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

I am writing to file a formal complaint against XXXX for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, XXXX is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which XXXX has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that XXXX provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an XXXX  or automated response. If XXXX can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). 

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I called XXXX to remove inquires that I did not authorize. I spoke with a US Rep that was handling my request, and was disconnected. I called back, and got another US Rep, and explained to him what happened, and how the previous rep was deleting ui theorized inquires, and could he continue. He told me that he couldnt do it. I then explained that the other rep was in the process Of deleting these unauthorized inquires. However he didnt care. He did not help me with what the other U.S Rep was more willing to do. These inquires are XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX twice. None of these places had my authorization to pull my credit.
Product: Money transfer, virtual currency, or money service

Cash App ..I Have Called About XXXX Times Within The Last 7 Days. In An Attempt To Transfer My Money Out Of Cash App To My Debit Card It Will Not Take. They Keep Telling Me To Switch Cards... When I Do Same Thing. Customer Service Agents Are Rude And Will Hangup on You. Help!!!
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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.

Experian 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: Credit reporting

XXXX confirmed they are no longer reporting an account on my credit report and should be deleted. 

XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

Our company is a manufacturer of tin cans for paint and twist-off lids for the food industry. 
Between XXXX " XXXX XXXX '' XXXX, XXXX, XXXX region, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Room XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supply contract was concluded XXXX dated XX/XX/XXXX. for suppling tin for producing lids. Pursuant to this agreement, on the basis of the invoice XXXX, in favor of XXXX XXXX XXXX, from the account XXXX XXXX " XXXX XXXX '' XXXX. XXXX ; XXXX  ; Bank XXXX XXXX XXXX XXXX XXXX currency payments were transferred, the payment currency is USD, in accordance with : - PAYMENT ORDER No. 3 dated XX/XX/XXXX - XXXX - PAYMENT ORDER No. 2 dated XXXX - XXXX According to the latest information provided by Bank XXXX XXXX which we have, the money is blocked by the bank - XXXX BANK XXXX XXXX meanwhile, according to the response from XXXX BANK XXXX XXXX XXXX XXXX it was returned to JP MORGAN CHASE BANK N.A . 
Meanwhile, JP Morgan CHASE BANK N.A. does not return funds, because Bank XXXX BANK is under sanctions. 
We sent a request to XXXX, but we received a response : We can not locate a record of the funds described in your correspondence as being blocked. It was suggested to contact the bank that blocked the funds. But the bank refuses to talk to us because we are not their client. 
We ask you to assist in claiming information from JP Morgan CHASE BANK N.A., about blocking our payment in XXXX.
Product: Debt collection

I received a text message on XX/XX/XXXX from a number claiming to be NRA Group LLC saying they were attempting to collect a debt. In this message, I was asked to provide my zip code to verify my identity. I did not respond as I previously disputed this debt with a different company the year prior and I believed there was a high chance this contact could be a scam. 

The next communication was via text on XX/XX/XXXX. I never verified my identity, but the company sent me a notice which included my name, address, various details about a debt owed in the amount of {$1400.00} from XX/XX/XXXX, and how to dispute said debt. On XX/XX/XXXX, I received another message similar to the previous one, to which I replied with " STOP '' to cease communications via this method. 

On XX/XX/XXXX, I contacted the company on via email with a letter disputing I owe the debt, as well as asking for information under an act they cited, the Fair Debt Collection Practices Act. I also asked for the information of the claimed purchasers of the debt, XXXX XXXX XXXX. As this is a medical debt, I also enclosed a letter showing I had health insurance at this time. 

I was met with a response on XX/XX/XXXX asking for the insurance provider, member number, group number, insurance phone number, insurance address, insurance activation date, and claim number of the health insurance I was under at the time I owed the alleged debt. I am no longer under this insurance, I do not have memory of many of these details, nor do I understand why they would need these details for their client to submit the claim. I ceased communication.
Product: Credit reporting or other personal consumer reports

Re : Compliance Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. XXXX and XXXX are reporting these accounts as current with no derogatory information yet you Experian are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this matter
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame The specific inaccuracies I found on my report include : Personal Information for my consumer report NAME : The only name I go by is XXXX XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX XXXX Also Known As : CURRENT ADDRESS : REMOVE the reported Consumers Current Residence ( s ) of as my REQUISITE REPORTED CURRENT, CORRECT and COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I DO NOT AUTHORIZE you to retain, nor report any not proven, true, correct, valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated here. 

Previous Residence : REMOVE the display reported Previous Residence ( s ) of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Employer ( XXXX ) : REMOVE the display reported Reported Employers ( s ) of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Reported Employers is XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

Birth Year : REMOVE the display reported Date of Birth as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Date of Birth is XX/XX/year>. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal Notice of Intent to Sue against TransUnion LLC regarding its continued failure to adequately address several serious violations of consumer protection laws in relation to my credit report. Despite repeated disputes, substantial evidence, and prior complaints, TransUnion has failed to take appropriate actions to correct multiple fraudulent and inaccurate accounts appearing on my credit report. This ongoing negligence continues to damage my financial standing and violates multiple federal and state laws. Summary of Violations and Failure to Address Disputes XXXX XXXX  Dispute : This account is inaccurately reported as charged off despite my dispute and evidence that XXXXXXXX XXXX  coerced me into a pay to delete arrangement, which they failed to honor. 
Legal Violations : 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXX failure to conduct a reasonable investigation violates this law.

15 U.S.C. 1681i : TransUnion failed to properly reinvestigate this account.

15 U.S.C. 1681c : The charge-off must be deleted if no verifiable proof is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : This account is inaccurately reported and has not been properly verified during previous disputes. 
Legal Violations : 15 U.S.C. 1681s-2 ( b ) : GS Banks failure to conduct a reasonable investigation.

15 U.S.C. 1681i : TransUnions failure to reinvestigate and correct this account. 
15 U.S.C. 1681c : Unverified accounts must be deleted. 
XXXX ( Account # XXXX ) Dispute : This account, stemming from identity theft, was deleted but reappeared under a new name ( XXXX ). Despite providing an FTC Identity Theft Report, it remains on my credit report. 
Legal Violations : 15 U.S.C. 605B : TransUnion must delete fraudulent information upon receipt of an identity theft report. 
15 U.S.C. 1681m : TransUnion failed to remove this fraudulent account. 
Unauthorized Credit Inquiries ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dispute : Unauthorized credit inquiries, stemming from identity theft, have appeared on my report. 
Legal Violations : 15 U.S.C. 1681b : These inquiries were made without my authorization. 15 U.S.C. 1681i & 605B : TransUnion must delete unauthorized inquiries related to identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) Account ( Fraudulent ) Dispute : The fraudulent XXXX account continues to appear on my credit report, despite my evidence and disputes. 
Legal Violations : 15 U.S.C. 1681i & 1681c-2 : TransUnion failed to delete this fraudulent information.

15 U.S.C. 1692e & 1692f : Continued reporting of this account without marking it as disputed.

Ohio Rev. Code 2913.49 : TransUnions failure to correct fraudulent information is a violation of Ohio law. 
Harm Caused As a direct result of TransUnions ongoing inaction, I have suffered : Financial Losses : Repeated credit denials and reduced financial opportunities, with estimated damages exceeding {$20000.00}. 
Emotional Distress : Significant frustration, anxiety, and reputational harm due to the continued appearance of these erroneous marks on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Equifax Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Child Support Enforcement XXXX XXXX XXXX XXXX Child Support : XXXX XXXX ***** Child Support Enforcement and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 15 USC 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 any reasonable cause to believe that the information is inaccurate.

***** Child Support Enforcement and AZ XXXX Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " *****
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my XXXX XXXX account XXXX XXXX was reporting inaccurately. I have a late payment for XX/XX/year> that was in fact paid on time. The consumer reporting agencies have a need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the furnisher, they should have consistent information. Im now requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four 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 XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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 60 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

This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!
Product: Debt collection

XX/XX/XXXX, The XXXX XXXX XXXX called my home phone number and threatened me with a lawsuit. I called XXXX and spoke to XXXX XXXX XXXX. HE TOLD ME THAT XXXX XXXX CLAIMS THAT I OWE {$1300.00} SINCE XXXX. I FILED CHAPTER XXXX BANKRUPTCY IN XXXX AND ALL MY DEBTS WERE DISCHARGED. XXXX XXXX TOLD ME THAT MY XXXX WOULD BE TAKEN FROM ME IF I DIDN'T AGREE TO PAY {$500.00}. I RECORDED THE ENTIRE CONVERSATION SO I HAVE PROOF OF EVERYTHING. I AGREED TO PAY {$250.00} IN XXXX AND XXXX BECAUSE I WAS AFRAID A LIEN WOULD BE PLACED ON MY CAR. I DON'T OWE THIS DEBT BUT I WAS AFRAID OF THIS FAST TALKING MAN.
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 168b permissible purposes of consumer reports. 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. 

inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX inquiry was not authorized XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do not provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the XXXX to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.