23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was incarcerated have contacted and sent proper documents to XXXX XXXX XXXX they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.
Product: Credit reporting or other personal consumer reports

Dear Reporting Agency, I am writing to formally demand the immediate removal of inaccurate and unauthorized personal information from my credit report. Specifically, the following information is incorrect and does not belong to me. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Phone Number : ( XXXX ) XXXX Social Security Number : XXXX The inclusion of the aforementioned erroneous information in my credit report is a serious violation of my privacy rights. This unauthorized disclosure of my personal information could potentially lead to identity theft, fraud, and other harmful consequences.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to address the ongoing issue of inaccurate account information on my credit report that has not been removed following seven unsuccessful reinvestigations. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related laws.

Basis for Dispute : I have previously submitted multiple disputes to Equifax regarding inaccuracies in the account listed below, providing clear evidence of the errors and requesting its removal from my credit report. Despite seven reinvestigations, the inaccurate account remains on my credit report, which is a clear violation of the FCRA and applicable regulations.

As per Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA and 15 U.S. Code 1681i ( 5 ), if a reinvestigation does not resolve the dispute, the credit bureau is required to delete the disputed information. The repeated failure by Equifax to remove this incorrect account information has caused me significant financial harm and distress. 

Account Information : Account Number : XXXX Creditor Name : XXXX I request that the Consumer Financial Protection Bureau investigate this issue and take necessary legal action to ensure that Equifax complies with the FCRA. I am also requesting the immediate removal of the inaccurate account information from my credit report. 

The inability of Equifax to properly handle this matter has negatively impacted my credit standing, and I am seeking your assistance in enforcing the legal obligations Equifax is required to meet under the FCRA.
Product: Mortgage

Guild Mortgage This is about a Consumer Credit Transaction initiated on XXXX XX/XX/XXXX, with your financial institution executed by way of signing an Agreement " Document ''. As per 15 USC 6827 ( 3 ) " The term document means any information on any form. '' The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic persona information to nonaffiliated third parties ( XXXX, XXXX, and XXXX XXXX. 
According to 15 USC 6809 ( 4 ) ( A ), the term " nonpublic personal information '' means personally identifiable information- ( i ) provided by a consumer to a financial institution- ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) Otherwise obtained by the financial institution. 
Furthermore, pursuant to 15 USC 6809 ( 5 ), the term " nonaffiliated third party '' means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution, but does not include a joint employee of such institution. 
Therefore, as per the literal interpretation, the organization name XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has violated the provisions of the FCRA ( Fair Credit Reporting Act ). 
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicated other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 
Therefore, your Company ( Guild Mortgage ), has not only infringed my rights to privacy but also violated multiple Federal laws. 
I hereby request you to remove the following information from my Consumer Report : - Late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
- No longer report my nonpublic personal information to any nonaffiliated third party from this day forward. 
If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 

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

On XX/XX/2023 XXXX, XXXX XXXX, sent {$330.00} on the MoneyGram platform to my sister in law 's bank account in XXXX. All was done in USD. The reference number is XXXX. After more than four contacts via chat, phone and emails ; three different " cases '' were open with MoneyGram customer service site. As of XX/XX/XXXX, no money has been refunded. MoneyGram admitted there was a delay in delivering these funds. But instead of refunding our money, MoneyGram continue to open " investigation cases ''.

The recipient does not have the money, we don't have the money. MoneyGram has the money and does seem willing to refund it to me. 
At this point, I believe fraud is involved and someone has absconded with our money..
Product: Credit card or prepaid card

A fraudulent charge was put on my account. I reported it the next day. Agent credited the charge, closed the account, opened a new one and then debited the charge again on new account. I called over 30 times and filed a complaint with you. They provided an invalid response, and credited an XXXX charge from XXXX which was not part of my complaint at all. That XXXX charge was reversed by XXXX and did not need crediting back to my account. This is another example of the fraud or incompetence going on with this bank. 

The letter I received in response to my complaint states the second account will remain open until the fraud charge investigation is resolved. It has been 4 months. How long do you allow a bank to take to resolve a fraudulent charge. They sent me a copy of a letter I never received from them, saying I would not be responsible for the fraudulent charge while it is being investigate, but they are placing late fees, collection calls and interest on the remaining balance. Clearly, this ageny wasn't able to help me and I am sure there are many little people out there who are being robbed by this bank, just like me. To protect my credit, I had to pay the balance I don't owe. 

I want to know what is the resolution to Truist Case # XXXX and why I am being charge finance charges and late fees which must be credited when this is resolved. This claims is over almost 150 days old. What is the law regarding consumer disputes and failure to respond by credit card companies? 

I also want to know why they credited {$34.00} to my account for Truist Case # XXXX, when XXXX had already realized the duplicate charges and reversed their own charge. They didn't bother to even look at the account, they just returned the {$34.00} without any investigation. However, the other is pending 150- days. Now, Truist owes money to XXXX as well.
Product: Credit reporting or other personal consumer reports

I want this account to be re-investigated. I have enclosed a letter for which accounts should be investigated.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Synchrony bank. They claim I have credit cards for jcpenny, XXXX XXXX, rooms to go. I asked for confirmation of debt. I said let me refresh your memory. A confirmation of debt is all the wet signatures of all transactions. They sent me a bill what you call a statement. That is not a confirmation of debt. Lets see if I understand. You sold the debt to a debt collector for profit. Then you wrote this debt off. I must be confused. This is double payments. Sounds like fraud to me. Why do you spell my name in all caps XXXX XXXX which means dead person or corpation spellings. I am not a dead person. I sent you my fee schedule that states closing a account is a fine of {>= $1,000,000} per occurrence. 

I, XXXX, XXXX to said principle XXXX XXXX XXXX hereby accept all titles, rights, and interests owed to principle XXXX XXXX XXXX, I hereby instruct ceo of this account to apply the principle balance to said accounts in every billing cycle, if these instructions can not be honored. Please respond through postal mail giving details of none acceptances, if you do not send anything back it stands that you have accepted my offer and moving forward als. Apply the above instructions. 

By : XXXX, XXXX Without recourse ucc 1-308 I, XXXX XXXX : XXXX ; Authorized representative XXXX am sending the coupon of the accused summary to synchrony bank as payment for what I owe. I have recently learned that a coupon is a way of paying according to ucc3-104. I noticed that you have sent me these coupons and ask me to remit another check or money order and then you have redeemed both. That is double dipping of course and is illegal. 

I am potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as the payment per ucc3-603 ( b ). If tender of payment of obligation to pay an instrument is made by a person entitled to enforce the instrument and the tender is refused, there of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. 

Here are some definitions to clarify what I am talking about just to refresh State statues if you need a refresher. 


A billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due and other vital information. Billing statements are issued monthly. 

Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, exptmressed as a percentage of face value and paid from the issue date and paid until maturity. 

Bond bearer : a negotiable instrument payable to the holder. 

Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods or services. 

Sincerely and without Ill will, : XXXX XXXX XXXX, beneficiary and authorized representative All rights reserved without prejudice, without recourse
Product: Debt collection

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a XXXX XXXX XXXX XXXX. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$1900.00}, but has been sold. The balance should be {$0.00}. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Product: Credit reporting or other personal consumer reports

This complaint is regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion. 

On XX/XX/4, I sent a letter to the courthouse inquiring whether they report bankruptcies to credit bureaus. In response, I received a letter stating : " We do not report any bankruptcies to anybody. '' If this is the case, then per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verifythrough physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public records you report. Failure to do so allows for the possibility of fraudulent or erroneous information being added to consumer credit files. 

Given these legal provisions, I demand the immediate deletion of the following unauthorized public record from my credit report : Bankruptcy Docket Number : 2413677 Violations of Federal Consumer Protection Laws : 1.- 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process used does not comply with the privacy protection requirements outlined in this section. My right to privacy under the FCRA has not been upheld.

2.- 15 U.S.C. 1681b ( 2 ) - Permissible Purposes : Any information used to verify the bankruptcy must be obtained for permissible purposes and through legally compliant procedures. The verification process failed to meet these standards. 

3.- 15 U.S.C. 609 ( a ) ( 1 ) ( A ) - Consumer Rights : I have the right to request the removal of inaccurate or unverifiable information from my credit report. Your response has not sufficiently addressed the inaccuracies or provided valid justification for retaining this record.

4.- 15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the legal requirements for proving its accuracy and legitimacy.

Violation of the Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1601 ( TILA ), all credit information must be accurate and transparent to protect consumer rights. The failure to provide proper proof of verification and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was compromised via the XXXX data breach a few years ago.
Product: Debt collection

I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name AssetCare LLC contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from XXXX and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. AssetCare did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted AssetCare and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.
Product: Debt collection

Threaten a lawsuit while the debt was going Thur bankruptcy. And filed the lawsuit right after we ran in financial problem to pay the bankruptcy lawyer. Thin we responded to the lawsuit on XX/XX/XXXX and they filed a default judgment on XX/XX/XXXX with false and purjury statements and the court denied there default judgment on XX/XX/XXXX. They have never corapearted with me and have been told I don't have a job and my son and husband are on ssi and they still continue to harass and pursue a case against me. On XX/XX/XXXX I have asked the court to dismiss the case.on top of that they falsely did a background check that they where not entitled to for the default judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report on a weekly basis and I notice before I paid the accounts to 0 balance or became in good standing with my mortgage company, my credit score was higher. After I paid one account off and became in good standing with my mortgage company my score dropped significantly. Credit Karma, sent me an email on XX/XX/XXXX stating that my score had gone up 43 points on XXXX and 46 points on XXXX. Six days later my score had dropped 49 points on XXXX and 42 points on XXXX. I have been checking my score three times a week since XX/XX/XXXX and the score goes up and down every time I check. I have been paying my accounts on time and I also find it extremely hard to get information that does not belong to me removed, there is no way to dispute items online and the only way to communicate with credit karma is by email, they do not have a way to contact them by telephone nor do they respond to emails in a clear, professional and understanding manner. I have tried to reach out to this company on several occasions and it never goes anywhere.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a dismissed bankruptcy and associated late payment remarks from my credit report. Despite previous attempts to address this matter, I have not received a satisfactory response, and the inaccurate information remains on my credit report. 

The dismissed bankruptcy, which occurred [ XX/XX/year> ], was ultimately resolved and dismissed [ XX/XX/year> ] by the court. As a result, it should not be reflected on my credit report as it inaccurately portrays my financial history. 

Furthermore, any late payment remarks associated with this bankruptcy are also inaccurate and misleading. These remarks do not accurately represent my creditworthiness or financial responsibility, as the dismissal of the bankruptcy indicates a positive resolution to the situation. 

I have sent in attached documentation confirming the dismissal of the bankruptcy for your reference. I kindly request that you promptly investigate this matter and take the necessary steps to remove the dismissed bankruptcy and associated late payment remarks from my credit report. 

I understand the importance of accurate credit reporting and its impact on my financial well-being. Therefore, I urge you to prioritize this request and provide me with confirmation once the inaccuracies have been corrected. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy and late payment remarks from my credit report. 

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

I have a loan with XXXX, XXXX, and ALLY FINCL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and ALLY FINCL with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I noticed a student loan account opened in XX/XX/2022 on my credit report by Mpower financing/ XXXX  XXXX  without my permission, validation, authorization, and verification nor does it have my signature to be placed ontheirplatform.
Product: Credit card

I received a Cash App card in the mail today which was under my name. I do not have any affiliation with Cash App. I called them up and wanted to report fraud and I wanted the account closed because of fraudulent activity. They did ask to send a copy of the card received via email but I refused because they might start making unwanted purchases on the card. And my email and phone number did not match the account on file. The person said there was no activity on the card yet probably because I did not activate. Unfortunately Cash App did not take any action to investigate the situation further. Plus the letter that they sent me looks fake with some typos. It says to scan th QR code to activate the card.
Product: Debt collection

On XXXX I sent a letter disputing the erroneous account with the creditor CHOICE RECOVERY for the amount {$120.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.