligence in trying to comply with their demands. I thought that we had a good relationship since I have been very faithful in repaying to them directly. Now there's this undeserved black eye on my credit report which I feel is not deserving.
Product: Debt collection

My company credit card bill, originally from XXXX XXXX, has been sent to collections through Nationwide Credit , Inc and I have received the collections statement. I went on a company issued training trip to XXXX, XXXX and was informed to use the card for flight tickets, room and board, food and XXXX testing to reenter the United States and to fly. I also had to cover payments for another employee on the trip, who did not get card authorization prior to travel, so their card was declined. The company let me go and has now discontinued paying the credit card payments. 

I notified the original creditor multiple times that I was not responsible for the bill, and that the debt was not valid under my name, as it was a company card and issued trip in which I was asked to use the card. I was also required to assist the other employee financially on the trip. The original creditor continued to call, harass, and got very unprofessional with me, threatening me to pay the debt that was not mine. I let them know I did not agree with the debt and asked them to contact my employer for payment. I also attempted to contact my employer. However, they ignored all communication and still sent the account to collections under my name. 

The company required that I put my name on the account for the training trip, even though I did not desire to do so. No effort was made by either party to contact my employer and rectify the bill in that manner as their name is also on the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB FOR REMOVE CHARGE OFF ACCOUNT I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : name account : XXXX XXXXXXXX XXXX number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act 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 

15 U.S.C 1681 Section 604 A. States I have rights 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.