23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for Deletion of XXXX XXXX XXXX XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the XXXX XXXX XXXX Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the XXXX points of compliance set forth by XXXX XXXX. 

The following items are being disputed : 1. XXXX Date Opened/Closed Date/Date Reported 2. XXXX  Date Opened/Closed date/Date Reported In accordance with the XXXX points of compliance under the XXXX XXXX Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history. 

2. Integrity : The information provided does not maintain the integrity and completeness required by the XXXX XXXX guidelines, leading to an unfair representation of my creditworthiness. 

XXXX. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile. 

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of XXXX XXXX reporting. 

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX Reporting Format in examining each disputed item and ensuring compliance with the XXXX points of compliance. 

As per the XXXX XXXX guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the XXXX XXXX XXXX XXXX XXXX result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX XXXX XXXX, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,
Product: Checking or savings account

On XX/XX/XXXX I purchased a boat tour through XXXX XXXX XXXX. Due to their bus service being delayed the boat tour did not occur. This merchant stated they would give refund to all customers affected by this. They asked that we call the phone number to follow up. The phone number goes straight to voicemail & they have not answered any calls. I reached out via email but there has been no response. I reached out to CashApp to dispute the claim, but theyve denied the claim stating that the charge was not unauthorized & that they see no issue. Ive reached out to CashApp support multiple times via chat & through a call to let them know and they have not been able to resolve this issue. Ive asked for them to do a fair investigation into this claim so they can confirm I never received the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was rear end last XX/XX/2021. There was a police report and its not my fault. 
I hired the XXXX XXXX to help me because the XXXX insurance at the beginning is ignoring my phone calls. I reported the accident to the GMfinanciaL WHO FINANCE THE XXXX XXXX XXXX also to the XXXX. At first the car is at my driveway waiting for the XXXX to evaluate it. They said they have to tow it to the repair shop. I have no choice except for them to take it and be evaluated. They said it is a totaled car, the representative of the XXXX XXXX I thought is helping me for me to be protected. 
They are the one supposed to be talking to the insurance ( XXXX ) company. It took 9 months before I learned that the GMfinancial reported me that my car was reprocessed. I told the GMfinancial that the XXXX XXXX paid them {$5000.00} at first and they still took the car and told me they are going to sell it parts by parts. I told them that car got XXXX insurance and they should pay the difference. XXXX XXXX is the contact representative of the XXXX XXXX and this is the very issue why I hired them for contingency arrangement. I contacted the GMfinancial addressing why put me in reprocessed status when the insurance company should be the one taking care of it plus the law office. Im the victim and still a victim. It disturbed my routine and I can not even qualify for a loan nor refinance because of this reprocession report that the GMfinancial did.
Product: Student loan

When I took out the loans with my co-signer from XXXX, what the terms of repayment would be, including but not limited to the interest rate, were very unclear. I went through college with the understanding that student loans were a great way to pay for college with fair and favorable repayment terms. Since then at several different points I have felt like a bait and switch. The terms include what seem to me to be an extremely high interest wait on XXXX of the XXXX loans which is at 9.75 %, which accrued annually while I was in school. Then I went back to school after paying on my loans for about 18 months, and they went into in school deferment, but at no time was it really made clear to me that the maximum they would allow would be 4 years. I am currently enrolled in a XXXX and now have to start making payments again. Due to the High interest rate and being in school the accrual amount of interest added to the unpaid principle balance has nearly doubled the amount I owe to pay off the loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
XXXX. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection which is NOT mine, I do not owe on any medical for {$1300.00} please help me this is crazy
Product: Debt collection

I made a complaint against this company with you on XX/XX/2018. Finally received a response in XX/XX/2018. Alliance stated : we have been authorized to present the attached settlement proposal. Upon receipt of the payoff funds, the Claim of Lien will be satisfied and the account will be closed with Alliance, per standard operating procedure. The balance they were requesting was {$650.00}, I responded to them to let them know I was agreeing to this payment. I also asked to make three installments as we are a family below poverty level. I received a response back stating I now owe {$750.00}. This was within a few days of the settlement. They are trying to extort additional funds I do not have the means to pay. I want this settled once and for all and that is the reason I will agree to pay only the amount of {$650.00}. They are using stall tactics in responding to me and then charging collection fees. There should not be any collection fees when the company does not validate the initial debt due. They never provided a final payoff as requested back in XX/XX/2018. I go to pay the agreed settlement amount and they want more.They are also making false statements as the lien has never been recorded with the county. I just want this done with and will pay the {$650.00}. I do have consumer rights and they are being abused by Alliance CAS. Please resolve as they have proposed with the initial settlement of  XXXX.
Product: Mortgage

the message below was sent to chase XXXX XXXX foreclosure mill aka oh XXXX loan default manufacturing center within chase bank aka loss mitigation unit run by former bear stearns execs including the former ceo. 
pursuant to OCC sanctions on former XXXX ceo execs and other former XXXX execs in jp morgan chasebank oh XXXX loan default management group foreclosure mill default manufacturing unit this cease and desist notice is as follows as a JPMorgan chase stockholder and JPMorgan chase misconduct whistleblower to uscfpb. see below1. Cease and Desist calling me from exec offices of chase unit XXXXXXXX that violates the national mortgage settlements for only contacting me by the principal point of contact XXXX district XXXX XXXX chase v.p manager and no one else2. cease and desist keeping this current loan number that I never applied for in loss mitigation since it is not related to original erased by chase bank to evade dodd frank act original bear stearns loan beginning withXXXX. new loan terms include adding balloon payments in XX/XX/XXXX ranging from $! # XXXX to $ XXXX depending on chase source.these loan terms were added to as a loan modification and or new loan origination without any application from me with no loan docs and no settlement and to letter of rescission already submitted to XXXX XXXX via secure email and us cfpb notice of complaint. 
3.cease and desist sending me mortgage statements with falsified by chase mortgage e balances since XX/XX/XXXX transferred from emc XXXX chase with and XXXX years taken off repayment period turning a XXXX year loan on mortgage statement to a XXXX year loan. 

cease and desist confiscating my mortgage payments and escrow funds under camouflage of loss mitigation and per occ sanctions notice money laundering my payments XXXX or other XXXX chase subsidiaries and then trying to manufacture loan defaults by not applying payments5. cease and desist colluding with XXXX loan management services to manufacture defaults using forgery docs produced by chase forgery factories which I have in my possession sent to me by chase whistleblower employees. 

6. cease and desist using my escrow account to manufacture defaults by raising my payments while not applying over {$2000.00} in escrow funds from five future payments already made as shown on chase mortgage website for this manufactured zombie loan that has no loan docs ending in XXXX.
Product: Money transfer, virtual currency, or money service

Contact his XXXX XXXX, seller. 
XXXX XXXX Agreed to pay {$40.00} for the XXXX system, accessories and games and {$10.00} for shipping for a total of {$50.00} via cash app. 

XXXX XXXX XXXX  XXXX Paid him, and then he agreed to ship but never produced a receipt or a tracking number and then blocked me online and no longer response to messages on XXXX messenger. 

HIs XXXX XXXX  ID is : $ XXXX I have reported a scam on XXXX XXXX. 
I have requested a refund cash app and the process will take 14 days to get back to me but not necessarily to refund the money as they will need XXXX to initiate the refund but hes no longer responding. 

Additionally, there is a second individual involved too when I couldnt initially make the cash app payment, that XXXX said, was his son-in-law, that persons contact information is : XXXX XXXX Phone number : XXXX ( XXXX ) XXXX His XXXX id is his phone number : XXXX ( XXXX ) XXXX HIs XXXX XXXX XXXX account number ends in : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX not authorize by me also XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$4800.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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

After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened  XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX  XXXX Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : XXXX
Product: Debt collection

I was admitted to the ER at XXXX XXXX XXXX HOSPITAL on XX/XX/XXXX. After being there approximately 1 hour, they discharged me stating I had a XXXX and nothing could be done. Eventually I received an ER bill in excess of {$5000.00}. When I applied for XXXX through the 'brand new ' ( at the time ) XXXX XXXX healthcare exchange, a number of problems occurred outside my control with the system and it 's implementation. Eventually, XXXX corrected the errors and said they would pay for my bill. By the time they admitted to their mistake, the hospital sent my bill to a collection agency. 

I contacted the collection agency with a Eligibility Letter of Authorization dated XX/XX/XXXX where they told me they " could not send paper bills '' and " tried to charge XXXX electronically but were denied. '' They requested that I, as the consumer, bill XXXX directly and just pay them with my own money as I could be reimbursed by XXXX. This I know is not true. They are refusing to use the actual way to pay the bill.
Product: Credit reporting

whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from XXXX to XXXX says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Equifax replied to a complaint that I had filed with the CFPB. The company stated that the original creditor verified that the account belonged to me and the amount of the debt was accurate. What amount of debt? The account was closed, yes, but I paid the account in full. Furthermore, the account was reinstated, and I sent Equifax proof of this. I also uploaded a copy of the letter in the CFPB portal. Equifax DID NOT VERIFY ANYTHING! My account is still open, and I am actively using my card and making payments on my card. XXXX XXXX bank stated that they informed the credit bureaus that my account was reinstated. How did Equifax Verify an account that included debt, though there was a XXXX balance, and how did they verify the account as closed, when in fact, it has been reinstated? I guess I need to seek the advice of an attorney and contact the CFPB ombudsmen! 
How is it that I have a statement from this month and an acknowledgement of payment for this month that I uploaded to the portal. Did Equifax respond to a CFPB complaint with a false claim that they verified this account through XXXX XXXX XXXX? If not, then how do we explain my account as still open and active and acknowledgement of payment received? How do we explain the copy of the letter from XXXX XXXX XXXX  stating that they reinstated my account after receiving a complaint from the Currency of Comptroller 's Office? Something just isn't adding up here now is it, Equifax??!! 
As a matter in fact, I just received a credit increase, and my new limit is {$700.00}. 
I have AMPLE proof of everything that I just stated, I hope Equifax has ample proof that they verified their inaccurate, incomplete, and false information on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a dispute letter to TransUnion, requesting specific information on how they verified the accuracy of the bankruptcy reporting and other inaccurate information on my credit report. 

Details of the Dispute : 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 Reference Number : XXXX Despite my clear and thorough request, and the provision of my driver 's license, a copy of my Social Security card, and proof of address, I have not received any response from TransUnion. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Debt collection

As a follow up to a previous complaint i was again threatened by HUNTER WARFIELD legal team member on XX/XX/2020 during a phone call where the male legal team member stated 'you just wasted a perfectly good cfpb complaint ' and further accused me of baseless claims.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

Dear Consumer Financial Protection Bureau, I XXXX XXXX is writing to file a formal complaint against Equifax for their failure to address a dispute I filed regarding fraudulent items on my consumer credit report, which resulted from a data breach exposing my personal information. I believe XXXX actions violate the Fair Credit Reporting Act ( FCRA ) and have caused me significant harm. 
On XX/XX/year>, I filed a dispute with Equifax regarding fraudulent items on my credit report. These fraudulent entries are the result of my personal information being exposed in a data breach. Equifax acknowledged receipt of my dispute but has failed to proceed with removing the identified fraudulent items within the time frame required by the FCRA. As of today, these inaccuracies remain on my credit report, despite my providing sufficient evidence of the fraudulent nature of these items.