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

Subject : Notice of Dispute Regarding Inaccurate Bankruptcy Records To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading bankruptcy information currently being reported on my consumer report. This information is incomplete, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and completeness in consumer reporting.

The disputed bankruptcies are as follows : Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Bankruptcy Filing Number : XXXX Filing Date : XX/XX/XXXX Disposition : Dismissed Disposition Date : XX/XX/XXXX Why This Information Is Inaccurate Both of these bankruptcies were dismissed, meaning they are legally invalid and should not appear as unresolved or active on my consumer report. Reporting this inaccurate information harms my financial reputation and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting.

Actions Required Under FCRA 611 ( a ), I am requesting the following actions : Conduct a thorough reinvestigation of the disputed bankruptcy information.

Verify the accuracy of the information with the original source.

Remove these records immediately from my credit report if they can not be verified or are inaccurate.

Additionally, please provide me with written confirmation of the results of your reinvestigation and a statement that these records have been deleted, if applicable.

This dispute is made pursuant to my rights under the FCRA. You are required to complete your reinvestigation within 30 days of receipt of this letter. Failure to do so will be considered noncompliance with federal law, and I will take further action if necessary.

Please send all written responses to my address or via email at XXXX. 

Thank you for your immediate attention to this matter. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX # XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account name : XXXX - XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX - XXXX XXXX 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 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

THE ONLY ADDRESS THAT SHOULD BE ON MY CREDIT REPORT WITH EXPERIAN IS XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex I HAVE DISPUTED THE INCORRECT AND WRONG ADRESSSES ON FILE THEY STILL HAVE NOT REMOVED THEM, I HAVE NEVER LIVED OR ASSOCIATED WITH THOSE ADRESSSES XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex  XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX for someone else. the check deposited into my account on XX/XX/XXXX and i sent it to the person who asked me to deposit the check. The check bounced and now my account is negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 Trans union 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes  which antedates the report by more than seven years 15. u.s.c . 1681 s-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

On XX/XX/2022, and again on XX/XX/2022 I filed disputes with all 3 credit bureaus XXXX XXXX XXXX, Experian, and XXXX. I disputed XXXX items on my credit reports that are not mine. They are : XXXX. XXXX XXXX account # XXXX Account is not mine. 
XXXX credit XXXX XXXX XXXX XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX #. XXXX, ACCOUNT IS NOT MINE. 
XXXX. XXXX XXXXXXXX. ACCOUNT NUMBER XXXX. ACCOUNT IS NOT MINE. I HAVE SUBMITTED ALL PROBER PAPERWORK AND PROOF AND HAVENT HEARD ANYTHING BACK REGARDING THESR CLAIMS. PLEASE HAVE TH ROVE THESE FALSE ITS FROM MY REPORTS, THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an incorrect entry in my credit report and XXXX  and XXXX  remove the erroneous information however Experian will not and they suggest I use one of their products called " Experian boost '' to raise my credit score. I believe Experian is inappropriately reporting lower FICO scores and then having people raise those credit scores by using Experian boost. This fits the definition of racketeering. They create a problem by artificially lowering the credit score and then recommend people fix the problem by using Experian boost. If they didn't artificially lower the credit scores to begin with sometimes 100 points lower than XXXX  or XXXX  ... People wouldn't need to use Experian boost.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Fraudulent INQUIRIES XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX  DATE XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked experian to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # XXXXon my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year, I consistently have issues receiving a free copy of my Equifax report online. Furthermore, I have issues submitting disputes online ... this problem is ongoing and consistent and I have noted that it is not exclusive to me. Everyone I know has the same problems ... their website is always down. I would like to see CFPB crack down on this lingering issue. It should not be difficult for a consumer to access their own report, and it should be completely FREE and available online.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) is a government agency tasked with protecting consumers in the financial marketplace. If your credit report indicates inaccurate addresses and accounts upon review, it's important to notify the CFPB promptly. Inaccurate information can affect your credit score and ability to obtain credit, loans, or even employment. By contacting the CFPB, you're taking proactive steps to correct any errors and safeguard your financial reputation. They can investigate the discrepancies and work with credit reporting agencies to rectify the inaccuracies, ensuring your credit report reflects correct and up-to-date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXXnd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  : {$1500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 those account 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.

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: Student loan

My loans were in an admin forbarence due to the change from Mohela to dept of education NOT because of save program. I was told during that switch time from XXXX to XXXX that my forbarence time would count as it was due to admin change. I get my count today and the months are now saying not eligible due to the forbarence.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a international bank transfer thru World Remit for a total of {$800.00} for transfer to XXXX to my wife 's bank account, XXXX XXXX. My wife 's contact information, bank account number and bank routing number and swift code are all correct. I have a receipt and an on line account with World Remit. The money transfer was not and has not posted to my wife 's bank account as of today, XX/XX/XXXX. I have filed notices with World Remit Customer Service via phone and e-mail since XX/XX/XXXX and have very limited response other then they are waiting to hear from XXXX XXXX as of XXXX XXXX. I have received no updates or questions about this transaction since. 

Thank you for your help in this matter XXXX XXXX XXXX Ref : E-mail from World Remit XX/XX/XXXX Hi XXXX, Thank you for contacting us. 

This is regarding your transaction XXXX. We understand the importance of your request and apologies about this matter. We have sent an email to our local partner to check on the funds not yet credited to your recipient 's account. We are waiting for their response. No worries, we will send you an email as soon as we receive their response. 

If you haven't already, try downloading our mobile app, where you can track the status of your transaction from the Transaction History tab. 

If you have any further questions, you can check out our Frequently Asked Questions here. 

Kind regards, XXXX XXXX WorldRemit Customer Service
Product: Credit card

I use the Citibank card to collect miles on XXXX XXXX. As a result, this card is what I primarily use to pay bills and make purchases. Because my credit limit is insufficient to support my spending on that account each month, I will often make multiple payments throughout the month as needed. Though Citibank is quick to apply all spending, they are very slow to apply payments to my account. Often, they hold my funds for up to two weeks without, despite my ability to show the payment has cleared my bank. I am told it's the size of the payments, but even that answer does not explain the various holds. When pressed, I get different answers, depending on who I get on the line. No one has ever given a clear reason as to why there is a hold in the first place, other than stating " it's our policy '' or " it's a systemic hold. '' In addition, customer service on the " management '' level is abhorrent. When I ask to speak with a supervisor, that supervisor responds as though I dare question anything they do. If I can not get an answer, they refuse to transfer me to their supervisor. On my latest phone call today ( XX/XX/XXXX ), XXXX refused to give me an answer as to why there was a hold on my account. A large payment to Citicard cleared my account 6 days earlier on XX/XX/XXXX. Despite me telling him I could send proof, he said he could not remove the hold in time to take advantage of XXXX XXXX  sales. In fact, the hold would not be removed until XX/XX/XXXX! When I informed him the holds have been removed in the past if I could prove payment cleared my account, he said it did not matter because he could not do it in the case. When pressed as to why, he said nothing more than " it's a systemic hold '' and told me there was absolutely no one else I could talk to. Absolutely no one, he said. Wow.
Product: Credit reporting or other personal consumer reports

The addresses on my credit report do not belong to me. I currently have one address only, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Any other address should be removed from my credit report. As per XXXX and Experian, they're currently reporting old/incorrect address on my credit report which are : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I disputed entry re a debt. This debt should be deleted because it is over XXXX years old. The original debtor, XXXX should have deleted this info on XXXX. 
The XXXX XXXX XXXX should also have deleted this info from my credit report.