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

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Checking or savings account

Chase bank has closed one of my checking accounts that had {$450.00} deposited in it. As per the bank request I have opened a new checking account to replace the old one with the promise that my funds that were in the closed account would be transferred into the new one. This has happened about 2 months ago and ever since then Ive been trying to get my funds available. I have exhausted all means to resolve this issue with Chase bank. I have gone to their branch twice and I have called their customer support services twice as well and I am always promised they will send me a check and that I should wait for it. Please help me get my money back.
Product: Credit card or prepaid card

On XX/XX/XXXX they charge me an annual fee for XXXX and on XX/XX/XXXX they closed my credit card account I asked them if I need till to pay the annual fee they told me NO Then I got a late fee and it's keeping on my account that I am late they won't be able to remove the annual fee till 51 days after closing so my credit report will get a bad credit history
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number for Account XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ XXXX XXXX XXXX XXXX XXXX XXXX ]. These items are inaccurate and do not reflect my actual credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Debt collection

A company, Transworld Systems Inc., is attempting to collect an unpaid toll claiming to represent the XXXX  XXXX XXXX. I have checked the XXXX website and checked my information and found there is no outstanding tolls attributed to me. This company is committing fraud through email. I have replied and told them to stop. 
Here is their company information : TSI Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX. XXXX, XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are not struggling to pay our mortgage, per se. Rather, we are ready to start making our Regular monthly payments. I have a USDA LOAN. On XX/XX/XXXX I entered into a forbearance plan. I was told at that time, when the forbearance was over I could resume making regular monthly payments and defer the forbearance amount to the end of my loan. The USDA guidelines for Forbearance under the CARES ACT states the same. I do not have to pay a lump sum at the end of the Forbearance. I called Freedom Mortgage as my Forbearance ends on XX/XX/XXXX. I stated I wanted to resume making my regular payment and defer the Forbearance amount to the end of the loan. They said I have to go thru Loss Mitigation steps and reapply for a XXXX XXXX. This is NOT what I was told and the USDA guaranteed loan website states the same thing I was told at the beginning of my Forbearance by Freedom Mortgage ( XXXX ) I just received paperwork to " apply '' for a Hardship Loan when I already have an USDA Loan. My USDA loan should go back into effect and the payments deferred to the end as I was told by Freedom Mortgage and as the USDA.gov website specifies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to TransUnion a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to TransUnion attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from TransUnion telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
Product: Debt collection

Global credit and collections have contacted me and my girlfriend giving out my personal information without my consent I had my lawyer look into it and their license has been revoked as of XXXX of XXXX, this is unacceptable They need to be fined immediately. XXXX believe my lawyer is getting involved
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I got Experian report today XX/XX/XXXX. They only updated the accounts. They did not provide me with verification of these accounts. According to the Fair Credit Reporting Act ( FCRA ), Experian is suppose to investigate and verify the accuracy of my information that is listed below. If the information can not be verified, I request that it be removed. Experian failed to provide me with verification of these accounts, therefore, these 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
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

It has been over 30 days since NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX received my correspondence which contained my VALID DRIVERS LICENSE, FTC ID THEFT AFFIDAVIT, POLICE REPORT and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant.
Product: Debt collection

Midland credit management has continually called me on my mobile phone after I not only registered with Do not Call, but told them not to call me during work hours on my mobile phone. I told them I prefer to deal with the debtor directly and for them to remove me from their list. In addition, I moved and was with out a LAN line for several months. Once the LAN line was up, they immediately started calling the new number. I again explained that I was going to deal directly with the company and not them, yet they still continue to call.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account we're not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete these items.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions.

15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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
Product: Debt collection

Allied Trustee Services on behalf of XXXX XXXX XXXX an HOA company garnished my wages in the amount of {$6400.00} for an invalid debt in the original amount of {$1200.00}. I did not oocupy the property in question at the time this debt was incurred because the property was foreclosed and I was evicted from the home. ALlied Trustee Services had absolutely no right to this money. Because of their actions my family and I are again facing eviction because we can not pay our rent. Allied Trustee Services should not be allowed to take these fradulant actions. Please help me.
Product: Credit card or prepaid card

I receive promotional offers for an XXXX XXXX credit card regularly. In XX/XX/2019, I applied for a credit card with a promotional offer of {$200.00} statement credit and XXXX airline miles after spending a specific amount. I have inquired about never receiving the airline miles, but was advised that I have another account and was not eligible for the promotion. I continue to receive the same offer and no where does it say if you already have a card you are not eligible for the promotion within so many months. To me this is a misleading and deceptive practice. Why would I or anyone else for that matter want to pay two annual fees to earn miles, if we are not eligible for the promotional offer.
Product: Credit reporting or other personal consumer reports

My acct XXXX opened XXXX has been closed since XX/XX/year> and should no longer appear on my report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of my recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting stuff my financial institution and Zelle have failed to investigate my claims accurately they informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs discovery indicate that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Debt collection

On XX/XX/year> I discovered that I had about XXXX in student loans on my credit report. Well I have never gone to college and I knew for a fact that that debt did not belong to me. I found out that another person with a similar name and social as mines crossed on my credit report. The other person 's name is XXXX XXXX and my name is XXXX XXXX. And our social security number are off by XXXX numbers. Due to the crossing of identity information, it has caused his/her account to stick to my credit report. I was able to get the student loan company to have XXXX to remove all of those student loan accounts because they recognized the error. However, XXXX and XXXX are refusing to remove the accounts that do not belong to me. I have gone to court with LVNVFUNDING. The plaintiff LVNVFUNDING was given 60 days to provide proof that I was responsible for this debt and they did not, so judge ruled to dismiss the judgment. They have never been able to prove that the debt belongs to me. And again there are 3 other accounts that do not belong to me that should be removed as well : 2 accounts with XXXX XXXX XXXX XXXX
Product: Debt collection

MACYS/DSNB XXXX XXXX XXXX XXXX, OH, XXXX XXXX FTC - Affidavit issued on XX/XX/2020 with letter suggested from FTC website. Company does not send any information requested regarding the validity of this debt. Company does not delete information from my credit. 

Here the information requested on the letter. 

Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft  victim documents related to an account if the victim asks. 

Please send me copies of all records relating to the account, including : Account applications made on paper, online or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a company charged {$44.00} on a Barclays credit card I had not used for a few months. XXXX must have changed me to paperless because I never received a statement. In XX/XX/XXXX, I saw a drop on my credit report because of late fee and interest charges. I talked to Barclays and they did waive all the late fees and payment charge fees. However, they said it was too late for them to tell the credit agencies and I would have to dispute the charges myself. This policy is crazy, because I have to dispute the charges myself and then it takes 30 days to investigate the charges. During this time my credit score has dropped over 100 points because Barclays wouldn't contact the credit agencies directly.