23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT.

THEY HAVE ALL VIOLATED MY RIGHTS INQUIRER NAME AND DATE 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit card

I've consistently made sure payments are on time for this account, never letting them go overdue. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent letters to the credit bureaus requesting that accounts on my credit file be investigated. USPS Tracking numbers for the letters are as followed : ( XXXX, XXXX, XXXX ). After waiting and finally receiving the results of the investigation I noticed that on an updated credit report these accounts were still showing inaccurate information. The credit bureaus stated they did complete investigations, but how is this possible when information on the same account is different amongst the three bureaus? 

XXXX XXXX # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Balance Owed, Closed Date, Account Rating, Last Payment, and Past Due Amount are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX  XXXX The credit bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instruction. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate of can not be verified, the consumer reporting agency shall promptly delete the information from the file of the consumer. 

Attached will be the certified mail receipts, proof of purchase, the letter, XXXX Credit Report, investigation results, XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I obtained a repair loan from a lender I had several notes with previously. The loan was for a term of14 months at approx XXXX/mo. XX/XX/XXXX i turned all my affairs to the person with power of atty. She contacted the loan company, explained the situation and offered regular consistant payments of $ XXXX/mo. The loan company agreed to accept $ XXXX/mo and received 18 payments of $ XXXX/mo starting XX/XX/XXXX month after month till XX/XX/XXXX. It was only then did I discovery each and every payment was applied to the interest only and not only did the principle decrease it actually went up. XX/XX/XXXX I filed chapt XXXX to prevent a trustees sale and protect my equity. This lender hired an atty who filed a proof of claim for them. However, they valued the collaterat at over {$2600.00} when in reality if it was worth {$750.00}, that would be overpriced. In the lazt 2 months I was offered {$50.00} for it.When I  accomplished what I needed to do and the court gave its approval to remove my house from the control of the trustee and the bankruptcy estate, and I was able to sell it at market value. I did and having no other real pressing issue to continue the matter I allowed the trustee to move for dismissal. Their atty did not file an adverse action regarding the $ XXXX+ they claim I owed. They notified Experian, when is unclear that the acct is a charge off and they never got any payments ( despite getting 18- {$100.00} pmts and their atty not pursuing the matter, if they were owed anything, as an adverse action in bkcy court ) .When I filed the dispute by mail the trade line was reading " XXXX XXXX XXXX '' upon receiving Experians dispute results and comparing them to my Experian report, on my report XXXX XXXX XXXX   no longer appears but it now is shown under " XXXX XXXX XXXX XXXX '' it still is a charge off and claims the amt charged off is like {$2400.00} or {$2500.00}. They have never followed the FCRA requirement to report full and accurate information, to this day they still hav n't. Now in an effort to confuse things more it isnt even being shown the same anymore. 
This complaint is against both Experian and the lender
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate unverified accounts on the three major credit reporting companies ( XXXX, XXXX, Trans-Union ) XXXX deleted the accounts, but XXXX and Trans-Union are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX   {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but XXXX and Trans-Union continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is XXXX and Trans-Union able to verify them?
Product: Credit reporting, credit repair services, or other personal consumer reports

comenity bank is reporting to the credit bureau that my accounts are charged off. they sold all of my accounts with them to an collection agency that i then paid off completely these accounts should be removed from my credit report i have disputed them several times and the information just gets updated and nothing changes
Product: Credit reporting or other personal consumer reports

I am victim of identity theft stemming from the XXXX XXXX XXXX, XXXX XXXX XXXX and also XXXX XXXX  XXXX XXXX  attached is a copy of my identity theft report showing all fraudulent accounts it is against consumer law to report wrong or fraudulent accounts to consumer credit reports Transunion XXXX XXXX XXXX XXXX XXXX {$1200.00} Account Number : XXXX XXXX {$1100.00} Account Number : XXXX XXXX Bank {$630.00} Account Number : XXXX XXXX Bank {$1200.00} Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, in the morning, I personally went to the Chase bank and had an employee wire transfer a little over {$61000.00} from Chase to XXXX XXXX accounts. By the afternoon the transfer showed a hold and did not provide me the reason for the hold, the time frame of the hold, or what procedures I was to take to resolve the hold. 

On XX/XX/XXXX, I personally went back to the Chase bank seeking what the reason for the hold was and what to do. The local employees could not figure out the reason and called their customer service. I was placed on the phone and asked to confirm basic biographical information and my citizenship. Thinking the issue would be resolved soon, I checked the account by XXXX XXXX and the status had not changed. 

I called customer service and they informed me it was a legal hold. They transferred me to another department and they stated it was not a legal hold. They further explained that they were attempting to identify the source of the funds. I clarified it was money from a house sale. 

I further explained that they had on two prior occasions also placed a hold on XXXX transfers for {$590.00} and I had to call and give them the reason for the transfer before they approved it. I am certain that this is being done because I am of XXXX origin. I seriously doubt Chase bank does this with all of their customers. I was placed on hold again and gave up waiting to hear another fake excuse and no answers as to why Chase keeps refusing to transfer my money without s lay and a hold each time.

Please find out the reason and the time frame Chase is holding my money, and why it keeps harassing me as a XXXX man trying to deal with my personal business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these ITEMS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 ITEMS without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

as a result i filed a FTC report for identity theft.XXXX i.c systems reference # XXXX acct. number XXXX
Product: Debt collection

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed XXXX, XXXX account on my consumer report via Experian as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to CongresXXXX, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted Experian and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted XXXX, XXXX via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, XXXX, XXXX is still being furnished on my consumer report via Experian. I, XXXX XXXX XXXX, never gave XXXX, XXXX permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Product: Credit card

On XX/XX/year> i was traying to get a secured card becouse i Was traying to fix my credit but for some razn capital one didnt take XXXX XXXX for secured card so i call many times they tolkme they didnt know Was going on so i been traying to fixed this issue never i have the card also Was not my foult for some.reazon they take the.secured.money as deposit i Will like this hard.inquiere take out from my cedit scored.becouse.is not fear also never i gey the card
Product: Vehicle loan or lease

Hi, I had a dealership offer to purchase the vehicle at {$17000.00} whole the loan is at {$15000.00}. I am requesting reconsideration to allow the dealership to purchase this loan if not RBFCU will loose money if sent to auction and receives less than what is owed of not less than what the vehicle is worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information has lead to consent credit inquiries on my credit score causing a decrease in my credit scores due to constant inquires from XX/XX/XXXX until XX/XX/XXXX.
Product: Credit card

I requested an explanation of why some billing statement notices have not been provided. They should have gone ( separately ) to both me and my wife. I was only told that we asked for electronic statements, not paper statements. While correct, that does not explain why some electronic statement notices were not provided. I have requested that all associated fees and interest be forgiven. That has yet to occur. In addition, I expect to ask that credit reports be corrected appropriately.
Product: Credit reporting or other personal consumer reports

Imma victim of fraud if theft and they refuse to send me my report by mail and I cant see have no access to it online and dont know why their preventing me from seeing it or disputing information on my report
Product: Credit reporting or other personal consumer reports

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXXXXXX, and Transunion have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Credit card

XXXX XXXX  XXXX issued refund amount {$7900.00} to my Citicard personal account. On XXXX Citi customer phone agent was given my refund request to be electronically transfered to existing personal bank account on file. Agent issued confirmation # XXXX that refund will be transfered " in 3 to 5 business days per policy ''. On XX/XX/XXXX Citi cust. phone agent-phone # XXXX was informed refund not received & asked where {$7900.00} was. Agent reported, " refund is in your account & cited 5 business day policy. I demanded refund per policy as this date was 4th business day. On XX/XX/XXXX apprx. XXXX Citicard personnel identified as " branch manager '' issued confirmation # XXXX " expedited transfer '', that previous confirmation # XXXX was reviewed from XXXX refund request, and {$7900.00} to existing bank account after reviewing route, acct number with branch manager and transfer will be in " 34-48 hours ''. On XX/XX/XXXX apprx XXXX Citi customer phone rep notified refund not received. My demand to branch manager or supervisor was denied rep stated & rep stated she was told to inform me that the refund request " will take 5-7 business days. ". Please help me with receiving my refund. Citi has not responded to transfer my refund and not co-operating at branch mgr level
Product: Mortgage

My home was foreclosed on after attempting XXXX Programs and modifications. We were later told our mortgage payments had been mis-applied to another customer with the same last name XXXX.