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

Subject : Dispute of Inaccurate Information on XXXX, Innovis, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, Innovis, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation. 
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX, Innovis, and XXXX may violate my rights under the following laws : XXXX. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
XXXX. 15 U.S.C. 1681i : Procedure in case of disputed accuracy. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
XXXX. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes. 
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than XXXX years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, Innovis, and XXXX report. Specifically, I ask that : XXXX. XXXX, Innovis, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, Innovis, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, Innovis, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting

A hard inquiry showed up on my credit report from XXXX dated XXXX/XXXX/2016. All of my online research shows that XXXX is associated with XXXX or XXXX XXXX credit cards. I have not applied for any lines of credit within several months of this hard inquiry showing up on my credit.
Product: Credit card or prepaid card

Every month for the past year I have requested credit limit increases on my Capital One credit card. I have an have had for quite some time, an exceptional credit score, substantial income, and an excellent track record with Capital One. I Have had multiple accounts that were paid on time, everytime and the balances paid off quickly. There is no reason why I should be denied a credit limit increase as I have not received one in at least a year and my credit limit is sitting at {$1100.00} only. I have have had this credit card for more than 9 years. I have many other credit cards in which my credit limit is {$10000.00} or more. I have proven that I am responsible enough to have my credit limit increased yet they still refuse and are very rude to me on the phone many times.They are imbiciles and incompetent as representatives and supervisors, never having answers and claiming they have no information. They also claim they have no access to a copy of the denial letter sent out. Capital One won't get another dime from me.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against PayPal for failing to fairly assess and resolve a dispute regarding an unauthorized transaction on my account. I am seeking your assistance in obtaining a refund of {$78.00} USD from XXXX XXXX XXXX for a subscription to XXXX that was cancelled in XX/XX/XXXX. 

As a loyal PayPal user, I trusted that the platform would be able to resolve this issue. Unfortunately, I have been unsuccessful in obtaining a refund for the unauthorized transaction. Here are the facts : - I previously had a subscription to XXXX for a few months which was facilitated through PayPal. 

- I cancelled the subscription in XX/XX/XXXX, and XXXX stopped charging me per the cancellation. 

- XXXX then resumed charging me in XX/XX/XXXX, without my authorization. 

- I made a complaint to XXXX, but they did not resolve the issue and directed me to contact PayPal. 

- I filed a dispute with PayPal and provided all the requested information on XX/XX/XXXX, including seller information for XXXX XXXX XXXX, and invoice ID XXXX. PayPal provided me with case ID XXXX XXXX 

- I also provided evidence of the cancelled status and the billing agreement ( although I was unclear on what the billing agreement referred to and asked PayPal to notify me if this was incorrect ). 

However, my case was denied for not providing the requested information, even though I supplied all the information they asked for the same day. 

I do not believe PayPal has fairly assessed my dispute and has closed this dispute in order not to lose money. 
I believe that PayPal may have violated relevant laws, including Reg E and UDAAP. Regulation E outlines the rights and liabilities of consumers and financial institutions with respect to electronic fund transfers, and the unauthorized transaction through PayPal may fall under the definition of an electronic fund transfer. Furthermore, the alleged failure of PayPal to fairly assess the dispute and provide a refund could potentially be considered a deceptive practice under UDAAP.

I am seeking your assistance in resolving this issue and obtaining a refund for the unauthorized transaction. I appreciate your attention to this matter and look forward to hearing back from you soon.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 XXXX instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXXBalance : {$87.00} XXXX XXXX Balance : {$25.00} 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

I was contacted by The XXXX & XXXX XXXX on XX/XX/XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that i had a collection on my account that wasn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on XXXX AMSHER COLLECTION SE ( XXXX  ) Date opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX
Product: Credit card

Chase XXXX transferred my credit card to a cutthroat financial institution called XXXX without my knowledge or approval.
Product: Credit reporting or other personal consumer reports

This is about a 605b request and Equifax is refusing to follow the statute. This is the third time I've requested this and they put the item back on my account that wells couldn't even verify. XXXX stated they only updated the account verified because I didn't state it was done by identity theft which I did. XXXX can not verify this account because they can't prove it was me who applied with the application. Also Equifax is refusing to document disputes done online properly. I've done multiple disputes that aren't showing up in their system and they refuse to comply and send the required notices
Product: Credit card

Even with a XXXX balance, Macy 's Credit ( CitiGroup ) charges a {$2.00} interest free each month. They also participate in a Residual Interest scheme, so even if you pay off your balance by your due date, they will charge interest on that balance. This is not explained or adequately disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX off XXXX Recent changes XXXX XXXX XXXX XXXX point since XX/XX/2023 Balance Increased WELLSFARGODEALERSVCS account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your WELLSFARGODEALERSVCS automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXXXXXX XXXX XXXX account balance decreased Today Credit XXXX XXXX XXXX Wrong info from Wells Fargo to XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 card or prepaid card

I have a XXXX credit card years.never missed payment. I had a XXXX and XXXX   XXXX on XX/XX/2017. I have insurance on the credit card I pay monthly for years. I contacted them by email and telephone. I was told they don't handle that and had no idea how to make those adjustment. I was refused a supervisor and no one did anything. I got mad at the store and they said to call my account was closed and charged off.on my credit. I have insurance.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute this false information on my credit report for years. I have repeatedly requested that this company provide validation of the information they are reporting, yet they have failed to do so. Despite their inability to substantiate their claims, they continue to report inaccurate information, causing harm to my credit and financial standing. This ongoing failure to correct false reporting is a direct violation of my rights as an XXXX. I have given ample opportunity for this company to provide proof, yet they persist in disregarding my disputes. Their refusal to act in accordance with the law and remove the inaccurate information is unacceptable. I demand immediate removal of this false information from my credit report. Failure to do so will leave me no choice but to escalate this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed a personal checking account with XXXX XXXX XXXX in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with XXXX XXXX XXXX, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to Experian. 

I telephoned XXXX XXXX XXXX, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to Experian, I had received XXXX communications from XXXX XXXX XXXX. 

As a result of my contacting XXXX XXXX XXXX in XX/XX/XXXX, they  closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need XXXX XXXX XXXX to remove the negative credit activity from my credit report. 
I submitted a dispute via Experian, and XXXX XXXX XXXX simply reported that the account is closed. 

I need XXXX XXXX XXXX to correct its mistake which it compounded in so many ways, and repair my credit report.
Product: Credit card

Citi unilaterally closed my account on XX/XX/XXXX without my request. At the time, I still had Thankyou points associated with that account. I tried to check the account points balance in XXXX but did not find any points that are expiring. Currently, Citi states that points will expire 90 days after account closure, but they put a restriction on their online system to only show points expiring in the next 60 days, which entirely prevented me from knowing which of my points were expiring at what time. Further, Citi did not proactively notify me that points will expire as a result of the closure. 

I had XXXX Citi XXXX points as of XX/XX/XXXX. As of XX/XX/XXXX, I only have XXXX XXXX points. I did not use any points during this period time, which means I lost XXXX Thankyou points from the account closure initiated unilaterally by Citi and the inability to find out this would happen. I contacted the Citi to get this resolved, but the representative was not willing to reinstate the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Mortgage

I filled a BK Chapter XXXX on XX/XX/XXXX XXXX. In the course of this Bk their lawyer stipulated on behalf of the Lenders, XXXX XXXX  XXXX XXXX XXXX, as Trustee for XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 'S, to stipulate the terms of the loan to be a secured agreed amount of {$260000.00} plus {$14000.00} for escrow advances to be amortized over 30 years at 5.0 % per annum. Payments were to begin XX/XX/XXXX in the sum of {$1500.00} plus regular monthly escrowed payments of taxes and homeowners insurance. In the event that the Debtor defaults under stipulation, a 30 day letter shall be sent for each default and a {$100.00} shall be fined to cure. None of this took place.I sent a payment every month for the past 6 years, first to XXXX servicing, then to SLS servicing. During this BK a notice of default was filed, XX/XX/XXXX, a notice of sale filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I continued to make the payments at times the amounts requested were irregular but I made them anyway. My BK was confirmed on XX/XX/XXXX and the final degree was granted on XX/XX/XXXX along with an order of discharge on XX/XX/XXXX " stating that a complaint objecting to discharge of the debtor was filed and, after due notice and hearing was not sustained '' " Any judgement heretofore obtained in any court other than this court is null and void '' Beginning in XX/XX/XXXX SLS refused by payments saying that I was in default from XX/XX/XXXX.They say I missed 6 payments. I protested by asking for a QWR on XX/XX/XXXX asking for an accounting of my payments beginning with the court stipulation XXXX XXXX. They responded but not to the original date and not simply understood, I sent another QWR on XX/XX/XXXX requesting an accounting of my payments beginning from the court stipulation beginning on XX/XX/XXXX. I have not received any response. I want to keep my property and I want to be treated fairly by the servicer/lender.
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by Midland Credit Management Inc. I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. Midland Credit Management Inc has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated.

In accordance with the following laws, Midland Credit Management Inc has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

Im unaware of this debt and I didnt have an opportunity to to dispute this debt. I didnt receive proper notification of this debt, if in fact you believe you gave me proper notification of this debt then please provide certified receipt with my name and signature stating I received it. 

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and Midland Credit Management Inc that demonstrates your authority to collect on this debt.

Licensing and Bonding Documentation Proof that Midland Credit Management Inc is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.
Product: Debt collection

A debt collection from Harris and Harris ( XXXX XXXX ) appears on my credit report in the amount of {$180.00} but I have never received a notice in my mail box. My postal address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I will appreciate your help.