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

Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE BANKRUPTCY FCRA VIOLATIONS To Whom It May Concern, I am writing to formally dispute the bankruptcy reporting on my TransUnion credit report. I have never filed for bankruptcy, and the XXXX XXXX  XXXX in XXXX XXXX has confirmed this. This inaccurate reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 

Details of the Disputed Bankruptcy Bankruptcy Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Filed Under : XXXX XXXX ( Incorrectly Assigned ) Case Number : [ If Available ] Supporting Evidence Included A written confirmation from the XXXX XXXX XXXXXXXX XXXX, XXXX, confirming that I have never filed for bankruptcy. 

Copies of my XXXX and XXXX credit reports, which do NOT show any bankruptcy. 
FCRA VIOLATIONS BY TRANSUNION 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy TransUnion has a legal duty to ensure all reported information is accurate. Reporting a bankruptcy that does not belong to me is a direct violation.

2. FCRA 1681i ( a ) ( 1 ) ( A ) Inclusion of False Information The U.S. Bankruptcy Court does not report to credit bureaus. TransUnion is reporting incorrect information obtained from a third-party source, violating federal law.

3. FCRA 1681i ( a ) ( 5 ) Failure to Properly Reinvestigate If TransUnion previously " verified '' this bankruptcy, it failed to conduct a proper reinvestigation, making the reporting unlawful.

4. FCRA 1681g ( a ) ( 2 ) Failure to Disclose Source of Information I am demanding that TransUnion provide the exact source of this bankruptcy record. If it can not be verified with official court documentation, it must be deleted immediately.

5. FCRA 1681c ( a ) ( 1 ) Mixed File Error The XXXXXXXX XXXX  XXXX confirmed that multiple individuals with the name " XXXX XXXX '' have filed for bankruptcy. This is a clear mixed file violation, and the inaccurate bankruptcy must be deleted immediately. 

DEMAND FOR IMMEDIATE ACTION 1. I am formally demanding that TransUnion : 2. Immediately delete the inaccurate bankruptcy from my credit report.

3. Provide written confirmation that this bankruptcy has been permanently removed. 

Disclose the exact source of this incorrect information. 

Failure to comply within 30 days will result in formal complaints to the CFPB, FTC, and California Attorney General for willful FCRA violations. Additionally, I reserve the right to pursue legal action for damages under FCRA 1681n, which allows for statutory damages of up to {$1000.00} per violation, plus attorney fees. 

This is my final notice. If TransUnion can not provide court-verified proof of this bankruptcy, it must be removed immediately. 

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

Portfolio Recovery A {$1000.00} Portfolio Recovery A {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/24 I sent {$2400.00} via wire transfer from my XXXX XXXX account to Robinhood Financial LLC. To date they still have not post the money and have refused to reply to XXXX wire recall request. They keep giving me the run around by keeping me on extreme holds to transfer me from the app to email with different representatives asking the same questions, providing no solutions, seeming to have been stealing money or hoping to be able to steal mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account NumXXXX : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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: Credit reporting or other personal consumer reports

I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent this company a cease and desist letter that arrived XX/XX/2022 at XXXXXXXX XXXX XXXX In this letter I explicitly asked the company to cease and desist all communication with me or anyone I am associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In response to my cease and desist letter the National Credit Adjuster ignored my request and sent me another debt collection letter on XX/XX/2022. This company has been harassing me continuously by phone, email, and letters. I am considering suing the company for harassment about a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX 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 XXXX ( XXXX ) - XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out about these inquiries on my report to no avail i need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file
Product: Debt collection

Midland Management is currently trying to collect a debt from me. 
My credit report is currently reporting 3 different days last active. 
Its actually reporting XXXX different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, as the day it was last active, would affect the day it would naturally fall off. Three different years is ridicuous! 
I have sent certified letters to Midland asking them to remove this erroneous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

the attached dispute letter was sent to Equifax on XX/XX/2022 disputing the following accounts : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
It has been over 45 days and Equifax did not respond or investigate within the 30 day time period. a copy of a identity theft report is attached
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. 

I have to date, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within five days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. 

If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 

Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a printout or bill from you but instead actual proof of the debt 's existence. Remember you never gave me a chance to dispute the debt before you put it on my credit report without my written consent according to Gramm-Leach-Bliley Act & FCRA Law & FDCPA Law.

Sincerely
Product: Vehicle loan or lease

I have 120 inquiries and its all for trying to get a car. So how exactly is that a bad thing. Im blocked from all dealerships so now what?!
Product: Mortgage

I was contacted by my bank Freedom Mortgage to refinance my VA loan. As I going through the process they claim that a closing service XXXX XXXX XXXX which I have never done business with has a Lein/judgment on my home. I have tried for weeks to get it resolved but no response from the company. I have done a bit of research and this is the company that Freedom Mortgage use for closing services.
Product: Money transfer, virtual currency, or money service

I was trying to dispute a transaction with cash app and instead of. Them investigating or handling the dispute they just basically took my money and closed my account no warning no info just case closed
Product: Debt collection

My XXXX credit report lists CKS Prime Investments as a collection account. The account was opened on XX/XX/XXXX, and it has since been closed. XXXX appears as the original creditor. The account 's highest balance was {$1200.00} ; the remarks suggest partial payment. We last updated the account on XX/XX/XXXX ; the current balance is {$0.00}.
Product: Checking or savings account

Suntrust decided not to do business with me after months of opening the account then closed the account without any real reason. In doing so they have are holding a cleared check in the amount of XXXX ( # XXXX ). They claim that I now have to recall a cleared check and that I have to go after a customer that the funds were already taken from his account to get my money back. This is absurd. I have almost lost my apt , warehouse, phones, and an employee because of this mess. I have called SunTrust 20 times with the same results and no clear reason they closed my account. They sent a check for XXXX dollar but refuse to send the {$4300.00}. I'm at a loss and this has really put me in a bind financially and this bank could care less. Customer service is a mess, never again will I use a Suntrust bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfers

I was a victim of internet fraud. I ordered a vehicle and the sale/payment was to be handled through XXXX. This turned out to be a phony company posing as XXXX with their logo and everything. They had me do a cash transfer through MoneyGram to an " XXXX agent '' who would hold the money in escrow while the vehicle was delivered from another state. I had 5 days to review the vehicle and then if not satisfied could return it. 

I have subsequently contacted XXXX, MoneyGram and the local authorities and all have told me that it was a scam and that XXXX and MoneyGram are not responsible. I accept that but thought I would try to let others know of the scam and register the complaint.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : * Conducting inadequate investigations that fail to address consumer disputes properly. 
* Reinserting previously disputed and inaccurate information without explanation. 
* Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Student loan

On XX/XX/XXXX, I received a letter from MOHELA that while my student loans are in administrative forbearance that though the interest is at 0 % there will be interest accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed three incorrect items being reported on my Equifax credit report. I started disputing these items in XX/XX/2019 and Equifax has repeatedly stated the investigation in process but I would never receive any results of the investigation nor have I ever received any correspondence stating if and how these items were verified. Ive sent multiple certified letters for over a year and a half with no response and these items remain on my credit report. Ive had no problems removing these items from XXXX  and XXXX. Equifax has failed to produce verification and validation of these accounts for over a year or so. Ive sent multiple letters asking for verification of these debts such as proof from the creditors and they fail to send me any correspondence offering this.
Product: Credit card

I am dissatisfied with Barclay 's XXXX XXXX XXXX.I have closed my account in disgust as of XX/XX/XXXX, having paid my balance in full. I dispute paying the annual fee ( {$99.00} ) which is incurring interest. 
In XXXX of XXXX, I applied for a Barclay 's XXXX XXXX  that would give me XXXX XXXX XXXX XXXX. It took 4 months and XXXX hard hits on my credit rating ( XX/XX/XXXX and XX/XX/XXXX ) when I applied for the card ( with my sending back and forth much documentation ) to get the card. The approval process dragged out so long that the promotion for which I applied had expired. In retrospect, had I known the promotion expired, I should have closed the card at this point. 
I had considerable difficulty and frustration in reaching a person on the customer care team ( not a bot ) regarding a new promotion for which I applied on XX/XX/XXXX ( XXXX miles ). I was declined saying I had an existing account. XXXX XXXX Customer Service said I was entitled to the promotion since I had not ever received XXXX. They suggested I request Barclays to alter my registration date so that I was eligible for the current promotion. ( XX/XX/XXXX, XXXX ) I had been up to date on all of my payments and my credit was in good standing. Barclay 's refused to do this and was told me it would take an investigation and XXXX billing cycles to review, and that I would not be eligible for the new promotion of XXXX miles anyway - at most XXXX? While still attempting negotiate the situation, I began being harassed daily by calls telling me to " collect a debt '' which was the annual fee, due XX/XX/XXXX. I paid the my card off and closed the account in dissatisfaction.
Product: Debt collection

My rights were violated by the creditor according to the laws 12 CFR 1006.34 ( B ) ( 5 ), 12 CFR 1006.34 ( C ) ( 4 ) ( I ), 12 CFR 1006.34 ( D ), and 15 USC 1681-S 2 ( 7 ) ( A ).
Product: Vehicle loan or lease

I lave a auto loan with M & T bank ( loan number XXXX ). I have sold my XXXX XXXX because we don't need that many cars so I have the money to pay off this loan. I sent the final payment through my XXXX bank. The XXXX bank check was cashed by M & T bank XXXX XX/XX/XXXX but M & T did not post it as XX/XX/XXXX. I called them and sent message totem several time but they keep deny received it. Even give the details of their stamp on the back of check. Then one customer service reperesentive asked me to pay {$15.00} more by saying in case the payment was late so I have to pay the daily interest. I did pay {$15.00} as asked. However, they closed my account and blocked me to access my account online this morning so I don't know the final balance and what they are going to do withy Title. 
To me this is a fraud, cheating. It is also wrong closing my account and XXXX me to access my account online within a day.