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

I have filed multiple disputes with transunion XXXX  and XXXX  about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XXXX 2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate and false information from my file.
Product: Debt collection

I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.
Product: Credit reporting or other personal consumer reports

I was absolutely stunned to see inaccurate accounts appear on my credit report this evening, and I have no clue how this could happen. I check my credit report regularly, but this time there were random errors that completely blindsided me. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. This issue is really troubling, and Im requesting that the documents I've provided be carefully reviewed so that I can stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with American Honda Finance Corporation numerous times from XX/XX/XXXX -  XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XX/XX/XXXX after I made the final payment. I was assured by American Honda Finance Corporation this would not appear on my credit report after the dispute  was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX  - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end.
Product: Credit card

On XX/XX/2023 I noticed an unauthorized charge on my credit card. I contacted Chase Customer Service to report the issue and have the card reissued. The rep on the phone stated she would send the card via XXXX overnight delivery and I should have my replacement card within XXXX business days. This was important to me as I use my card constantly. After XXXX business days with no card received, I called back to Chase and was told by a supervisor that the card was sent regular mail and I should have the card within XXXX business days. I was very upset and asked the supervisor why the original rep said it was being overnighted when it wasn't? He had no answer except that he stated the calls were all recorded and he would look into it. I advised him I wanted this filed within Chase as an XXXX complaint, which he said he would do and that I would hear back from XXXX Management. I did not receive my replacement cards until XX/XX/2023, and I had to use other companies cards in the interim period. It is now 30 days after the issues and I have not heard anything back from Chase yet, either on the delay in the delivery of my replacement card or on the XXXX complaint. I would like the results of their internal investigation about the original employee that lied to me and didn't follow through as I was advised they would.
Product: Credit reporting or other personal consumer reports

Address are not mine : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX CT XXXX XXXX FL PHONE NUMBERS AREN'T MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEVERAL EMPLOYERS AREN'T AFFILIATED With ME AS WELL IT STATES I HAVE BEEN IN YOUR FILES SINCE XXXX THATS EXACTLY WHERE THE IDENTITY THEFT STARTED *XXXX XXXX XXXX XXXX ( I have had a car insurance company for a long time never had to look for another/this is not my inquiry XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND THE LIST GOES ON
Product: Credit reporting or other personal consumer reports

Immediate Demand for Block and Deletion of Identity Theft Information I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX This is not a mere request ; it is a non-negotiable demand. The identified transactions are unrelated to any transactions conducted by me as the consumer. I insist that you promptly take action to rectify this egregious error within FOUR DAYS from the receipt of this notice. Understand that I expect a WRITTEN response confirming the completion of the block and deletion process. Any delay or inaction on your part will not be tolerated, and I am prepared to take appropriate legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). Fix this immediately and provide an updated copy of my consumer report, free of the unauthorized information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked XXXX to run my credit once, so that i can see what i was approved for. i was approved for XXXX vehicles. maximus shared my private information more than XXXX. they shared it with many financial institutions without my consent or permission causing hard hit to my credit report
Product: Credit card

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXX - XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, and the US Bankruptcy # 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 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, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, ALLY FINANCIAL and onXX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consume
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This correspondence serves as a Negative Averment and formal notification of Intent to Sue on behalf of XXXX XXXX XXXX regarding the issues referenced in your response dated XX/XX/2024, submitted through the Consumer Financial Protection Bureau ( CFPB ) portal.

Your assertion that the disputed information " does not appear '' in XXXX XXXX XXXX XXXX current Experian credit report implies that such information was removed without due explanation. This deletion serves as prima facie evidence that the information was inaccurate or improperly placed on his credit report to begin with. In doing so, your company has violated XXXX XXXX rights under both federal and state consumer protection laws. 
Violations Cited : Fair Credit Reporting Act ( FCRA ) Under the FCRA, 15 U.S.C. 1681 et seq., consumers have the right to expect accurate and verifiable information in their credit reports. By deleting the disputed information without acknowledgment or investigation of its initial placement, you have demonstrated an implicit admission of fault. Specifically : 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed items.

15 U.S.C. 1681e ( b ) requires that agencies follow reasonable procedures to ensure maximum possible accuracy.

Your failure to verify, even after the removal of the item, constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages and costs.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) As this issue occurred in the state of Florida,
we assert violations under Fla. Stat. 501.201 et seq., which prohibits deceptive, unfair, and fraudulent business practices. The deletion of disputed information without transparency may be construed as an attempt to avoid accountability and is grounds for a claim under FDUTPA.
Intent to Sue : If the matter is not remedied and full transparency is not provided within 30 days of receipt of this notice, XXXX XXXX XXXX will pursue litigation, including claims for : Statutory damages under the FCRA and applicable state laws ; Actual damages for harm caused by the erroneous reporting and subsequent deletion without proper explanation ; Punitive damages for willful violations of XXXX XXXX rights ; Legal fees and court costs.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity.

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved.

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 opened my account on XXXX XXXX. As of today, it's been 135 days. I qualified for the XXXX bonus but never recieved it. I spoke with XXXX   representing td bank today, XX/XX/XXXX and shes only aware of a promotion for that for the first 60 days but my paperwork shows 90 days and it's what I was made aware of when I opened my account. I have had almost 1000 in direct deposit since opening. XX/XX/XXXX would of been my 90 days and all of my direct deposits were made from jobs by the end of XXXX.
Product: Student loan

My payments are being applied to the interest instead of splitting it between the principal and the interest. My loan has also increased XXXX and there is no explanation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXXXXXX  and I could not submit my form online with the credit reporting agency I keep getting an error message making it impossible to correct the adverse items on my credit report. 


XXXX Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX 

403 ( 3 ) ( B ) ( i ) of the Credit Repair Organizations Act, 15 U.S.C. 1679a ( 3 ) ( B ) ( i ) ), that : ( A ) Identifies any items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of XXXX in persons or XXXXXXXX XXXX of which the consumer is a victim ; and ( B ) Must contain a preferred method for a consumer reporting agency to contact the consumer electronically or in writing such as an email address or physical address where mail can be received. A consumer reporting agency shall use only the consumer 's preferred method of contact for communications under paragraphs ( d ), ( XXXX ), and ( f ) of this section about the consumer 's submission and shall not use the consumer 's preferred contact information for any other purpose.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled AVID ACCEPTANCE LLC Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

subject : Request for Removal of Closed and Inactive Accounts from Credit Report Dear [ Credit Bureau Name ], I am writing to formally request the removal of closed and inactive accounts from my credit report. These accounts, detailed below, continue to report despite being closed and holding no active balances or activity. This reporting constitutes inaccurate and outdated information that negatively affects my credit profile. 

Closed Accounts Still Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Violations of Credit Reporting Laws : The continued reporting of these accounts violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Reporting closed accounts with no balance or activity fails to meet this standard. 
15 U.S.C. 1681c ( a ) ( 4 ) : Closed accounts with no adverse information should not remain on a report indefinitely. Outdated and irrelevant information must be excluded from reports after an appropriate period. 
Additionally, the reporting of closed accounts violates the Maryland Consumer Protection Act ( 13-301 et seq. ), which prohibits the dissemination of false and misleading information. 

Requested Actions : Immediate removal of all listed closed and inactive accounts from my credit reports. 

A written confirmation from your bureau once the corrections have been made. 
Supporting Documents : I am providing the following to assist in your investigation :. 
Please treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your investigation and resolution within the legally required 30 days. 

Failure to comply with my request may result in further legal action to enforce my rights under the FCRA and Maryland state laws. I trust you will address this matter promptly and ensure my credit report is accurate. 

Thank you for your time and attention to this matter. I look forward to your confirmation of these corrections.
Product: Debt collection

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy.   However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX