23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Request for Reinvestigation of Disputed Information Verification Beyond Original Creditor Dear [ CRA Name ], I am following up on my previous dispute regarding the inaccurate information listed on my credit report, specifically concerning [ insert account or tradeline details ]. While I understand that an investigation was conducted, I believe the results may not have fully addressed the issues at hand.

It appears that your investigation may have relied exclusively on information provided by the original creditor. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a reinvestigation of the disputed information, ensuring that the process extends beyond the original creditors data and includes independent verification where applicable. I am requesting that this reinvestigation comply with FCRA Section 1681i ( a ) ( 6 ), which mandates a " reasonable reinvestigation '' of the disputed information and ensures that the investigation is thorough and complete.

To facilitate this process and ensure transparency, I request the following : 1. Independent Verification : A thorough reinvestigation of the disputed information that includes verification from sources other than the original creditor, where applicable.

2. Updated Documentation : A detailed explanation of the steps taken during the reinvestigation and confirmation that all relevant information sources were considered.

3. Corrected Report : A copy of my updated credit report reflecting any changes resulting from your reinvestigation.

4. Investigator Contact Information : The name, title, and contact number of the individual or department responsible for handling this dispute and conducting the investigation, in accordance with FCRA Section 1681i ( a ) ( 4 ), which requires that you notify me of the results of the investigation, including any relevant contact details for further inquiries.

Please ensure that your reinvestigation is fully compliant with the requirements outlined in the FCRA, including a reasonable review of all relevant information, as specified in Section 1681i ( a ) ( 6 ). If the disputed information is found to be inaccurate, I request immediate correction to my credit report.

Should you fail to resolve this matter within 30 days, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring further legal actions under the FCRA.

Thank you for your prompt and thorough attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation Regarding Debt Ownership and Assignment To Whom It May Concern, I am writing to formally request documentation and information regarding the ownership and assignment of a debt that has been reported on my credit history by XXXX XXXX and North American Recovery ( N.A.R. ). I believe there may be discrepancies and misleading practices surrounding the assignment of this debt to a third-party collections agency, and I am seeking clarification through this formal request. 
The details of my situation are as follows : * Account Information : * Creditor : XXXX XXXX * Debt Type : [ Specify the nature of the debt, e.g., credit card, loan, etc. ] * Account Number : [ Specify the account number, if available ] * Original Debt Amount : [ Specify the original amount of the debt ] * Date of Charge-Off : [ Specify the date of charge-off as indicated by XXXX XXXX ] * Conflicting Information : * I have received conflicting information regarding the status and ownership of the aforementioned debt. In correspondence from XXXX XXXX, it was indicated that the debt associated with the account had been charged off. However, I subsequently learned that the debt had been assigned to North American Recovery for collection and recovery. 
* Request for Documentation : * In light of the conflicting information, I am kindly requesting the following documentation and information to establish the accurate ownership and assignment of the debt : a. Proof of Debt Ownership : Please provide documentation that clearly demonstrates the ownership of the debt by either XXXX XXXX or North American Recovery. This could include contracts, agreements, or any other relevant documentation.b. Debt Assignment Documentation : If the debt has been assigned to North American Recovery, I request documentation that outlines the terms and conditions of this assignment. Please provide any agreements, records of transfer, or other relevant documentation that support this claim.c. Contact Information : Please provide the contact information for a representative from XXXX XXXX who can confirm the debt 's status and the assignment to North American Recovery, or alternatively, provide the contact information for a representative from North American Recovery who can address these matters. 
I am deeply concerned about the accuracy and transparency of the information being reported on my credit history. It is essential that I have access to clear and verifiable documentation to fully understand the ownership and assignment of this debt. I am committed to resolving this matter in a fair and responsible manner, and I believe that having access to the requested documentation will aid in achieving a just resolution. 
Thank you for your attention to this matter. I look forward to your prompt response and the provision of the requested documentation. 
Sincerely, XXXX XXXX
Product: Debt collection

I am writing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently studied U.S. laws XXXX I am particularly aware of the provisions in the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grant me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not grant permission for any third-party collection agency to access my personal financial information. While I acknowledge that HIPAA allows for limited information disclosure, any such details can only be shared with the patient 's explicit authorization
Product: Mortgage

RE : US Bank. 
In XX/XX/XXXX US Bank was notified via email ( with attached digitized receipt ) and via phone that our property taxes had been paid. 

We were supposed to receive the refund in XX/XX/XXXX. 

Instead US Bank paid the taxes a second time, which is negligent! 

We have been waiting 10 weeks and have not received our refund of the prepaid taxes as yet. 

Please use your influence to get them to act, or else, I guess the next step is small claims court.
Product: Credit card or prepaid card

All of my autopay from my Credit Card were cancelled without prior notification while I was still waiting from the agent at the bank to resolve my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and u fair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX 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 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 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 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

I called Equifax twice in the past week trying to get erroneous accounts removed. I called and explaind that I noticed some unauthorized information on my consumer report that I would need removed under 15 USC 1681-3. Equifax assumed this role w/out my express permission or consent. Equifax did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to furnish my consumer reports. They offered to " File Dispute '' which I notified them of my right and asked for deletion immediately. I never authorized a " Dispute '' but it was initiated. Attached are the proof of initiation. The following information needs to be remedied immediately. 
My Personal information is incorrect. Any variance of my birth name of XXXX XXXX XXXX needs to be removed. Only my current address of XXXX XXXX XXXX XXXX NC XXXX should appear. 
Collections : Under new law medical bills less than {$500.00} can not be included on report. 
XXXX XXXX XXXX XXXX {$170.00} The following Inquiries were never authorized.. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX The following Accounts were are violations and needs to be removed.. 

XXXX XXXX XXXX  Acct # xxxxxx XXXX XXXX XXXX  XXXX Account # xxxxxxxxxxxxx XXXX.
Product: Credit reporting or other personal consumer reports

I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely XXXX, Equifax, and XXXX, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE im XXXX  now
Product: Debt collection

innovate recovery removed debt from my credit report in XX/XX/XXXX and placed it back on again in XX/XX/XXXX. That is incorrect and I want it placed off my credit report ASAP. Once a debt is removed it should not be allowed to be placed back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I paid off the balance of {$560.00} on my XXXX XXXX ( XXXX XXXX ) credit card. In XX/XX/XXXX I was charged a finance fee of {$12.00} which was also paid. So, In XX/XX/XXXX I  had a {$0.00} balance on my credit card. In XX/XX/XXXX, after I paid off my balance, I was charged a {$2.00} " minimum fee '' of which I was never notified. I was charged a Late Fee of {$27.00} ( for XXXX ), a Late Fee of {$32.00} in XX/XX/XXXX, along with {$2.00} " minimum charges '' for those Months. Finally in XX/XX/XXXX I received a voicemail from XXXX XXXX stating that I had an account that was past due. Needless to say I was surprised but I went ahead and paid my account balance of {$92.00} on XX/XX/XXXX ( all from a {$2.00} minimum fee ). I made up my mind to close my store card but before I could I received my updated credit report for XXXX. My credit score dropped 47 points! All from this matter with XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX to complain about this matter and hear what this {$2.00} minimum fee was about and all I was able to achieve was a credit of {$32.00} to my account. I have been watching my account closely and there has not been a {$2.00} minimum charge for XXXX, which has been charged the first or second week of the month.
Product: Mortgage

I am unable to contact XXXX MyLoanCare either through their website or by telephone for website assistance. In XXXX of XXXX they did not process my loan payment in a satisfactory manner. The charged me a late fee. I was able to contact them at the time by telephone and provided dates and information to dispute the late fee. They removed the late fee. In late XXXX I checked my credit report and they had reported me as being over 30 days late with my XXXX Payment. I have not been late with any mortgage payment in over 20 years. Nevertheless, I did not challenge their report at the time, even though they admitted by dropping the late charge that I was not late. In XXXX of XXXX, I was able to make my XXXX payment online, after much difficulty connecting to their site, Since they have proved to me they are unable or unwilling to process mail payments in a timely manner, I believe it is essential to make my payments on line to receive confirmation at the time of payment. I have not been able to contact XXXX.Myloancare either online or by telephone. Since that time I have not been able to get back to my account online, nor have I been able to reach anyone regarding my not being able to get to my account online with anyone at XXXX XXXX.My Loan Care either by phone or online. My impression is they seem to want to avoid customer contact to resolve any problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint to EQUIFAX. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date,, balances, date of last activity, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms. 

I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.
Product: Money transfer, virtual currency, or money service

First of all. They closed my account when i reported the unauthorized transactions. They added funds to account that was closed and i was unable to use the provisional credit. Then they sent the closure check to the wrong address and claim it was cashed. I was never given any provisional credit and how is there no error when i caught the person that did those transactions and also got a confession from them and turns out they are also a chime member. I did the investigation for Chime handed them the evidence and still they say theres no error. I spoke to the merchants where those transactions took place and asked them if anyone asked about these transactions in question and all of them said i was the only one that had inquire about them. ALL I WANT IS MY CLOSURE CHECK AND BE RIDDEN OF CHIME. THEY CLAIM TO SEND A CHECK BUT THEY SENT IT TO THE WRONG ADDRESS. I ALREADY SUBMITTED A POLICE REPORT TO THEM REGARDING THE CHECK. CHIME ARE LIARS, THIEVES, AND SHOULD NOT BE ALLOWED TO DO BUSINESS THEY AUTO DENY CLAIMS JUST LIKE XXXX XXXX XXXXXXXX DID. THEY DONT ACTUALLY CONDUCT AN INVESTIGATION!!! I HAVE THE EVIDENCE THAT PROVES IT!! ALL MY SAVINGS WAS STOLEN AND I CAUGHT THE PERSON THAT DID IT AND THEY CONFESSED AND CHIME SAYS THERES NO ERROR.!! IF THE CFPB CONDUCTS AN INVESTIGATION ON CHIME THEY WILL SEE ALL THE LAWS THEY ARE BREAKING!!
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  has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Checking or savings account

Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  capitol one 360 XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social
Product: Credit reporting or other personal consumer reports

XXXX credit bureau has allowed XXXX XXXX to violate my fair crediting act rights in closed and is complaint I will show that the account for XXXXXXXX XXXX is a illegal account the account is over 15 years old the account was originally open XXXX of XXXX we are now in XXXX of XXXX by fair crediting act laws This account should have deleted 7 years ago XXXX XXXX had no rights to the account from the get-go the original creditor was XXXX XXXX XXXX XXXX has no information on this account because they closed it because they were sent a cease and desist in XXXX They have no knowledge on how XXXXXXXX XXXX even receive the account and told me not to pay XXXX XXXX anything because they can not collect on a debt that is past 7 years old to begin with XXXX XXXX has uploaded more than {$86.00} negative remarks the account is showing closed but it's showing that it was sent to a lawyer and to a debt collecting agency within the company that is all a lie that is incorrect information They lied to experience and said that the account was open XXXX of XXXX which is another lie and it was done purposefully by XXXX XXXX  I was threatened by this company several times through phone calls This company has been sent a cease and desist I will enclose my original credit report from XXXX that shows the account from XXXX XXXX the original account and the account was open in XXXX of XXXX not XXXX of XXXX like XXXX XXXX reported on my credit report This company needs to be stopped I want all information from XXXX XXXX removed from my credit report immediately delete it completely all negative remarks to be deleted
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover XXXX still has NOT PROVIDED PROOF. Please remove the above inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, 2021 my credit report says Dispute resolved consumer disagrees Ive never received any update or letter stating that the dispute has been resolved. 
This has been over 115 days since I started the dispute. Chase has broken the law and I want this off my credit report and my account credited.