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

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, and Experian it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX, and Experian has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Product: Debt collection

I have been trying to fix the problem with my consumer report with this company and I have been denied for many things regarding my credit. This is a defamation of my character. These are the following accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan was initially given to XXXX XXXX or some agency and after that it's been transferred to XXXX Department. 
Whenever I call XXXX, they threaten with interest rate, non-negotiable options, don't work with any plan, they were wronged and fraudulently put forbearance on my account several times and now I have more than {$10000.00} of interest without my concern. 
There is a huge fraud going on in XXXX and they are putting wrong information. 
XXXX never explained about any deferement, forbearance or any such thing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding XXXX XXXX. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with XXXX XXXX regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with XXXX XXXX frequently for the past year now. I've been a loyal customer for almost 3 years & despite all the troubles i have had with XXXX XXXX i still stayed a loyal customer. Last case i wrote, i was told XXXX XXXX  can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, i am always on time with payment. i dont believe i ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, i am asking for the late payment to please be removed from my credit report. Thank you.
Product: Payday loan, title loan, or personal loan

I responded to a pre-approved offer and while submitting information, they asked for not just my bank account number but its password so they could " link '' the accounts. I became concerned and stopped doing the application. i went to  XXXX  to research them and read many negative reviews. I did not complete the application. i went back to the website to try to cancel or close it out but it said unavailable and was unavailable the rest of the night. The application was about half way completed. in the morning I received an email saying I needed to complete the application today and funds could be in account by tomorrow. It also stated " by finishing your application you 'll enjoy ... '' My intent was to apply for a {$300.00} loan to buy dirt for an above ground pool i had purchased. i never answered the email. I called my bank today to ensure my paycheck was deposited and noticed a deposit for {$2300.00}. I called and tracked it down  to    XXXX   XXXX   and then to  Avant Bank. I called them and they told me I could return the money but would still owe a {$90.00} +  fee. I told them I never completed the application and  they insisted I did. I did not and would not. I am having my bank reject the deposit. I told Avant I do not authorize them to touch my bank account in any manner and to remove my bank account information from their records. They said they were unable to do that and that " they would n't do anything ''. The Avant person kept then trying to discuss how I intended on paying the $ 90+ fee. I did not ask for this money, I did not complete an application and I do not want their mo ney. It is a total scam, just as the reviews you can find all over  XXXX .
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands First Premier Credit Card Account I am filing a formal complaint against XXXX, Equifax, and XXXX for falsely reporting a dispute on my husbands XXXX XXXX Bank credit card account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX Bank stating that I had been removed from his account due to a dispute they received from the credit bureaus. To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. To address this matter, I have already filed complaints with : The Texas Attorney General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, Equifax, and XXXX correct their reporting errors and prevent further unauthorized interference in my husbands account. Requested Action : XXXX XXXX XXXX Bank to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. Require XXXX, Equifax, and XXXX to immediately correct their records and remove the false dispute notation. Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX because XXXX XXXXXXXX just popped up on my credit report. No one responded to my letter. I wrote again XX/XX/2021 and did not receive a response to my letter or any documents I requested. I requested an investigation on XXXX XXXX on my credit report. I contacted XXXX, TransUnion and XXXX XXXX  and no one responded to my letters or sent me any mail. It's been more than 90 days now and this unverified account is still on my credit report. I want this account deleted right now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Further more, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, Experian shows a XXXX, this account has been on my report for seven years
Product: Vehicle loan or lease

The vehicle that was sold to me new back in XXXX XXXX XXXX was a XXXX XXXX and I was over priced for the vehicle. I think I was over charged for the vehicle at {$28000.00} or maybe more. I dont understand how or what the salesperson did to give me car and the salesperson was fired shortly there after the sale. When I owned the vehicle I was promised full bumper to bumper warranty and shortly there after the car needed repairs thats when I found out that they didnt include the warranty in my deal that we had discussed and I signed off on it not knowing. About XXXX I looked further into the situation and got nowhere. The car took a turn for the worst and wasnt covered by the warranty that I signed up for so I fell behind on payments because of the faulty vehicle. During that time period I also had a few recalls on the vehicle. Since XXXX the vehicle has been in Repo and the vehicle was finally picked up in XXXX. Also before that they were already reporting negatively on my credit and because of that I cant ever get another vehicle. I asked the dealership to resolve the issue and why was the deal changed without my consent I was told it was too late and that they cant do anything about it. Is this a lost cause for me and my situation???? My credit is forever tarnished. I would tell other consumers to stay away from Kia And Hyundai XXXX institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to Transunion and XXXX to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my XXXX and transunion report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XX/XX/XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXXT IL XXXX Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid off my Tjmax card. In XX/XX/XXXX. Then I get a notice of late payments. I called and the said I had 2 cards open. THE PAYOFF was for old card I n ever got a statement for the old one. So i thought I paid and closed my card Tjmax and i get another statement for late payments saying I still owed more money on a different card. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XX/XX/2024 EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Charge-Off Entry on Credit Report To Whom this may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX Account Number : XXXX Date of XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

XXXX. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating he account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) m as highlighted in the CFPBs recent administrative proceeding ( file no. 2025-CFPB-0002 ] against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I disputed multiple accounts under my collections tab on Equifax like XXXX, XXXX XXXX XXXX, and others I have no idea where the came from. Equifax didnt take the time to investigate them.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, NATIONAL CREDIT ADJUST failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
NATIONAL CREDIT ADJUST Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Product: Credit card

I filed a Citibank Credit Card dispute on XX/XX/year> against XXXX XXXX for {$540.00} for a gift card purchased on Iberia.com that didnt work. Citibank issued a temporary credit for the investigation. I thought the case was settled in my favor after speaking with customer service in XXXX and providing documentation. Then, On XX/XX/year>, over XXXX months or more than XXXX  days later, well beyond XXXX billing cycles, the credit card company recharged me {$540.00} stating that merchant would not provide credit for the services I never received. The case was closed, Citibank stated, past the time limit for a resolution and Citibank demanded me to pay {$540.00} for a gift card that XXXX XXXX website rejected. If I didnt pay for an XXXX  gift card that did not work, Citibank XXXX to report it to credit reporting agency.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$220.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$280.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$490.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$220.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$280.00} Needs Attention MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, XXXX + {$490.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX