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

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

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 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 Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
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 rights to privacy and confidentiality under 15 USC 1681. 
Chapter 7 Bankruptcy : # XXXX, XXXX : # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some tings 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 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX & XX/XX/XXXX. Went to XXXX for Trans Union report. Filled in form, clicked to get report and got a TransUnion page that said : ( light blue logo ) '' TransUnion '' " Welcome, XXXX XXXX '' ( my name ) ( bold black letters ) '' System Error '' ( in red ) " We are experiencing technical difficulties. '' What to do : try again later call XXXX or request by mail After several attempts, retyping my personal information each time, I got the same System Error. So I called and asked when the system would be fixed. Nobody could answer and nobody even cared about the problem, they only asked for my personal information. I got transferred to different personnel who also didn't know or care about the system error. Some offered to send a paper copy of the credit report, but I want a digital copy. Finally I was told to talk to the 'credit monitoring ' dept, who would know about the web site. They didn't and offered to send me back to the main phone number. When I asked for a supervisor, they hung up the phone. So far I've spent much of two days to get a report that should take 5 minutes.

It seems that nobody can get a credit report from TransUnion due to a System Error, and the company is not at all concerned about it. 

Every year some of these reporting agencies make it very difficult to get my free credit report. They claim that they were unsure of my identity sometimes, although they've been tracking me for many decades. Always some excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XX/XX/XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX  and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me,  however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently  divorced and need to provide a home for him. I am a U.S XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.
Product: Payday loan, title loan, or personal loan

I was a member of XXXX and I am still I was a customer of theirs I haven't paid them yet or lately due to health reasons but they never once reported me to the credit bureaus as promised to help raise my credit line and limit you never disclose that they told me that they would and it's never been done and then they kept hitting me with these every once every few months so I would like to either have them completely removed from my account and have my money returned to me that for false advertisement and I do see that 8th class action lawsuit was recently won back in 2016 for this very reason but I wasn't aware of it at that time either and I was using their service in 2016
Product: Debt collection

I received a notice dated XX/XX/2020 informing me that Portfolio Recovery Associates, LLC ( PRA ) had purchased my credit card debt from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX with a balance of {$580.00}. 

On XX/XX/2020, I called PRA with the intention to settle the debt. The representative on the phone told me that PRA could settle the account if I paid {$490.00}. 

I asked the representative if PRA ever settles for less than the original amount offered. The representative told me that yes, it can happen, but only " randomly. '' The representative also told me that the offer would expire on XX/XX/2020 and I would be required to pay the entire balance. 

I asked if I could negotiate a settlement of {$300.00}, the credit card 's limit. The representative confirmed that PRA could not offer settlements less than what appears " randomly '' on the computer.
Product: Credit reporting or other personal consumer reports

according to 15usc 1992 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed collection accounts : # XXXX # XXXX directly with XXXX  XXXX XXXX and they advised me that these false accounts " have been returned to XXXX ''. 
I have no knowledge of who XXXX is or why these disputed accounts " were returned '' to this XXXX company, but in any case these accounts should not be reported by XXXX  XXXX now so please delete these false accounts asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX ABOUT A BANKRUPTCY ON MY CREDIT REPORT. EXPERIAN PROVIDE A RESPONSE AND SAID THE BANKRUPTCY REPORT WAS VERIFY WITH XXXX XXXX AND THEY COULDN'T DELETED THE INFORMATION. EXPERIAN PROVIED FALSE VERIFY INFORMATION TO ME ON EXPERIAN REPORT NUMBER XXXX FOR XX/XX/2019 EXPERIAN REPORT NUMBER XXXX FOR XXXX AND REPORT NUMBER XXXX FOR XX/XX/2019. HOW DID EXPERIAN CONTACTED VENDOR NAME XXXX WHEN THE PUBLIC RECORD SOURCE FROM XXXX WAS DELETED FROM THERE INFORMATION SYSTEM AFTER A RE-INVESTIGATION AND MAIL ME OUT A LETTER ON XXXX XXXX. CASE NUMBER XXXX CONSUMER NUMBER XXXX FROM THE XXXX XXXX SYSTEM EXPERIAN NEVER VERIFY THE ACCURACY OF THE PUBLIC RECORD, INSTEAD THEY SENT A LETTER SAYING THAT IT COME BACK VERIFY.. THEN EXPERAIN SENT A LETTER TO ME SAYING THEY VERIFY THE INFORMATION WITH U.S BANKRUPTCY COURT CONFIRMED THE INFORMATION. HOW IS THIS SO WHEN I WAS SENT A LETTER IN THE MAIL FROM UNITED STATED BANKRUPTCY COURT ON XXXX XXXX. THE CLERK '' S OFFICE DOES NOT PROVIDE INFORMATION TO CREDIT REPORTING AGENCIES. I WILL UPLOAD A COPY OF THE LETTER, AGAIN EXPERIAN PROVIED FALSE INFORMATION TO ME.
Product: Credit card or prepaid card

I filed protection under the Bankruptcy act XX/XX/2020, and Target Credit Card didn't adhere to the Federal Bankruptcy Law. The BK law protects from creditors like Targets. Doing the time I was under Bankruptcy, They reported late payments on my credit file. Also the law indicate the creditors can not report negative marks to the reporting agencies until the BK has been discharged. I would like this account deleted from my credit file as soon as possible.
Product: Debt collection

In XXXX, 2022, We ordered furniture and it was sent to us. this is a online company. Conn Furniture who really did Conn us. they sent a broken living room set and charge us XXXX we request for someone to come from there company to look at it. he reported it in need of repair and to be replace. They refuse to take this broken living room set that we set picture and reported it several times and gave us bad credit on this. So I'm not paying for a use broken couch so they call my number everyday on the hour on sat and Sunday and late at night. to get me to pay. customer service will not talk to me. just send a robo call to consistently harass us with calls. I ask them to come and pick this couch up and they said they don't take returns, but someone did return it because its so horrible that you cant sit on it.they came out 2 times and reported that I need a new couch and they refuse to fix it just call and call for payment. its not fair. I did not ask for a use sofa. and We call them to return it back in 2 weeks after it was delivered and they also have a extra warranty on the account. this people act like the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MYNAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXX XXXX. I have already done a dispute and I was told that I was not the one filing the complaint???? 
PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OHXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution.XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

Opened New Checking account with Wells Fargo branch in XXXX, NJ on! XXXX XX/XX/2021 and was issued Starter Checks. Individual named XXXX XXXX XXXX was named Successor Executor to my deceased sister 's final Will. I was named Executor. In the grip of grief heading to Indiana for my sister 's burial, the Successor Executor requested that I write her a check for {$5000.00}. I mistakenly complied not emotionally able to process why she had requested the check and needed an immediate explanation of why she asked for that sum of money. By the evening of XXXX XXXX, receiving No response from Ms. XXXX, I became leery that she was taking advantage of my grief to get her hands on my sister 's money and takeover the Executor responsibilities and I initiated a Stop Payment on the check I had written. 
I never heard from Ms. XXXX until Tuesday night when she called to express outrage that I had put a Stop Payment on the check, accused me of Fraud claiming I could ruin her Law Practice and demanding I free up the {$5000.00} the next morning, threatening to place a " Freeze '' on the account to prohibit any activity. Within two days, I checked my account balance to learn that someone had cashed the check with a Stop Payment. Immediately contacted Wells Fargo Fraud Customer, reported the failure of the Stop Payment to be honored and demanding the return of the funds to my account. Multiple Customer Service representatives passed me from one number after another, assigned two different fraud claim numbers and assured me the funds would be reinstated in a few days ; this never happened, even after I spoke with supervisory CS agents that assured me the funds would be restored. Not hearing anything from Wells Fargo for a week and noticed No Change in my account balance, I called with my Fraud Investigation Claim number and was told Wells Fargo I had decided to take No Further Action and to " work it out '' with the recipient of the check. I had a documented Stop Payment confirmation. This is not a customer 's fault : I need Wells Fargo to make this Right and return my {$5000.00}.
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 rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion Due to Inaccurate and Inconsistent Reporting by Experian and XXXX XXXX XXXX XXXX  Account Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and XXXX regarding inaccurate and inconsistent reporting of an account from XXXX XXXX XXXX  on my credit reports. I respectfully request that this account be completely removed from my credit files due to the inaccurate and inconsistent reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Experian is reporting this account as Closed Profit and Loss Write-Off, which suggests the creditor has written off and closed the account in their records. 
XXXX is reporting the same account as an XXXX XXXX, which inaccurately suggests the debt is still open and active. 

These conflicting account statuses are misleading, confusing, and damaging to my credit profile. I have made multiple attempts to have these errors corrected directly with both credit bureaus, but they have failed to resolve the issue. The FCRA requires information reported to consumer reporting agencies to be accurate, complete, and consistent. These discrepancies clearly violate this requirement. 

Additionally, since XXXX XXXX XXXX  has internally written off this debt ( as shown in Experians reporting ), there should be no remaining obligation reported as an open balance on any bureau. 

Requested Resolution : I respectfully request that the CFPB direct Experian and XXXX to : XXXX. Immediately delete the inaccurate account from my credit reports with both agencies. 
XXXX. Provide written confirmation of the deletion. 
XXXX. Provide an explanation of how they verified the accuracy of their previous reporting if they do not delete the item. 

Attachments : Experian Credit Report highlighting the inconsistent account status XXXX Credit Report highlighting the conflicting information Supporting documentation regarding the status of this account Thank you for your time and prompt attention to this serious matter. I trust the CFPB will assist in ensuring my credit reports are accurate and fair, in accordance with federal law. 

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

For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the XXXX of XXXX reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.
Product: Debt collection

Looked up the name in my XXXX Report and " Credit Services of the South '' was not found. They have 3 ( three ) accounts in Collection on my report and I don't even now who they are and what they are.