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

I am writing to file a formal complaint against XXXX Bank for improperly reporting a balance on my credit report that was supposed to be covered by GAP insurance. This balance should never have been assigned to me, as my GAP insurance provider was responsible for covering the outstanding amount due to an insured incident. Despite my efforts to resolve this matter with XXXX Bank and to inform them of their error, they have continued to inaccurately report this balance, causing undue harm to my credit. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) as it constitutes a misleading representation of my debt obligations. It is XXXX Banks duty to verify the accuracy of the information they report and to refrain from representing any balance as due when they know, or should have known, it was supposed to be paid by GAP insurance. The reporting of this balance as a legitimate debt violates the FDCPA 's prohibition against using unfair or deceptive means to collect a debt.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Second Dispute Regarding Failure to Provide Consumer Report To Whom It May Concern, This letter serves as my second dispute regarding your failure to provide me with my consumer report, despite my previous request. I initially submitted a dispute to TransUnion on XX/XX/XXXX, and received a response from your company on XX/XX/XXXX, indicating that my report would be sent. However, as of today, I have still not received my consumer report. 

I have already filed a Consumer Financial Protection Bureau ( CFPB ) complaint, and this issue remains unresolved. Attached as Exhibit A, you will find proof of my request for the consumer report, made again on XX/XX/XXXX. 

I request that you immediately fulfill your legal obligation by providing me with my consumer report. Please also provide a valid explanation for the delay in sending it. 

I expect prompt action on this matter, and any continued failure to comply with the Fair Credit Reporting Act ( FCRA ) could result in further action. 

Please confirm receipt of this dispute and update me on the status of my consumer report. 

Sincerely, XXXX XXXX XXXX Attachments : Exhibit A Proof of Request ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report the same errors on multiple accounts XXXX XXXX is reporting as current with payments and it's been closed since XXXX this shouldn't be on my credit report each bureau continues to report erroneously on an account called XXXX. it was never legally validated and equifax is reporting the DLA as current. all bureaus have different information for a dLA. this should be deleted XXXX XXXX is closed with an erroneous late payment which wells can't find, and equifax reports this as current with payment activity after the close date
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 
Outstanding Compliance Issues :
Product: Credit card or prepaid card

Issue with American Express and XXXX XXXX XXXX. Specifically, there overreach of removing funds from our XXXX account based on a mis-keyed web credit card payment for which we never received the funds. 

One of our larger clients office managers went to our website on XX/XX/2022, to use our after-hours online bill payment system. She was trying to pay an invoice for {$720.00}. By mistake she mis-keyed the amount as {$72000.00} and pressed the accept button. She closed the web payment system and marked the invoice paid. 

On XX/XX/2022, at XXXX I received a call from an individual from XXXX XXXX XXXX XXXX He described himself as a " fraud investigator ''. After confirming his identity, he asked me if a charge for {$72000.00} was valid. I told him that it was not and was most likely a mis -key. He told me that XXXX would be holding the charge and would be voiding it. He stated that no further action was required on my part. The only phone number that he left was a " XXXX phone number '' which he does not answer. 

The Vice president of my customer 's company called a day later and said that the charge of {$72000.00} was showing on their Amex account and he wanted to make sure it was removed or credited. At around the same time a charge from XXXX was put through on our account for {$2700.00}. We however never, I repeat never received the {$72000.00} in our account. So, XXXX debited our account but never credited us for the {$72000.00} mis-key. 

The ensuing conversations with XXXX were ridiculous. They refused to void or return the withdrawal from our account. They made our web processor process a refund, even though we never received the payment, and when we contacted a supervisor from Amex to speak to them regarding the issue, they told the Amex. supervisor " how do I know that you are really from Amex. Are you kidding me! 

Subsequent contact with XXXX proved to be fruitless. We filed a complaint with the FTC ( report # XXXX ) no response was received. 

XXXX is blaming the issue on American Express. So we sent a complaint to the CEO and Executive office 's of American Express. They never responded. 

We are asking that American Express through XXXX immediately return the withdrawal to us. 

Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late. 

XXXX XXXX XXXX XXXX  XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, XXXX, Experian as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.
Product: Credit reporting or other personal consumer reports

RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

My XXXX XXXX Number XXXX XXXX Name, City, and XXXX is and only is XXXX XXXX XXXX XXXX, Texas XXXX My current Legally acquired lawful Social Security Number last four is and only is XXXX My Date of Birth is and only is XXXX ***ABOVE listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete correct METRO 2 Formatted compliance of reporting standard ( s ). These are REQUISITES of REPORTING, NOT OPTIONS of lawful reporting so PRODUCE undeniable DOCUMENT certified PROOF of claims and the claims reporting processes and format ( s ) compliant nature or else ERADICATE said claim, be it true or not. DO SO NOW!

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) | XXXX - {$7700.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) | XXXX - {$7300.00} XXXX  | XXXX - {$7700.00} XXXX  | XXXX - {$7300.00} XXXX  XXXX | XXXX - {$5600.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

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

Since XX/XX/XXXXXXXX, my father has been sending automatic payments to me using Cashapp. Unfortunately, the cash account he was sending to was no longer in use. unknown to me, when I updated my cash app name XXXX and updated my phone number, this set up a new account. Because my old account was set up for an instant deposit to my still in use and current bank, I thought nothing of it. Also, my current cash app account, indicates that I joined in XXXX which is the join date under my old cash app name. I would have not thought my update created an altogether new account. It wasn't until my father inquired with me if I had been receiving the money he was sending that we realized that it was going to the old cash app handle name. When I reached out to the cash app regarding this issue and after several emails, their only resolve for me was to inform me that my old account had a zero balance and my only option is to shut down my current account and regain access to the old one. I then had my father confirm with his bank that the funds he had been sending since XXXX, were and are in fact being sent to Cashapp. It has been upwards of 30 days and no one at Cashapp can tell us where my father 's money is or has gone. We are seeking assistance in tracking the funds and returning these funds to the initial sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts being reported by Experian are fraudulent and do not belong to me. I have tried to dispute these items twice and they have verified them to be mine through an incomplete investigation. XXXX and XXXX have already removed these accounts from my record after verifying they are not mine : XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXk XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the remarks on my closed Bank of America credit account. I agreed to pay the balance in full in exchange for negative remarks to be removed from my credit file and so the account would show as paid in full. I filed a dispute so Bank of America could update my credit file and they did not. I called customer service directly to have the credit report updated and they said it would be updated to paid in full and it hasn't been updated. Instead, my account is showing paid less than the full balance, which is inaccurate. 

On XX/XX/2020, I contacted Bank of America 's collections department, and they again agreed to update my account to remove the negative data and show the account as paid in full. I also requested a written letter confirmation to show that the account as paid in full. They said the mail should be received in 7 - 10 days. So, I hope to have that available as evidence for the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNTS 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 AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}.
Product: Debt collection

On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. 
This action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. 
There has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it.
Product: Credit reporting or other personal consumer reports

I became aware of several accounts showing up on my credit report. I contacted the credit bureau Equifax and the bank/lenders that issued the accounts. I asked for verification information for these accounts like the original contract, statements for the account, and anything else that could be helpful to me. I was never provided any of this information ever despite the many requests I made. I have been requesting this information for about XXXX  years now. I have sent more than XXXX letters in the last XXXX  years requesting this information and requesting for these accounts that are not mine to be removed from my credit report. Equifax did finally remove XXXX of the accounts but there is still XXXX account on my credit report. This is even after I was told to submit an identity theft affidavit as well as a police report which I did a couple of years ago. This inaccurate information that is showing on my credit report has prevented me from being able to obtain certain employment, housing, insurance, among other things. I have attached my recent letter that I mailed to Equifax credit bureau with the intent to sue for a number of violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

Yes I have a lot on my credit report that I have ask for years for them to investigate and they tell me every time it doesnt change these are not my accounts including loan company that was done online with my concent or knowledge its a lot going I still have stuff on my credit from XXXX its sad its XXXX I really need someone to look into my credit file on a lot of matters this company Tower loan is garuish my checks and has been on a loan that was XXXX and they saying I owe them XXXX $ its so sad
Product: Debt collection

WHY IS THIS STILL ON MY XXXX REPORT?!!!!! IT NEEDS TO BE REMOVED DUE TO ID THEFT!!!!! NATIONAL CREDIT SYSTEMS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.