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

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. KIndly help me remove the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request to Remove Inaccurate Information under Section 609 of the FCRA Dear Experian, I am writing to formally dispute the accuracy of certain information on my credit report, as permitted under Section 609 of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified several inaccuracies that require immediate correction and removal.

In accordance with my rights under Section 609, I request the following : Removal of Inaccurate Information I have enclosed a copy of my recent credit report with items highlighted that I believe to be incorrect or unverifiable. I request that these items be deleted or corrected, as they are misleading and damaging. In accordance with FCRA guidelines, if you can not verify the accuracy of these items, please remove them from my report promptly.

Cease and Desist Unauthorized Verification via e-OSCAR.

I demand that you refrain from using the e-OSCAR system to verify these items. Instead, please contact the original creditors directly to verify the information and provide me with the contact person information in a fair and complete manner. This ensures my right to a thorough and accurate investigation, not reliant on automated systems.

No Additional Notes or Remarks on My Credit Report.

Please refrain from adding any notes or remarks to my credit report regarding this dispute or any other comments that may negatively impact my credit score.

Provide an Updated Copy of My Credit Report Once the inaccuracies have been corrected, please send me a new copy of my credit report reflecting these changes.

Details of Inaccurate Information : XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX, account # XXXX Please treat this request with urgency, as the inaccurate information has already caused unnecessary harm to my credit standing. I expect to receive a response within the timeframes set by the FCRA and look forward to the prompt resolution of this matter.

Thank you for your attention to this important matter.

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

I have been trying to get my consumer report from Early Warning Services for 8 months now. They have a online system that is available to receive a consumer report however they have not sent it to me via their online system and I have mailed them to request my consumer report and they still haven't sent it to me. This is unacceptable. As a consumer, I have the right to know what is on my consumer reports.
Product: Credit reporting

My credit report is showing I am in collections both for XXXX XXXX and XXXX to an address in XXXX MA. The problem is I have never been a subscriber to XXXX and I have never lived outside of XXXX, MA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax improperly shared my credit report and even after receiving a police report, refuse to remove the information from my file XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Product: Credit card

This complaint is against American Express. I've been a pay-to-XXXX  balance member for a long time. On XX/XX/year>, I received an email from American Express, which is printed and attached to this complaint. It said they were conducting a periodic review. Those are normal however rare. What Ive never seen, in the same notification in addition weeks before my bill with a minimum balance was going to arrive, they stated that making a payment of {$270.00} WITHIN 3 days by XX/XX/XXXX would maintain my credit limit balance! I feel like this is a shake-down. It's wrong. I immediately responded to this email. 
My response was a warning. I owed them nothingXXXXuntil my bill asked me for a minimum payment ( or more if I chose ). I stated that I notified American Express by phone of said email, and they told me they could do nothing. I stated that my reply mail response was an official notification response to resolve this issue. I stated that they needed to correct and remove the {$270.00} demand ; if they did not, I would report them. I stated I was not a happy customer and requested they not lower my limit. 
They did not respond to my return email. They lowered my credit limit from {$8000.00} to {$1900.00}, of which I owe a balance of about {$1700.00}. I have received about ten notifications by email and postal mail after the XXXX, warning me that future transactions may be declined if I dont make payments. These are all before my minimum balance bill comes around XX/XX/XXXX. Attached is the latest. Maybe these notifications look/are usually normal close to credit limits. I've never received one since I can remember going back to the XXXX. But after the amount and deadline demand, this is harassment.
Product: Debt collection

A medical Debt owed to XXXX in the original amount of {$930.00} after comprehensive insurance was incurred on XX/XX/XXXX. This debt was paid in full to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX as a part of XXXX medical bills paid in full that day to XXXX. During XX/XX/XXXX, Attorney XXXX XXXX, representing XXXX, on her letterhead from the exact address as XXXX, sent a letter to me demanding payment of the same debt, same creditor, incurred on same date, in the same amount of {$930.00}. Said letter offered me the opportunity to pay to avoid being sued. My husband immediately negotiated a settlement of the debt in the amount of {$650.00} assuming this was a different medical bill. Upon reviewing our financial paperwork before filing our taxes, I discovered that he had in fact paid the same bill on two separate occasions, once onXX/XX/XXXX and again on XX/XX/XXXX. It is the exact same debt and XXXX, through the efforts of Attorney XXXX, who, in full possession of the complete file and collection data and spreadsheets, knowingly and maliciously collected the money twice. They are now refusing any of our attempts to contact them and settle this matter.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Requested credit report several times since identity theft and place a identity theft security freeze
Product: Credit reporting

Experian would not deliver my free credit report after I entered all personal information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 
This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Checking or savings account

XXXX XXXX XXXX Complaint filed with Consumer Finance as advised by CITIBANK fraud department for the deliberate erasing of transactions by CITIBANK workers. Fraud Department stated CEO has to be made aware of CitiBank workers illegal actions. 
Workers changed voice tone on calls. 
Issued XXXX XXXX Refund missing from my account transactions history and daily transactions are erased. The account holder has to continuously call CitiBank to correct the error and update account information. 
Workers call account RECORD. 
" Do you want to see your RECORD? I am not doing all this time! '' XXXX. XXXX XXXX Spoke with representative XXXX whom acknowledged social security and pin in accessing and managing CitiBank account online. XXXX stated that his " higher supports '' would UPDATE my account to reflect the missing/erased refund transaction from XXXX XXXX in the amount of {$150.00} and {$19.00}. It should take " half hour to an hour, '' said XXXX " I can see the transactions in my computer -- try deleting the app and reinstalling it then you may be able to see the updates! '' XXXX XXXX  XXXX XXXX 's 'higher supports ' have yet to update transaction history. 
Federal Refund has yet to be credited to my CitiBank account. 
My account updates and history erasures are manually completed by CITIBANK workers as per CitiBank Fraud Department ; XXXX XXXX XXXXXXXX stated " XXXX XXXX '' XXXX XXXX word for territory expansion. 
XXXX XXXX  Placed on hold with CITIBANK. Young girl in background with XXXX  accent stated " I am just letting you know we are not busy... we just choose to have you wait! '' XXXX. XXXX XXXX Representative stated it has to update into the account. That they do not know when it would be updated. We do not want to see " green '' on your account history. Thus representative stated speaking with a XXXX under tone in XXXX and XXXX " it might be a glitch on the account we might have you wait 24 hours -- -he is a XXXX! '' XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a huge problem for my new job my background is showing 3 different name on my credit report XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.. My name should be listed as XXXX XXXX XXXX please delete any other variations of my name. My only address is : XXXX XXXX XXXX XXXX, NC XXXX. Please delete remove any other address they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
I had this problem before. It seems to never end.
Product: Mortgage

I began the refi process with our current mortgage company in XX/XX/2022. By XX/XX/2022, we had still not gotten anywhere in the process so we canceled the refi and decided to sell our home. We are now under contract with our buyers and also under contract with a seller of our new home. The buyers lender is unable to order the appraisal because Planet Home Lending has not canceled the FHA refi. I have called numerous times to ask them to cancel. The manger in the XXXX department, XXXX XXXX told me on XX/XX/XXXX it was closed on XX/XX/XXXX. As of today XX/XX/XXXX it has still not been closed. I have sent many emails on XX/XX/XXXX as well as many calls to XXXX and his department and they refuse to speak to me. I spoke with 2 different people in customer service and they told me that the refi is still open and unfortunately I have to go through XXXX 's department to get it canceled and closed. I tried calling the XXXX department to speak to a different XXXX and a guy named XXXX answered my call. He said I needed to speak to the service department and transferred me in the middle of my sentence. Customer service was unable to assist since the XXXX is still open, she offered to transfer me directly to XXXX XXXX and when they did, they were told he would not take my call and that someone would contact me by the end of the day. They were just as baffled as me with the lack of customer service in the retention department and shocked they refused to take my call over what should be a simple fix. I have received no help with this company and it might end up costing me the sell and purchase of my new home. I have had my realtor contact them as well. The buyers lender has also gotten involved.
Product: Credit reporting or other personal consumer reports

I have asked and disputed with the credit reporting agencies multiple times to provide info on a few collections showing on my credit report. The collection agency always comes back with the info is correct yet the original creditor XXXX can not validate I owe them any money. I have called XXXX multiple times and they show I have a XXXX balance yet are unable to provide me with a letter stating so. 

There is also XXXX XXXX XXXX that shows the original creditor being another collection agency. XXXX XXXX XXXX XXXX I have never owed either of these companies money and having tried multiple times to dispute this, they provide me no info and the repositories also provide no info other than that the agency verified as correct. I have no idea who the original creditor could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

This was my er and bospital bill that was not billed to my insurance correctly. 
After contacting my insurance rep bill was paid.
Product: Money transfer, virtual currency, or money service

I am writting to formally express my concerns regarding ZELLE 's handling disputes, particularly in light recent CFPB lawsuit highlighting significant issues with the platform. Despite using ZELLE numerous times and reporting discrepcencies, my financial institution at 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 amd raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. 

The disputed accounts are as follows : XXXX  XXXX BALANCE : {$13000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX XXXX  XXXX XXXX XXXX {$12000.00} Status : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX XXXX XXXXXXXX : {$0.00} Status : Closed Account # : XXXXXXXX XXXX XXXX BALANCE : {$0.00} STATUS : OPEN ACCOUNT XXXX XXXXXXXX I request that XXXX provides me with documentation detailing how each of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel.

Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights I will attach supporting documentation of the inquiries on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Error in my Payment History - One Late payment Mark - XXXX : ( Account Number : XXXX - XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you in order to ask you to help me with my problem in my payment schedule. I have never been late in my payments for the car. Recently there was accrued probably error in the bank or poor autopayment policy that resulted in the late payment. I do not know for what month but the late payment mark appeared in XX/XX/XXXX in my credit report. If you download my payment schedule you could see that I have been paying always on time. I am very reliable and accurate person and my credit history is very important for me. 
Please I am kindly asking you to consider the option to remove negative late payment from my credit report. Unfortunately, my score was decreased for XXXX points and it killed my plans about the mortgage for my family. Its very important because I have a big family and I will appreciate your kindness. I wrote few times to XXXX XXXX XXXX but I have not received any answer or help so far. I hope based on my brilliant background with payments you are willing to cooperate with me on erasing this one late mark from my credit report. 
Please remove this one late payment remark from my schedule in credit reporting system. 

Thank you so much in advance for considering my request. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. Thiis is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record