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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for XXXX from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in equifax, XXXX, and XXXX. 

Attached proof of removals and disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OXXXX XXXX XXXX XXXX I file a dispute with Experian XXXX and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XX/XX/year> I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regards to case XXXX XXXX Experian claimed that the report does not have those accounts. Those are XXXX account with sub accounts. 
I am disputing this again account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " XXXX '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " XXXX '', I disputed this account and XXXX keep responding with Exhibit XXXX XXXX I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of XXXX XXXX XXXX. XXXX also violated my right to privacy as pursuant to 15 USC 6802. 
THESE accounts XXXX AND XXXX Are still reporting late when Experian said that they were not on my report. This willful negligence, defamation of character. Do Experian want to be held liable for Monetary Remedy. 
As pursuant 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Clearly Experian did do their due diligence INACCURATE AND INSSUFICIENT PLEASE SEE ATTACHED
Product: Checking or savings account

For a couple of weeks I have been making deposits. Often Navy Federal moves the deductions and takes money from my account for purchases twice. For example I made a payment for {$410.00} on XX/XX/24. the payment was taken from my available balance. Today I made two deposits totaling {$890.00}. The payment has been moved to posted XX/XX/24 and has been deducted from my balance again. I have gone into the branch, called and emailed. I have asked that an account specialists audit my account. I have asked for a detailed break down of each transaction with balances, not received. I went to an ATM and it did not disburse funds, but the money was deducted from my account. Navy Federal removed the whole transaction once the ATM company completed the return, but they never replaced the funds. No one will listen and as well I have been hung up on by the supervisor.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. 

I initiated the process of opening account with your company. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, account have experienced significant delays in being opened, which has resulted in various inconveniences for me, including [ mention specific inconveniences, such as delayed access to services. 

I understand that administrative processes can sometimes be complex, but the prolonged delay in opening this account has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. 

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. 

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. 

I kindly request a response to this letter within the exact timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct the account in my credit file : XXXX XXXX XXXXXXXX XXXX Balance : {$75000.00}.
Product: Credit reporting or other personal consumer reports

The items XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  are inaccurate . To my knowledge I have not signed any documents authorizing the companies in question to view my credit report. I did not consent to anyone pulling my credit score on XX/XX/year>. The listed inquiries above were without authorization and for no legitimate business purposes. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity. If YOU FIND THAT I DID NOT AUTHORIZE THESE INQUIRIES I ASKED THAT IT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE. 
Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. I hope I can receive a response back or any information from you guys as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed by mail the fairness and accuracy of equifaxs reporting of several items on my consumer report. In Equifaxs response dates XX/XX/2022 they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or equifax to provide there method of verification for each item ; I requested that equifax provide the XXXX form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that equifax provide me with proof of my written consent to consumer reporting with equifax which would also require a SSA-89 form. Equifax never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. Equifax only opened another dispute for the items on XX/XX/2022 instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX ) that Equifax was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation Equifax is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since Equifax has been in receipt of the four requirements of this section of the FCRA and Equifax has not blocked and removed the items. Equifax has still not provided the SSA-89 form for proof of consent of Equifax reporting of my information nor the SSA-89 forms for proof of consent for each alleged creditor furnishing my information.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX services acct. # XXXX XXXX XXXX acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX acct. # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX A. 
States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Vehicle loan or lease

I received a lien release after paying off the vehicle, but it was not notarized. The State of Kansas holds the title electronically and rejected my lien release because it is not notarized. I contacted CarMax Financial and requested a notarized lien release and after 60 days I have not received it. It is frustrating that the CarMax lot can not help and the phone number ( s ) for CarMax all seem to go to the same call center they also can't help except to put in a new request. 
Also, it would be nice if there was a way to contact the financial institution directly when errors like this are made. The CarMax lot as well as the call center are not able to contact the bank either ; they just simply say it's a sister company and it is up to the consumer to contact them. But, you only get the same call center no matter which number you call.
Product: Debt collection

CBE Group has been repeatedly calling and texting my phone for someone else 's debt. I have blocked every number they use yet they continue to call non-stop from various numbers. The last call was XX/XX/XXXX at XXXX CT. The last text was XX/XX/XXXX at XXXX CT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report from three consumer reporting agencies. 

XXXX, XXXX, EQUIFAX all three of the following are report ( Inaccurate information ) different CREDITORS are listed with different address for the same alleged debt. 

XXXX ACCT # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX- ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX THIS IS A VIOLATION of Fair Credit Reporting Act 15 USC 1681 15 USC 1681a ( 4 ) 15 USC1692d THIS is also DEFAMATION OF MY CHARACTER AS I STATED BEFORE, IF THIS MATTER IS NOT DELETED AND REMOVED I WILL SUE XXXX, EQUIFAX XXXX AND XXXX OF DEFAMATION OF CHARACTER.
Product: Credit card

I was contacted by by phone by someone at Synchrony Bank regarding my XXXX store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with XXXX. My payment was due on XXXX. I made a payment for more than the amount due on XXXX. However, that payment was applied to XXXX ( which I had already paid in XXXX prior to the due date ). XXXX indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was disconnected. I then chose the " live chat '' option online, and was told by the representative that they would not be able to adjust my account to indicate that it was paid on time, that it would still show late for XXXX. I find it extremely unreasonable that a payment made prior to the due date can be considered late, and can be reported to the credit bureaus as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$570.00} XXXXL Original creditor XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$110.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX & XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00}
Product: Debt collection

Credit Management LP open a claim on my credit report FOR {$110.00} I repeatedly contacted the originator of the account letting them know that this inaccurate it`s not mine. my credit has taken a hug hit because of this.
Product: Credit reporting or other personal consumer reports

Dispute was supposed to be resolved by XX/XX/15 and it has not.
Product: Checking or savings account

Citizen bank refused to pay an opening saving bonus of {$300.00} for a saving account that I opened in XX/XX/2019. I fulfilled all requirements for me to receive the bonus. I transferred {$15000.00} into the account in early XXXX and maintained the balance for at least 3 months. Can you please look into this case? Thanks Terms : Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX  : account # XXXX and account # XXXX XXXX XXXX XXXX XXXX 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 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 card

Go to XXXX In their TERMS IT PLAINLY STATES : APR for Balance Transfers 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

After that, your APR will be 13.49 % to 23.49 %, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.a # 1 I opened an account back on XX/XX/XXXX. 

# 2 Balance of {$890.00} was paid in full back on XX/XX/XXXX # 3 Ready now to do another 0 % balance transfer and these scammers have removed the offer from my account. Read the above terms : It plainly states : 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. 

# 4 Account opened on XX/XX/XXXX. 4 months is XX/XX/XXXX. This account was paid in full back on XX/XX/XXXX and I have {$900.00} available credit to use and trying to do another Balance Transfer at 0 % for 21 months and they removed the offer from my account. SO BASICALLY, THEY HAVE BREACHED THEIR CONTRACT. I SHOULD HAVE 0 % ON BALANCE TRANSGERS UNTIL XX/XX/XXXX. 

# 5 I HAVE CONTACTED THESE SCAMMERS ABOUT THE ISSUE TO NO AVAIL. I ALSO TOLD THEM TO CANCEL THIS CREDIT CARD IMMEDIATELY AND THAT I WOULD LET THE BETTER BUSINESS BUREAU KNOW ABOUT THEIR SCAM ANDVFALSE ADVERTISING AND FAILING TO FULFILL THE CONTRACT.
Product: Credit card or prepaid card

Citibank offers fraud protection but they did not honor it for my case. XXXX XXXX fraudulently charged my card for {$1100.00}. I disputed this amount because they changed the cancellation terms without notifying me and then when I disputed it, XXXX sent the terms that I did not agree to as their proof. I disputed it a second time and then XXXX lied and said I did not cancel in time. Citibank can see both responses from XXXX are not valid because I sent Citibank the original terms I agreed to that allowed me XXXX hours of cancellation with no penalty. I also sent them proof that I canceled XXXX weeks in advance. When I spoke to Citibank they said they can see that I am right but if XXXX won't agree to pay them back then they will not pay me back. How is that fraud protection? The Company committing the fraud would never agree to pay them back so I am not protected at all. This is false advertising. 

Please have Citi refer to my Dispute Case ID XXXX XXXX XXXX XXXX which was filed with them on XX/XX/2022.