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

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$790.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXX Bank {$1400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$840.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$730.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX. All of these credit reporting agencies are reporting, inaccurate information on their reports without my written consent. According to 15 U.S. code 1681B. They are reporting late payments with XXXX, inaccurate addresses, as well as employers that I dont work for. I never gave them written consent to report my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. I started a plumbing company and did well for a year and a half then the vivid pandemic hit. During the pandemic, I had to shut down for XXXX weeks due to a covid scare, then my main income, which was plumbing in new custom build homes, stopped due to the strain of the pandemic on my customers. I applied for different Covid assistance programs but the money for businesses was already depleted before I could get any help. This put me in debt and as a result I had to shut my company down. I have XXXX late payments on my truck loan with Santander USA. Late payment one was XXXX of XXXX, late payment two was XXXX of XXXX, and late payment three was in XXXX of XXXX. I also suffered an eviction after a short time with no heat or water due to the loss of income. Since XXXX I have gained and maintained a steady income, paid off the majority of debts/collections I accrued, and paid my bills on time. I currently live with my mother and need to get a new home, a mortgage advisor suggested I call Santander USA and attempt to have the late payments removed so I can qualify for a mortgage before XXXX of XXXX. I also have been declined by rentals mainly due to the late payments Santander USA reported during a worldwide pandemic. I offered to make extra payments or do anything proactive to have the late payments removed and Santander USA refuses to remove any late payments accrued during the worldwide pandemic that everyone, especially small business owners, was effected by. I believe I should be given the opportunity to have these late payments removed considering the worldwide pandemic that was happening and hope that you can help. 

XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Company in complaint : -Santander USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX
Product: Debt collection

They keep calling me almost every day. I do not have the means to pay them right now. For them to continue to call and harass wo n't make me have the money.
Product: Credit reporting

The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX petition. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., Experian, XXXX respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.
Product: Vehicle loan or lease

I had a vehicle I had purchased from Ford Motor company Ford XXXX. With in the first year I had several issue with vehicle being in the shop to the point where I had to contact Ford Motor Company because the vehicle had several major issues with in the first year. I spoke with a Ford Vehicle Specialist to get resolved. I was in a rental car for several months because the XXXX had transmission issues. Ford agreed to buy back my vehicle and help place me in a new vehicle once the vehicle was return to the dealership. In that transmission I was told by the specialist to not worry about pay the last months of the vehicle because its was going to be traded back to XXXX XXXX dealership and they would cover the cost of original loan since it was deemed a Lemon under the Lemon law act. I financed a new vehicle with the trade in with Ford motor credit at the XXXX XXXX dealership. In that transition time my old payment was not updated which caused it to go past 30 days because on the loan specialist part they did not take into account to buy back time frame. The vehicle loan was closed out the next month and now I have a negative hit on my credit because the vehicle was not properly transition when I was trading in the old for new. I asked Ford to remove impact and they declined. The loan was acted in bad faith and I would like to get this resolved since I purchased with Ford Motor Credit again event though the first vehicle was classified as a Lemon under the Lemon law act XXXX XXXX
Product: Debt collection

I was renting an office at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had a contract with XXXXXXXX XXXX XXXXXXXX XXXX at my office. It was a XXXX  month contract, that started on XX/XX/XXXX. After renting that office for XXXX years, the owner of the plaza sold it, the new owner gave me until XX/XX/XXXX, to get a new place, that he needed my office. I moved out of XXXX XXXX XXXX XXXX XXXX XXXX. on exactly XX/XX/XXXX. I moved to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX. After letting XXXX know that I was moving and I finished my contract, we parted ways. Now after so long I'm getting letter from a collection agency ( Zions Debt Holdings, LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) Saying that I owe XXXX {$550.00}. I called this place and talked to a rep and told them I had finish my contract and the debt was wrong. So he connected me with a manager, and I explained everything again to her. After a long conversation with her, she told me that XXXX send them a bill for collection and it didn't mater what prove I have or what I had to say, that I owe a debt and I have to pay. We ended up the conversation, and now this information of the debt is showing up on my personal credit report now. I need help solving this issue. So if there is a way you can help me, I will greatly appreciate it.
Product: Credit card or prepaid card

Dear Sir, Madam : In XX/XX/2021 I bought a TV from XXXX XXXX using my Chase Ink Visa for business for {$370.00}. XXXX XXXX delivered it twice to wrong addresses. After I informed them of the error ( they sent me the picture of the house where they delivered the TV, but it was not my house ), they refused to correct their mistake, and decided to cancel my order. I filed a dispute with Chase after waiting a few days without seeing refund, but later I found the refund posted in my account. I thought XXXX XXXX had refunded my money and my dispute had been resolved. However, in XXXX this year I discovered Chased had charged me {$370.00} again. I immediately called Chase, and faxed supporting information to them. Unfortunately, my disputes have all been turned down with explanation that Chase found the charge valid, and there was no account error. 
It unreasonable to claim the charge was valid : the merchandise was not delivered to me, but someone else, which I have proof. Furthermore, XXXX XXXX canceled the order, but not refunded my money. I had talked to XXXX XXXX many times without any resolution. I did not dispute any account error in this case. When I use Chase Visa, I believe Chase would protect their consumers against unscrupulous or irresponsible merchants like XXXX XXXX in this case. 
I ask you to help me to make things right, and elevate the matter to Chase management so that Chase will do what they promise in protect their clients. 
Please let me know what supporting information you need, and how to provide them. 
I sincerely appreciate your helps in protect all consumers like me. 
Respectfully XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information to be removed from my credit report.

Delete Accounts : from my credit report. Delete account in collection from my credit report because of multiple violations of the Fair Credit Reporting Act : Account as follows, bankruptcy was dismissed, voluntary letter attached for your review and Letter from XXXX XXXX suspicious activity on their system and my name and social security number was present within the affected files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires credit reporting companies, like TransUnion, to use reasonable procedures to ensure the accuracy of consumer credit reports. 



The Fair Credit Reporting Act ( FCRA ) regulates consumer reporting agencies ( CRAs ) like XXXX, and requires them to follow reasonable procedures to ensure maximum accuracy in credit reports. 



The Fair Credit Reporting Act ( FCRA ) requires nationwide credit reporting agencies ( CRAs ) like XXXX to investigate and correct inaccurate information on credit reports within 30 days of a consumer dispute. 



However, after verifying my most current credit report, the revised information is beyond wrong. The information is as follows. Last Verified : Transunion XX/XX/XXXX ; XXXX no record, XXXX no record. Date of last activity : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Creditor Remarks : TransUnion : Charged off as bad debt. Canceled by credit grantor, XXXX The account has been closed due to inactivity. Unpaid balances are reported as losses by the credit grantor. XXXX  off account. Accounts closed by the credit grantor. The Fair Credit Reporting Act ( FCRA ). Getting the late payment erased is dependent on its accuracy. DELETE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a private student loan with Citibank, which has been a problem for years. After being told it was placed in deferment while I was in grad school, I later found out that I was not eligible for a deferment after months of not bills, phone calls or any contact from the company to inform that the account had been marked as delinquent and turned over to collections. I worked out a payment plan with the collection agency and later settled the debt. I have l letter stating that the debt has been settled but Citibank continues to report that my account is past due. This has affected my credit to the point that I am unable to buy a car or get approved for a mortgage. I need this fixed immediately or I will seek legal action and ask for damages. I have disputed this with credit agencies who insist that Citibank is correct in showing that I owe them money. I have attached a letter from the collection agency stating that this account has been settled and the collection agency confirmed this information with Citibank. This is the fourth time I have had to file a complaint against Citibank concerning this matter and their inability to do due diligence and report accurate information and honor their word.
Product: Debt collection

There is XXXX debt owed to XXXX XXXX XXXX XXXX. ( The " Defendant '' has changed their name 4 times in attempts to commit blatant fraud ). JUDGEMENT was XX/XX/XXXX and was PAID IN FULL XX/XX/XXXX via XXXX XXXX. all evidence attached. XXXX retaliated AFTER FINAL JUDGEMENT and submitted a FALSE and FRAUDULENT " bill '' to Collection AFTER XX/XX/XXXX. There were NO DAMAGES as they indicate. ( Evidence submitted here and to Court, document dated XX/XX/XXXX which proves that XXXX handed over rental property to myself in complete disarray and full of damages, as noted in detail by renter, myself. These damage, as per " FAKE BILL '' submitted XXXX is totally fabricated as these damages done BEFORE I moved in. This bill is FRAUD and made-up in complete retaliation. CEASE AND DESIST and REMOVE FROM MY CREDIT IMMEDIATELY. There was rent due ONLY which was PAID IN FULL as per attached, yet they put in the rent yet again onto this invoice to collection. SUM PAID IN FULL
Product: Debt collection

Recently checked my credit report and found accounts I believe are fraudulent. Request swift action to block and remove them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information appearing on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts that are reporting inaccurately : XXXX  - Credit Card Account Number : XXXX XXXX XXXX  - Credit Card Account Number : XXXX ( Delinquent Status ) XXXX - Line of Credit Account Number : XXXX ( Collection Status ) The information reported by TransUnion regarding these accounts is incomplete and inaccurate. Under the FCRA, I have the right to accurate reporting of my credit information, and any information that can not be verified must be corrected or removed from my credit report. Specifically : Violation of the Fair Credit Reporting Act ( FCRA ) : According to Section 609 and Section 611 of the FCRA ( 15 U.S. Code 1681i ), if information in a credit report is found to be inaccurate or incomplete, the credit reporting agency is obligated to delete or correct the disputed information promptly. The burden of proof lies with the credit reporting agency to ensure the accuracy of any item placed on a consumer 's report.

FCRA Section 623 ( a ) ( 1 ) ( B ) - Information Provided to Credit Reporting Agencies : This section holds that furnishers of information to credit reporting agencies must not provide inaccurate information and must promptly correct and update any previously provided inaccurate information. As the data on these accounts is inaccurate, it must be removed or corrected immediately. 
Case Precedents Where TransUnion Was Sued : TransUnion has previously been involved in several cases where failure to correct inaccurate reporting has resulted in legal action. Notably, in XXXX v. TransUnion LLC, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled against TransUnion for failing to ensure accurate information was reported on credit reports, highlighting the consumer 's right to sue for damages under the FCRA. My case similarly involves the failure to ensure accurate and complete reporting of accounts on my credit report. 
Removal of Fraudulent Accounts : Under the FCRA, Section 605B ( 15 U.S. Code 1681c-2 ), fraudulent information that can not be verified must be removed from the consumers file within 30 days of a dispute. I demand that the inaccurate and incomplete information regarding these accounts be corrected or removed immediately. 
I request that TransUnion investigate these matters, verify the accuracy of the accounts, and take the necessary actions to correct or remove the disputed items. If TransUnion is unable to verify the accuracy of these accounts, I expect them to be removed immediately, as required by law. 
Please be advised that I am CC'ing this letter to both the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office. I expect this matter to be resolved promptly, and I look forward to your response within 30 days as required under FCRA guidelines
Product: Student loan

On XX/XX/2016, I made verbal arrangement with Windham Professionals ( contracted via the Dept of Educ ) to pay back a school loan in default. The arrangement would be to pay {$280.00} mo 240 months 20 years charging me every month electronically using my credit card. I was told that interest would be paid first & then principal which made sense when I made the calculation for the debt of approx {$66000.00} & that interest, fees, garnishment, etc would not occur as long as payment continued. I noticed that my credit card was no longer being charged & statements were no longer being received & called them. They told me that they had no record of such agreement regarding the 20 years payoff ... & that I was supposed to call them a year after I made said agreement to renew the agreement if paying {$280.00} per month in which {$4.00} would go towards principal & the rest to interest & fees that increase daily. I asked if all their calls were recorded which they confirmed bc this verbal agreement was in fact made & feel that Ive been defrauded which now increased the student loan to close to {$70000.00}. I was also threated that they would garnish wages if I did not make payment ASAP. The original call in XX/XX/2016 was made with Ext XXXX XXXX who then transferred me to a supervisor whom made this verbal agreement regarding the 20 year time period to pay off. This is a clear case of negligence, dishonest business practices, & consumer abuse. I thank you in advance for your assistance. I just want to pay the student loan but I seem to have been duped.
Product: Debt collection

debt is being report as collection or charge off in the amount of XXXX, I have never been under contract with XXXX, I have disputed several times with Experian and XXXX   the information being reported has not been validated and is inaccurate, both XXXX and Experian don't show a whole account number. also the contact information on report is inaccurate I have tried contacting XXXX through the address on my report and phone number, in which letters are sent back as un deliverable the FCPB has tried making contact and has not been able to contact either, So under FCRA not being able to dispute and wrong information add to report must be deleted, I will not file another complaint after this but am in prosses of filing a civil case against XXXX and Experian, for unvalidate and wrong information being reported to my reports and I will seeking XXXX in court, unless this is solved prior to court I will not settle the day of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I demand your re-investigation that this account XXXX XXXX Account Number : XXXX claiming that I owe this company for a debt that is not valid information. I have to date received no proof that I owe this company any debt and I am being a victim of fraud authorized activity on my credit report. I'm requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. Please note that proper documentation is NOT a print out or a bill from them but rather actual proof of the alleged debts existence. If no findings are found this needs to be deleted from my credit report immediately. 15 U.S.C 1681EB states all information on my credit report should be 100 % accuarate and up to date. Thank you
Product: Debt collection

I satisfied this charge off back in XXXX and the account should be reporting as {$0.00}. This account was already deleted from my credit report and now is showing up again and is affecting my credit. My credit has gone down 37 points due to this error and Im in the mortgage approval process. I talked to someone about rectifying this matter but it would take 30 days. I do not have 30 days to wait, this is not my fault and I would like this matter resolved asap