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 or other personal consumer reports

I'm NOT satisfied and convinced with their method of investigation. They are releasing various reports and don't align with each other.
Product: Credit reporting or other personal consumer reports

recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX XXXX Account info Account number XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$640.00} Balance updated XX/XX/year>. 
I never gave anyone consent or permission to sell my information which is against the law to do so the first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

More inquires that I did not authorize XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX of XXXX, XXXXXXXX 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

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Debt collection

Account Management Resources , LLC s ent invoice of payment and a balance of  XXXX . Marked Late the month of  XXXX /2011 and current   XXXX  2011. Account Management Resources, LLC failed to mark DISPUTE BY CONSUMER on credit reports within 30 days of received dispute. According  to Federal Law FDCPA 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 )
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY XXXX ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Life for me is sinking, I am depressed and discourage. My credit score is being effected by an account that isn't mine. I am a victim of identity theft please help me. in 2017 somebody open a phone line under my name. This account was open for {$170.00} I sent a letter in and never got a response back. This account is hurting me and my family. I have attached a FTC report which is a police report as proof. Thank you.
Product: Debt collection

I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed Midland Funding LLC and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we were having difficulty making the minimum payments on some bills due to medical bills and health issues. I spoke with Citizens Bank ( based out of Rhode Island ) numerous times during this period asking for assistance in reducing our min amount required or extending our  due date. They refused to assist due to the fact that we were not past due or in collections. I told them I could pay the amount owed on a specific date in XX/XX/XXXX and asked if that would keep us in good standing and prevent us from being reported to collections. The representative said yes it would keep us in good standing. I made the payment on the date instructed, the payment posted, and we were still reported. It has taken over a year for me to dispute this with all three credit bureaus, and then send my letter to Citizens asking them to remove the error. This is a bank error. I was given a date to pay my bill to remain in good standing and I paid it. I spoke with numerous channels after the delinquency hit my credit report and they said they investigated but no one would tell me if they found the actual phone call I was referring to. In XX/XX/XXXXI was advised by the credit card customer service area that if I dispute with the bureaus, and then write a letter to a specific address at Citizens, it will be removed. I even had the representative clarify ... will it be researched or removed? He said it will be removed. So I spent months disputing the information and finally mailing a letter to Citizens and they still will not remove because they can not locate proof of my conversation. They also confirmed that not all calls are tracked accurately as they should be according to their policy for logging customer calls, so they have no way of determining who I spoke with to research. However no one can tell me the outcome of the calls they were able researched until yesterday. I was not given specific information, but I was informed that even if I was told an incorrect date it would not matter. This affirms my belief that they are aware I was misinformed they just refuse to do anything about it. I must reiterate again that even after the fact, I was told by a rep that all I had to do was write a dispute letter and they would remove the information. I do not understand how it is legal to tell someone you can pay by this date and we will not report you, and then still report you. And then tell me to write a letter and it will be removed, and then not remove it. This lowered my score over 100 points and caused undue financial hardship on me. I believe they are choosing to treat me unfairly and are violating the Fair Credit Reporting act and UDAAP.
Product: Debt collection

IQ Data International first attempted to collect a debt I did not owe, back in 2012. They listed a certain amount, and reported it to the credit agencies. Now, FOUR YEARS LATER, the same company has listed an entirely different amount, and reported it to the credit agencies. 

This is illegal.
Product: Credit reporting or other personal consumer reports

Under FCRA Section 609 ( a ) ( 2 ) Section 609 ( a ) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer 's file at the time of the request and the sources of the information.

I Have Filed A FTC Report For The Following UNAUTHORIZED INQUIRIES!!

Please DELETE Immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On these dates XX/XX/2023 At XXXX. ; XX/XX/2023 At XXXXXXXX XXXX ; Victim did receive an Illegal Solicitation from Respondent XXXX to my Opt Out Email Address XXXX. 

Victim states that respondents have acknowledged that this incident has occurred while Victim is Under the Protections of the Debt Bondage Repair Act. 

Victim states that Respondent is a Known Trafficker of said Victim. 

Victim states that Respondents are repeat and habitual offenders. 

Victim States that Company has refused to remove Adverse Information and have deprived Victim of Rights under the color of law.
Product: Checking or savings account

In XX/XX/XXXX {$240.00} was taken out my account through an atm without my approval or knowledge. I was at work from XXXX till XXXX, this transaction was done at XXXX. I have attached my timesheet address proof. The debit card was in my possession when this fraudulent activity was done without my permission. When I filed a dispute with chime on XX/XX/XXXX at XXXX pm they only took XXXX min to investigate it Didnt bother to look at my time sheet. Their company has history of doing this, they refuse to refund me and didnt bother to look at evidence given to them. They refuse to provide legal department information too.
Product: Checking or savings account

I financed a vehicle from PNC bank, followed there instruction to access online banking and pay installment, i registered and logged in, next day i try to log in it says you need to register a cell phone number, i don't have a cell phone, after that i called the number provided and waited 30 min and since then i been getting transferred and customer service making excuses by drooping the line saying we cant hear you,, worst online banking experience ever, never banking with PNC again, customer service res are rude and even don't know any thing about solution, they keep reading from manuals
Product: Credit reporting or other personal consumer reports

This is my filling complaint to the SYNCB/PPC since XXXX was never been informed about this account and for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, This demand letter of deletion should be taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting

I have the name XXXX XXXX on my report. I do n't know her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX is holding Ally Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ally Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to Ally numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sr First think you for your help and I wish the best news for you, for other reasons I have something very important for me to complete my information and my account for my future life and for my family, and I need you to help me and give me more information about my future life and my SSN information to claim my credit report and account bank. 


The second thing I try to contact the transunion and XXXX   and XXXX customer service and I was calling them several times to asking them to give me my credit report for my XXXX XXXX XXXX account and my XXXX XXXX credit card. 
but they never send it to me, I HAVE RECEIVED MY REPORT BUT I CAN'T UNDERSTAND ANY INFORMATION ABOUT IT ALSO I CAN'T FIND MY ATM CARD NUMBER Could you please help me sr and give me more information about my SSN INFORMATION FOR MY FUTURE LIFE AND MY ACCOUNT BANK AND MY XXXX XXXX ACCOUNT AND CREDIT CARD, PLEASE THANK YOU SO MUCH FOR YOUR SUPPORT I WISH THE BEST NEWS FOR YOU AND YOUR LIFE Best reagards XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo. At the end of 2020, I had a returned payment for insufficient funds which I promptly paid and brought the account current. The last couple statements of this account indicate that I have no missed payments or delinquencies. Two weeks ago, Wells Fargo reported me as 30 days delinquent. I promptly contacted them to correct the erroneous information and they have so far not corrected the issue on my credit report which has caused a 70 point reduction in my credit score and a reclassification of my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. ThXXXX XXXXn/TransUnion/XXXXx Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased several items online from XXXX using my TD Cash Card. One of these items was on backorder and didn't ship until XX/XX/XXXX, which was posted on my XX/XX/XXXX statement. This was for {$9.00}. Since I was not using this card and since I had electronic statements I neglected to pay this amount on time. Once I realized this mistake I promptly paid this amount in full on XX/XX/XXXX. However there were late fees charged to the account so on XX/XX/XXXX I call TD Card Services and they agreed to waive a number of the late fees and we agreed that if I sent them an additional {$9.00} this would settle the account. Again, I have not used this card since XXXX, XXXX. I promptly sent them {$9.00} via electronic check which credited my account on XX/XX/XXXX. 

Today, XX/XX/XXXX I received a notice that my account balance is now {$130.00}, all late fees and interest in late fees.
Product: Debt collection

In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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

I had unauthorized charged on capital one account through lord and XXXX. I had forgotten that I had this credit card since Ive rarely used it. I filed a police report in XXXX XXXX, and sent it to Capital One Credit Carr and for the unauthorized charge. I received a letter from them saying they took the account back and it remained unchanged. This ongoing situation has been going on since XX/XX/2016 and has yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Product: Credit reporting, credit repair services, 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 XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : 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: Vehicle loan or lease

I am a victim of fraud I have 21 hard inquiries That I did not approve of -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT ACCEPT CORP/CAC ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a huge mistake by Kohls company. I was shocked when I reviewed my credit report Today and found late payment for 30 days for this month XXXX XX/XX/XXXX ). When I went to Kohls in XX/XX/XXXX, I was advised my cashier to open a store card with them, and she guaranteed that I was going to receive the statement at home within a month. I've called your customer services several times asking them to send me the bill and I haven't received it. 


I am not sure how this happened, but I thought until later that i had made the payment. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I drove down to a local store and talked to the same rep today and as you can see i made FULL payment in-person. Please see the attachment receipt.