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

Dear CFPB, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report. My dispute letters have been created using accessible software available to everyone. Refusing to process or address my letters violates 15 U.S. Code 1681i. It is unlawful to delay processing consumer letters based on an assumption of third-party assistance, as this does not qualify as a legal exception.

I am the sole author of my letters, or they have been written with my full knowledge and consent by my advisors. There is no requirement for a Power of Attorney to process consumer letters. Any failure to process my letters promptly will be seen as a deliberate disregard for my consumer rights, and I will pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the XXXX XXXX data field reporting standards, I have the right to dispute incorrect information on my credit report. It is crucial that all data in a consumer 's file is properly documented and validated before being used by creditors. The allegations of delinquency and derogatory information against me are false, and I will not tolerate misinformation affecting my financial history. These allegations do not meet federal or state reporting requirements and can not be substantiated. 

The XXXX data breach has led to fraudulent items appearing on my credit report, which I do not recognize. I did not authorize the sharing of my non-public information. Reporting this information is neither fair nor equitable as per 15 USC 1681 602 ( a ), which guarantees my right to privacy. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

Per 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years, except for criminal convictions. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing information known to be inaccurate.

I request documented validation of the authenticity and lawful use of the information on my credit report. As per the Fair Credit Reporting Act and 15 USC 1681 604, all users must have a legitimate purpose for accessing consumer reports. My report contains inaccurate personal information, late remarks, and unauthorized inquiries.

This notice serves to inform you that any delay in processing my letters will be viewed as a violation of 15 U.S. Code 1681i, and I will seek legal recourse. The accuracy and compliance of your data are your responsibility. Please ensure that all claims are accurate and reported in the appropriate format as mandated by the FCRA and XXXX XXXX standards. 

I expect this matter to be handled with the utmost care and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information on my personal private credit report, they are showing acts of defamation to my character. 

It is a fact that on XXXX my credit file was not reporting XXXX XXXX XXXX according to the notice I received from Equifax. 

According to federal law 15 U.S. Code 1681i ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a XXXX payment of {$400.00} from my Ally account to a person selling Event tickets. The tickets turned out to be fake. According to the XXXX guidelines this is a covered benefit. I submitted a dispute with Ally on XX/XX/XXXX asking for a refund and have since contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ally has been non responsive and is not following the XXXX guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

The report on my credit report by collections is fraudulent i never saw a doctor and charge {$1000.00}. collection company hung up on me and never gave me details. XXXX XXXX XXXX is the company that called me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many Hard Inquires to my Credit report that I was Un aware of. I did not authorize them. I have contacted TransUnion and they want we to report to the FTC and send them a copy when complete. 

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

XXXX XXXX credit card services reported that there was an incorrect 30 day late payment on my credit card. After an investigation, XXXX XXXX realized they made an error and reported it to XXXX, who updated my credit file. However, Equifax has not. Please have them fix this problem immediately.
Product: Credit reporting or other personal consumer reports

So I have provided all the information they requested and they still denied my claim of it being someone else who took a student loan and I have already provided them with a police report. And I am so frustrated that I don't know. What to do at the moment because now I am talking to the students affairs at the university with the guy name XXXX
Product: Checking or savings account

Chime closed my account in XX/XX/XXXX and just reopen it today ( XX/XX/XXXX ), but the balance is XXXX. Chime adjusted my balance at XX/XX/XXXX from {$3300.00} to XXXX. My {$3300.00} is gone!
Product: Debt collection

I thought this issue was cleared up over a year ago but it is most distressing that yet another collection agency, Allied Interstate LLC, is calling looking for the previous owner of the property we now own. We have owned this property for 34 months. I have attempted to explain such to them, to no avail. Their repeated calls continue. My request to speak with a supervisor are ignored and they hang up on me. With the latest call on XXXX XXXX, 2017 at XXXX I was able to speak with a supervisor whose I English I could barely understand. Will he heed my request to stop these calls? I could n't tell, as I was unable to understand him. Anyway these Debt Collection Services are not to be believed. Please assist in having these calls interrupting our life.
Product: Credit reporting or other personal consumer reports

Late payment added to my credit report without consent or notification. Investigation was improperly completed. 

Late Payment Policy Verbiage for 15 USC 1666b ( Prompt Crediting of Payments ) : Under 15 USC 1666b, creditors are required to credit payments promptly to your account on the date they are received, as long as the payment complies with the creditors reasonable payment processing requirements. In cases where payments are not properly credited due to an error or delay by the creditor, late fees or penalties may not apply if the payment was sent on time.

If payments are not made in accordance with the creditors specified requirements ( e.g., correct account number, address, or payment method ), the creditor may apply a late fee in compliance with their terms. Ensure you carefully review the payment instructions provided to avoid unnecessary fees or complications. 

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Product: Credit card

I lost my card around XX/XX/XXXX ( Account # XXXX XXXX XXXX XXXX Visa Signature but shown as Account # XXXX XXXX XXXX XXXX on XX/XX/XXXX closing statement ), which is currently # XXXX XXXX XXXX XXXX, and I found out about it around XXXX and then reported it lost and stolen. Apparently, I also saw another transaction on XX/XX/XXXX that wasn't mine. I had to report it to the issuer, Bank of America, and I wanted to let them know that I didn't make these charges. After a month of not hearing from the bank or getting any letters, I decided to call them back and ask for an update, and I was told that it was resolved almost 2 weeks later. After speaking with the representative, I was told by the bank that I made these charges even though I did not have the card in my possession, and so all provisional credits were reversed. I decided that I wanted to reopen the case with a police report on file, and right now it is stuck pending. 

I was told that a letter was sent out to me, but I never got the letter, and when I checked online, it didn't say anything other than a reason why it was closed. The letter said " The merchant provided documentation confirming you received the merchandise or service ''. I saw a number on the bottom of the PDF letter, and I called for information and detailed information, but I never go to that letter after requesting it over a month, so I called around the beginning of XXXX, and they said that they were still researching, but no provisional credit was issued to me. I have no information about the letter or any evidence supporting it, so I am writing it here just in case. In the claim 's history, it said, I can not pay, '' but it didn't say anything in detail or give me anything regarding it.I also filed a police report. 

Police Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

My Bank in which I and my XXXX Vet Son have been customers for years have had some issues with the new way of cashing checks by ATM Or by Photo Banking! This is CHASE Bank of XXXX, UT. I have had my Government XXXX Direct Deposit kept by them, because of a favor I thought I did for a neighbor? But his check was cashed under my account! And then the Bank took over a week or so and sent me a letter stating my Accounts and Son was closed for a fraudulent check, in which was n't written in my name? And a time before a lady who wrote a Rent Deposit Check was put into the wrong account so I transferred it from his into mine, but after they cashed it, they charged him {$650.00} but I 'm sure I had enough of personal money to cover it but it too bounced as a closed account! Yet the customer service say we have no rights? Then why would I allow this bank to keep my XXXX checks? I am totally behind in my bills and ca n't feed my children or clothe them for school! My XXXX is partially mental illness and this branch manager has not worked anything out to help us recover our losses! Please help! 
Sincerely, XXXX XXXX & XXXX XXXX. 
XXXXXXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates us to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts have inaccurate reporting regarding amounts and dates.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 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 ( il ) 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 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

XXXX XXXX XXXX collection appeared on my credit report. I contacted them to ask what this was all about because I have not taken a loan out for a while and I have never taken a loan out with XXXX XXXX, XXXX other than my car loan from many years ago. They mailed me the attached document which tells me nothing about this debt. No validation!
Product: Checking or savings account

I have been charged overdraft fees by TCF Bank while my account was in the positive, and the bank refuses to reverse them. Furthermore, that overdraft fee has caused subsequent overdraft fees to happen which they also refuse to reverse. Of the over {$300.00} in bogus overdraft fees, they have only reversed {$100.00}.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform my financial institution and XXXX failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Debt collection

Penn Credit Corporation sent my MINOR daughter a letter in the mail today to our HOME address stating creditor XXXX XXXX Clerk of Courts were requesting a payment for a traffic citation dated XX/XX/year> {$41.00} case # XXXX. I called XXXX, first spoke with a male, then a female then asked for supervisor which after a few minutes a very hostile man names " XXXX '' ( ID # XXXX at extension # XXXX ) apparently claimed that this indeed needed to be paid and they are a third party debt collector. He slipped by stating my daughters name was a DOB of XXXX XXXX which I am not even that old nor my daughter. He was rude, demanding and hostile. I asked to please remove my daughters name and address. I am afraid that her personal information was compromised and that this SCAM could effect her safety. Please help as I called MY tax collection in county and he verified there is nothing associated with my daughters name but to notify officals of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts from 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  Data XXXX ; XXXX  XXXX XXXX  XXXX XXXX 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and it has been brought to my attention that Amerifinancial Solutions LLC has 2 negative remarks on my report of {$1600.00} each. The total debt they are claiming that I owe them is {$3300.00} ( see negative_remark.jpg ). On XX/XX/2021 I mailed Amerifinancial Solutions , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Amerifinancial_solutions_letter.pdf ). I mailed Amerifinancial Solutions , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see XXXX ). These letters are tracked and they show that they have been delivered, signed for, and received by an Amerifinancial Solutions representative. It has been over 70 days and I have yet to receive any response from Amerifinancial Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, on XXXX, Equifax report a missed payment that resulted in a 19 point drop in my credit score. Upon searching my credit report, there are no missed payments and haven't been for a long time now. My repayment has been impeccable for years. They have not done anything about this and furthermore, no one can seem to find out why this happened. It is deeply disturbing how these credit bureaus operate, without accountability, strong-arming people into purchasing subscriprions, and literally ruining lives with spontaneous, ambiguous score manipulations. These are private business es that literally take advantage of everyone. They operate with impunity and are NEVER held accountable for their actions. Consider this, did you know that once a credit bureau knows that you're applying for a mortage and generally working systematically at paying off your accounts and settling that they unearth your charge-offs and sell them to collection agencies? Yes, and then these collections suddenly pop up out of nowhere asking for money because they figure you have some now and then boom, your score has just dropped yet again because of these newly purchased accounts. And this will continue to happen until you pay off all of your charge offs. Fine, I'll pay what I owe, but a ) the credit bureaus are not being upfront about doing this, b ) it deincentivizes settlement agreements ( and even any payments, really ) and c ) it's super-underhanded, opportunisitic, parasitic, evil, and inconsiderately timed. Not only that but consider poor people trying to fix their lives! Of course, these bureaus make their REAL money off of the agencies they sell your data to, not us. They couldn't care less about us, but they certainly want to act like they do. You think XXXX  is bad, just imagine all the data manipulating that these bureaus have been engaged in for years. Equifax, if you're going to pull this, at least be upfront and at least give consumers a change to pay off some accounts and perhaps furnish them with ways to pay off their charge offs piecemeal, without having to devastate everyone. Try not to keep the poor down. And try not to kill someone's score in obscurity so that they can purchase your memberships. Surely if we were to do the research, it would be those who hold your memberships who experience less arbitrary score drop surprises. Please fix my score- I have no missed payments.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX/XXXX  XXXX {$6600.00} XXXX  XXXX XXXX {$210.00} XXXX XXXX {$85.00}
Product: Vehicle loan or lease

I bought a new vehicle and the following day removed the warranty in the amount of {$8000.00}, XXXX XXXX sent out a check to Truist with all of my information, Truist then deposited the {$8000.00} to an account that wasnt mine on XX/XX/2022, I had to contact XXXX to make sure they sent the check which is when they stated it was sent and cashed by the bank on XX/XX/2022. I called Truist bank XXXX times from XXXX ( today ) and they still have no removed my money from the account they placed it in into my account to apply toward my loan, Truist fraud department has stated they were unable to reverse the {$8000.00} check that clearly wasnt supposed to go into someone elses account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from XXXX stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both XXXX  and Experian. This time I sent a follow suite letter attaching the deleted account from the XXXX record to both XXXX and experian.I received a response on XX/XX/2019 from both XXXX and Experian that the account was updated and verified. Again, no documentation on how this account was verified. Experian sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion must delete this accounts because they are not mine. Please delete as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up. 
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX? 
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for XXXX andTransUnion.