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

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
3. Soutter v. Equifax Info. Servs., LLC , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. Dixon-Rollins v. Experian Info. Sols., Inc. , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( 2022 ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. 
Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of these account ( s ) : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed a charge of {$660.00} on my bank statement from the XXXX XXXX in XXXX XXXX, XXXX. Since I did not stay at this XXXX I contacted the XXXX staff to inform them of the unauthorized charge and requested a refund. Despite my efforts, no further actions were taken by the XXXX. 

I then contacted my bank, Navy Federal, to dispute the charge. Navy Federal initially provided a temporary credit for the disputed amount but later reversed this credit, stating that no error was found. When I requested an explanation of the investigation and the measures taken, no documents or detailed information were provided by Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to an agent on yesterday at TransUnion regarding an account that was reporting as fraud on my credit report XXXX XXXX XXXX XXXX. It has been disputed before, and Transunion has came back and stated that it was verified. I even provided a FTC Statement to validate this item as fraud. At this point Transunion has violated my rights according to the FCRA. 

In accordance with the fair credit reporting act Transunion has violated my rights. 

15 USC 1681 Section 602 states I the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions. 

15USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( XXXX ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the Transunion report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. XXXX was notified about this issue in early XX/XX/XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the XXXX letter, and a copy of the Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to remove and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXXXX/XX/XXXX
Product: Checking or savings account

I have three accounts with citibank, two checking and one savings account. Today I received a message stating that my online access to my account was locked and that I needed to call the fraud prevention line to unlock my account. When I called I was told all my accounts had been closed ( with my money in it ) did not not explain reason and that my money will be refunded in checks. I was due to pay rent today and now I do not have access to any of my funds. They will not explain, I have had my account with citibank since XXXX  no issue what so over. I have never been involved in any type of fraudulent behavior the source of funds for these accounts are direct payments from my employer. After I received no information or assistance from the fraud prevention team. I called the Citi Executive Response Unit spoke to Rep called XXXX and she opened a complaint for me REF # XXXX. I was due to pay rent today and I am not sure if the payment went through due to the unfair status of my account.
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 instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

In XXXX I changed my service from XXXX XXXX to XXXX XXXX because I could not afford the high bill and I was XXXX years old, collecting social security. I received a huge bill not accounting for the charges. I asked for proof of the charges and never received anything. Then, now in XXXX, 8 years later in XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc., trying to collect {$540.00}. After several attempts, being put on hold, disconnected, then referred to Texas, I spoke with XXXX XXXX, advised her this was 8 years ago and I never received proof of charges and was not paying and I would refer to my attorney. She was very rude. I am almost XXXX, XXXX XXXX and live on a low fixed income. Please help me if you can. I am sure the statute of limitations after 8 years has run.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit agencies several times and nothing seems to be done about this. There are unknown accounts which have no validation and names listed I have never used. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Names XXXX XXXX and XXXX XXXX I have never used these names nor have ever been called these names. Remove and any accounts associated with
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

I have disputed XXXX Chapter XXXX BK 's with XXXX Balances and a Tax lien that does not belong to me. I called XXXX that they are getting this info from that was on my Equifax credit report. They told me the last time Equifax received information from them was in XX/XX/XXXX. I have been disputing the BK issues since XX/XX/XXXX. I have repeatedly asked them to show me proof with my signature that those BK belong to me, They need to pull a new report from Lexis Nexis and show me proof with my signature, I already called the BK Courts and they clearly stated to me that they do not report to any credit agency. Information on BK filings can be incorrect. If this is n't done then I will fill another small claims suit against them. I already filed a lawsuit against XXXX XXXX XXXX the CEO of Equifax adding this tax lien on my credit report, the court case is XX/XX/XXXX. He has already been served. I will do the same if those XXXX BK 's and tax lien on my credit report are n't removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened accounts with XXXX XXXX and XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX  balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to support @ XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with XXXX on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to XXXX, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.
Product: Credit reporting

I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes. The current CFPB lawsuit rings true to my experiences using the platform over the last several years. Despite reporting discrepancies, the company failed to investigate and claimed it was impossible to recover lost funds. I believe I was one of the many vulnerable victims of repeat scammers who took advantage of Zelles lack of action/resolution when it came to disputes. I am concerned about consumer safety and hope Zelle is finally held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is inaccurately reporting information that I have previously advised was not mine. I have disputed these items for months and despite the company starting it was mine, they have been unable to verify this debt and are unwilling to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting

I have XXXX XXXX Bank account ending in # XXXX appearing on my Equifax credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX XXXX that states that the account should be removed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) SCREENING REPORTS XXXX open date XXXX XXXX XXXX XXXXXXXX XXXXXXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to New American Funding regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX XXXX  and XXXX  to prove proof of this as well and have received only a generic letter stating that New American Funding has " verified as accurate ''. How can New American Funding verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Equifax, XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. XXXX and Equifax Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts and credit inquiries listed on my Equifax and XXXX XXXX credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX. XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting

I currently have an account on my credit report from XXXX XXXX that I did not authorize to open with a current balance of {$950.00} that has been sent to collections, the reason this account was sent to collections is because I was informed a payment was never made on this account from the day that this account was opened because I never authorized the account. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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.