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

I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau. 

I am exercising my rights under the FCRA, specifically invoking Section XXXX, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. 

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Debt collection

XXXX XXXX, XXXX XXXX called me ( I am the XXXX for XXXX XXXX ) on XX/XX/XXXX. Said they are calling about a XXXX XXXX account from XXXX XXXX did not know what this was for. He told me that on XX/XX/XXXX and told my mother the same thing. My mother has XXXX and would have no way of knowing what this was for. I asked for proof and an agreement letter was emailed to me. I sent a response on XX/XX/XXXX. We have never heard anything else. Today, XX/XX/XXXX, someone called, I do not know her name. The telephone number was XXXX and she said she was calling from Pennsylvania. She told me that they own this debt and I had talked to her co worker. I told her that my mother doesn't owe them anything. She told me that at the end of the day my saying that means that it is owed and is a refusal to pay. They bought something that is not owed and they are trying to get my mother and/or me to pay for this. My sister paid an account in XXXX for my mother to XXXX XXXX but we have no proof because it was so long ago. My parents filed bankruptcy in XXXX and XXXX, XXXX XXXX pointed that out in our conversation. If this debt was owed in XXXX it would have been included in a bankruptcy We have never heard from this company or XXXX XXXX until XXXX of XXXX. My parents were removed from their home in XXXX and placed in the care of social services until I brought them to Virginia. I need someone to help with this harassment by USI for something that is not a valid debt. Copies attached.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REMOVE FRAUD ALERT FROM EXPERIAN, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Someone used my personal information to try to obtain credit cards and automobiles which caused several inquiries that was not authorized by me the following inquiries are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ACCOUNTS : XXXX XXXX account # XXXX open date XX/XX/XXXX {$800.00} XXXX XXXX Open date XX/XX/XXXX account # XXXX {$140.00}
Product: Checking or savings account

XX/XX/2019at approx XXXX XX/XX/XXXX, I withdrew {$400.00} from the ATM in XXXX XXXX XXXX, and that the machine glitched because i had organically asked for {$600.00} but was denied ( was not on the receipt they sent me ) the ATM is owned by US bank, the money was never dispensed from the ATM machine, I filed a complaint with my bank XXXX, and they investigated, after the investigation US bank showed a receipt that the money was dispensed but it wasn't. anyway I asked them to check the video, after getting the run around of who has the video and speaking to to someone at Ballys, US bank, who said they dont have access to the cameras, HOW DO YOU NOT HAVE ACCESS TO THE CAMERAS?????? to check and see that the money didn't come out, anyway after all the phone calls and writing to a few places that was recommend by better get XXXX from XXXX, I have now been sent here. since nobody seems to be able to help me, which i find ridiculous, even when I spoke to someone at US bank he said he doesn't know if they can even access the cameras, UNREAL hopefully u can help me resolce this issue, I have since been back to XX/XX/XXXXXXXX and have withdrawn money from thier ATMs with no problems.
Product: Credit reporting

In XXXX XXXX XXXX, I closed on XXXX short sales in California. The closing negotiator of each banking institution ( there were XXXX lenders involved ), agreed to post the short sales on my credit reports to read : " paid/settled in full for less than the full balance. '' To my dismay, all XXXX credit reporting agencies did not adhere to the terms agreed upon, and listed my short sales as derogatory and delinquent on all three credit reports. I filed a congressional inquiry against all the banks, and won my case on XXXX XXXX, XXXX ( please see XXXX letter attached ). XXXX submitted their request to the credit reporting agencies to update my credit report immediately. Though all three credit reporting agencies updated my credit reports, the reports read as if the short sales took place in XXXX of XXXX and not XXXX of XXXX. So, the seven year period of adversity started ticking in XXXX, not in XXXX, FOUR years after the initial short sales closed. I followed up again with XXXX XXXX, Executive Response Specialist at XXXX, and she helped me rectify the issue, and the XXXX credit reporting agencies are supposed to correct the information. I ran XXXX of my free credit reports in XXXX of XXXX, but would like to follow up with all XXXX credit reporting agencies as I am interested in finding out the current status of my credit reports. Could you help me XXXX more copy of my latest credit reports from all XXXX reporting agencies, please? Thank you. Please note I moved to the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX
Product: Debt collection

Portfolio recovery states and account was open with a balance of {$270.00} XX/XX/year> and I have no knowledge. I dont have any contractual agreement with them therefore it goes against USC 15 262..
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. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # 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: Debt collection

Emailed by someone named XXXX XXXX presenting themselves as an attorney for Speedy cash service department of payday loan. They state that I will be legally prosecuted in the Court House within a couple of days. My supposed charges are : UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER They also state that my 'case ' is under investigtation with major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] 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 : Account Name : [ XXXX Account Number : XXXX ] Reason : [ need late payments removed asap, ] 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 k ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Transunion represenative who refused to remove these inaccurate Hard Inquires from my credit report..I was even transferred to the fraud dept and I informed them that these are not my inquiries and they did not seem to care.. XXXX  has already removed these inquires from my credit report ... 
The following inquiries that should not be on my report are I did not authorize 1. XXXX  XXXX  XXXX XXXX 2. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I am writing this in regards to my Zelle claim # XXXX I have made this claim on XXXX XXXX XXXX when I saw that all my money from my account was sent to XXXX through Zelle. I did not authorize this transaction. When I spoke to an associate and found out my claim had been denied the associate told me that I would need proof showing that my device has a virus or malware or that I did not make the transaction. On XX/XX/XXXX I spoke to the fraud department because my mobile banking was froze due to someone trying to make a Zelle transfer for XXXX. 
I would appreciate for you to take all this information into consideration for my claim.
Product: Vehicle loan or lease

I hereby did not authorized these accounts I do not know how they got my information.
Product: Debt collection

I 've notified this company in writing of my XXXX status which exempts me from collection attempts yet I 'm still receiving calls and Mail regarding this closed account with XXXX XXXX bank
Product: Checking or savings account

My husband deposited his check into my account and they immediately froze my account and would not unlock it today. They made me send all personal information and even a notarized document stating that my husband could deposit his check into my account I spent XXXX hours on the phone for nothing to be resolved and for them to tell me they could hold my check until whenever they were done resolving the issue. Laureal road bank did this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION FOR EACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED FOR DELETION IMMEDIATELY ( XXXX accounts ) & UPDATE IN THE ENTIRE PAYMENT HISTORY, PAID AS AGREED, NEVER LATE, PAID ON TIME ( XXXX accounts ). YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) UPDATE THESE ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID AS AGREED, NEVER LATE, PAID ONTIME : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed XXXX account and transferred money to another account. Then I tried to withdraw but was told they would have to authorize it first and then call me. But they never called me. I had to make another appointment so that I can take money out of my account. I dont wish to do my banking with this bank anymore. I want to take my money out of my account. I dont wish to have my money in this bank anymore. Before I use to be able to go the bank to take money out. But now the bank wont let me take any money out unless it is a check only with my name only on the check. They think I am doing something illegal which I am not. But they are preventing me from taking my money out when I need it.
Product: Mortgage

I purchase a property in XXXX and the Title company has sent the wrong bank routing number to Fay Serving. 

How they have charged me almost {$330.00} in late fees and this will impact my credit score with the beareas. 

Can you please ask them to fix this mistake and remove late fees. 

Dear XXXX, I appreciate your assistance on this matter. 

Please note the routing number on the form was NEVER completed by me and it was done by the title company. 

Now I have to waste my time to fix this, due to NO fault of mine. 

Also, I want to lodge a formal complaint about XXXX in Asset Management and please let me know how this can be done. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of several fraudulent accounts and inquiries from my credit report. As a recent victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items removed. 
The following accounts were fraudulently opened and should be removed : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$28000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} Additionally, I request the deletion of the following unauthorized inquiries : XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : Also states a consumer reporting agency can not furnish an account without my written instruction or consent.
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. 

XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 dont remember when I disbuted the address at XXXX XXXX XXXX XXXXXXXX has not one of my addresses
Product: Debt collection

The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed