23daVinci/CFPB_Complaints huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : 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 Section 2 : It also states a consumer reporting agency can not furnish an 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

I am writing to file a formal complaint regarding the ongoing challenges I have faced in attempting to correct late open accounts on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration. 

These inaccuracies are negatively impacting your credit score and causing financial distress. 

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information. 

I am requesting that you investigate this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the late open accounts. 

I am deeply frustrated by the continued presence of these late open accounts on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00}.
Product: Debt collection

I have previously filed complaints and attempted to resolve this with XXXX XXXX XXXX.

The account has now been sent to a MRS BPO, L.L.C. collection agency for collections.

I am including a letter for review.
Product: Credit reporting or other personal consumer reports

I was never late and these consumer reporting agencies are claiming that I was. I want proof that I was ever late and if they can not provide it then I demand that they reverse the late payments immediately.
Product: Credit card

I made a purchase of XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXX then I applied to the a XXXX  card for my purchase that was XXXXXXXX XXXX XXXX deferred XXXX with the original amount of XXXX dollars. 

On XX/XX/XXXX I did an exchange due that XXXX were out of stock with some of my XXXX. My total XXXX purchase was XXXX I paid XXXX  XXXX dollars. 
the total financed at the end was : XXXX XXXX XXXX to over XXXX XXXX on XXXX. My XXXX payment was received on XX/XX/XXXX and my XXXX was XXXX XXXX the them. 
On XXXX, and statements my account was XXXX. XXXX XXXX was not created nor send to me. 

On XXXX of XXXX I notice I had a XXXX on my XXXX XXXX again with a balance of XXXX purchase date of XX/XX/XXXX. 
I called the XXXX XXXX and I made a complain, and open a XXXX. They said it would take XXXX to XXXX days to be resolved. I called again on the XXXX of XXXX and they said that the purchase was done by me and had proof of it. I requested the letter with the proof of purchase. Then, I received via XXXXl the copy of the purchase that says with date of XX/XX/XXXX and XXXX XXXX of the same XXXX purchase on XX/XX/XXXX not on XX/XX/XXXX as they said. They reported to my XXXX  the amount of XXXX. I did called again and told them that what they said is not what they are claiming I purchase on XX/XX/XXXX that does I same items I did XXXX XXXX I opened another XXXX but they have not done anything and continue changing XXXX fees to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX - XXXX Account number : XXXX Account name : XXXX - XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX
Product: Payday loan, title loan, or personal loan

Consumer needs loans approved me for XXXX $ then I was at XXXX tp go get my money from money gram then they told me to purchase a XXXX play card for XXXX $ and I did and sent them the information and now they said my loan was denied
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items b delted to correct my credit report. I reprted the theft of my identity to the Federal Trade CommiSsion and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting or other personal consumer reports

Reached out then several times via app and phone number. They never removed any information from my credit report. They also do throughly do investigations! XXXX quickly replies nothing will be removed but can not validate any information when asked. 

XXXX XXXX $ and XXXX $ XXXX -Paulding XXXX $ and XXXX XXXX $ XXXX XXXX $ XXXX C XXXX $
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries listed on my credit report, as I have been a victim of a data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please remove the following accounts from my report : Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Claim number XXXX. Current creditors FPC account XXXX XXXX XXXX. Balance XXXX and XXXX I DO NOT KNOW WHAT YHIS IS I HAVE NEVER FOOK ANYTHING OUT! SOMEONE IS USIMG MY IDENTITY PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical collection negative account on my credit report. I wrote validation letters to the collection agency and the two credit bureaus that posted the negative items. The collection agency responded, but did not provide any validation info. One bureau removed the negative item after my letter dated XX/XX/2022. ( XXXX ) The other bureau did not. ( Equifax ) The account in question is listed below : COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX. {$300.00} STATUS DATE : XX/XX/2022 A second letter dated XX/XX/2022 to XXXX and Equifax to resolve this issue have not been answered. I appeal to you that if XXXX can not validate this alleged debt, then Equiax remove it immediately from my credit report. Thank you. 

best regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint because there are inaccurate accounts that I have disputed with Experian that still remains incomplete and inaccurate as it still misses the same payments I have disputed and is still inaccurate hosting the same inaccurately reported account that reports late payments while the account is currently closed. For these accounts Experian stated remains as the dispute results while the accounts are currently inaccurate. EXPERIAN is in direct violation of the FCRA and has failed to conduct a reasonable reinvestigation. Remove the following accounts for direct violation of 15 USC 1681e ( b ). I want the accounts removed immediately. ( b ) ACCURACY OF REPORT 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 to whom the report relates. This company also failed to provide notice that the account XXXX XXXX was dispute in the payment summary per 15 USC 1681i ( c ) ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there are reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt in sending a CFPB Complaint and it has come to my attention that the three Credit Bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. The fact is, I would like to file a case against the 3 credit bureaus for violations of the FCRA Section 605b. I demand an immediate investigation into these violations and appropriate remedies as per ther law. Please help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

l amwriting to delete the following information from my file. the items l deleted are listed in the report l am a big team of identity theft and l did not make the charge. l reported the theft of my identity to the federal trade commission identity, theft, affidavit. 
please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

Legal Violations & Supporting Case Laws : Unverifiable Collections Per FTC XXXX XXXX, No. XXXX, XXXX failed to verify debts before reporting. 

Fraudulent Identity Theft Accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) establishes liability for failing to block fraudulent accounts. 

Failure to Follow Dispute Instructions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) holds that the CRA must respect written disputes. 

Requested Actions : Immediately delete all unverifiable, unauthorized, and duplicate accounts from my credit report. 

Provide me with documentation verifying the accuracy of each disputed account. If verification can not be provided, remove the accounts as per FCRA 1681i ( a ) ( 5 ). 

Cease and desist any further reporting of these accounts unless validated. 

Provide a written response within XXXX  days as required by FCRA 1681i ( a ) ( 1 ).

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action for damages under 15 U.S.C. 1681n. 



XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX  XXXX  Account Number # XXXX XXXX/XXXX  XXXX Account # XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account # XXXX XXXX/XXXX  Account Number XXXX XXXX XXXX  Account # XXXX Violation : This account is unverifiable and lacks proper documentation in compliance with FCRA Section 609 ( a ) ( 1 ) and FCRA Section 611 ( a ) ( 5 ). XXXX XXXX v. TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), you are required to conduct an independent investigation, not merely rely on the furnishers data. 


Violation : The account was charged off and written off, meaning it is no longer legally collectible as per IRS guidelines ( 26 U.S. Code 61 ( a ) ( 12 ) ), which dictates that charged-off debts are considered forgiven and should not be reported. Per XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), inaccurate and misleading reporting causes material harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite many written requests, the unverified items listed below continue to appear on my credit report in contravention of federal law. Both Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) stipulate that these materials must be authenticated. If you do not validate these goods, I will file a lawsuit against them. Please abide with the law so that we can resolve this swiftly. I need the following items to be corrected from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent them proof and thats still using it like its me no proof of anything similar name
Product: Debt collection

I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX | XXXX Date : XX/XX/year> Credit Report Number : XXXX Subject : Request for Correction of Inaccurate Information in My Credit Report Under the FCRA and Response to the Letter Sent by TransUnion To the TransUnion Consumer Relations Team : I am writing this letter in direct response to the communication received from you dated XX/XX/year>, identified with the number XXXX. It is unacceptable that you are requesting more information when I have previously provided sufficient details proving that the name variations and addresses on my report are incorrect. As a consumer, I demand that this situation be resolved within the timeframe stipulated by the law, and no more time be wasted on unnecessary procedures. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to ensure that the information on my report is accurate and complete. You are obligated to investigate disputed information within XXXX XXXX and correct any inaccuracies. 

1. Federal Legal Basis : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i - Reinvestigation of Disputed Information : Under this section, TransUnion has the responsibility to investigate and correct any unverifiable or inaccurate information. Further delays should not occur. 
2. Details of the Dispute : Incorrect Names on the Report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX The correct name is XXXX XXXX XXXX XXXX. I request that these incorrect variations be removed and only my correct name be retained. 

Incorrect Addresses on the Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX The only correct address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The other addresses must be immediately removed as they do not belong to my history. 

3. Supporting Documentation : I am attaching a copy of my ID and proof of residence to facilitate the validation of my identity and expedite the correction process. I also include documents that support my claim. 

4. Request for Action : Based on the regulations mentioned above, I request that : The incorrect name variations be removed. 
The addresses that do not match my history be deleted. 
I receive written notification of the results of the investigation, as required by the FCRA. 
If the disputed information can not be verified, I request that it be removed from my credit report immediately. 
As a consumer, I demand that no more time be wasted on unnecessary procedures and that the information be corrected within the legally established timeframe.
Product: Credit card

Raymour & Flanigan /Td retail card services. Consumer states that this account was closed in 2022 with TD Retail Card Services. Account was closed due to misleading, billing and interest, that was not disclosed with Consumer. TD retail card services continued to bill Consumer without coming to an agreement. There as been a big billing error and Banking error with this company. TD Retail card services continues to violate the banking act laws. TD continues to ignore the fact that this account was closed 2022 and has never established a settlement with consumer. Billing errors on this account has been reported before.
Product: Credit card or prepaid card

To whom it may concern, I have an account from SYNCB/PC RICHARDS that was paid in full and closed and is still listed on all of my credit reports.

I called several times regarding this and was told by SYNCB/PC RICHARDS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( SYNCB/PC RICHARDS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised. 

Card Detail : SYNCB/PC RICHARDS Opened XX/XX/XXXX ( 18 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

BWW LAW GROUP IS ATTEMPTING FOR THE SECOND TIME TO ERRONEOUS FORECLOSE ON US BASED ON SOMEBODY ELSES HOUSE. THEY HAVE SET A SALE DATE ON XX/XX/year>. IF THEY HAD BOTHERED TO VERIFY WHAT THEY ARE DOING, THEY WOULD SEE THAT THE NAME, BANK, NOTE, AMOUNT, ETC, ARE ALL DIFFERENT FROM THE SAME INFORMATION ABOUT OUR HOUSE. IT APPEARS THAT, BECAUSE MY MOTHERS MAIL IS BEING FORWARDED TO OUR ADDRESS, A MIX UP HAS OCCURRED AND OUR ADDRESS HAS BEEN CONFUSED WITH HER ADDRESS, WHICH IS DIFFERENT. MY MOTHERS HOUSE IS IN FORECLOSURE, AND THIS HAS BEEN CONFUSED WITH OUR HOUISE, RESULTING IN THE SAME SALE DATES BEING GENERATED FOR BOTH HOUSES. I HAVE HIRED A COMPANY TO HELP ME WITH RESTRUCTERING OF THE MORTGAGE. THEY HAVE STARTED THE PROCESS, WHICH IS CURRENTLY ACTIVE. NO FORECLOSURE ACTIONS SHOULD BE OCCURING DURING THIS PROCESS. THIS IS A VERY SERIOUS ERROR THAT MUST BE ADDRESSED IMMEDIATELY. IN ADDITION TO HAVING THE SAME EXACT THING HAPPENING LAST MONTH, I RECEIVED A DOCUMENT JUST BEFORE THE CURRENT EVENT STARTED SHOWING HOW THE INFORMATION HAS BEEN MIXED UP. THE DOCUMENT IS ATTACHED ALLONG WITH A TIMELY SENT AND RECEIVED NOTICE OF ERROR.
Product: Debt or credit management

I have XXXX or XXXX accts with XXXX and Midland Credit. I have contacted both regarding my account with these XXXXXXXX XXXX XXXX  They have my case as XXXX and that is not valid. They have denied me any documentation I have asked for and I am in a position where its important this is corrected immediately! I thank you and pray these are removed from my credit since they are false and invalid! Thank you, XXXX XXXX