23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has XXXX XXXX XXXX  on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but XXXX has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXXXXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, synchrony bank does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.
Product: Credit card

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX According to the FCRA section 609 ( a ) ( 1 ) ( a ) you are required by the federal law to verify through physical verification of the original signed consumer contract any an all accounts you post of credit report. Otherwise anyone paying for your reporting services could fax, mail or email in fraudulent account. 
I demand to see verification proof ( an original consumer contract with my signature on it ) you have on file of the account I got listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verification proof, you must remove the accounts listed above I demand the following account be verified or removed immediately
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.


As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items.
Product: Debt collection

I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday XXXX but they called me 7 times on Sunday XXXX. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate inquiries on my credit report that I believe are the result of a data breach. These inquiries are being reported without proper verification of my authorization, and my repeated attempts to address this matter have been ignored by the reporting entities. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no entity has the right to access or pull a consumers credit report without permissible purpose. Additionally, under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or unauthorized information and expect a timely and thorough re investigation. 

I have contacted the companies responsible for the credit inquiries and requested verification, including a wet signature or other supporting documentation proving that I authorized these inquiries. Despite my formal requests, I have received no evidence to substantiate these claims. This failure to provide verification violates the FCRA and raises serious concerns about compliance with federal laws. 

Furthermore, I am concerned that these inquiries may stem from a data breach, which has compromised my personal information and led to unauthorized activity on my credit report. This not only damages my credit standing but also exposes me to potential identity theft. 

I am requesting that the CFPB intervene to ensure the credit reporting agencies and the entities responsible for the inquiries comply with the FCRA and remove all unauthorized or unverified inquiries from my credit report immediately. 

For your reference, I have attached documentation, including my formal dispute letters to support my complaint. 
Inquiries that need supporting documentation are : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX  XXXX Thank you for your attention to this serious matter. I look forward to your swift action and resolution. Please let me know if additional information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Mortgage

Good morning. 

I'm contacting you, in the hope that you'll assist me with my loan modification, with Bank of America. 

I began talking with them in on XX/XX/XXXX of last year. I fell behind on my payments, last year, as my mother was very sick and I had to care for her. I've submitted and resubmitted documents nearly a dozen times now - and, for the last two weeks, I've resubmitted the same information THREE times. My point of contact continues to tell me that this is what underwriting is requesting. 

It's clear that Bank of America is deliberately stalling this process. They're intentionally misguiding me. Misdirecting my efforts and straightforward lying to me. The single point of contact on my file - XXXX XXXX - has been of absolutely no assistance. I've also reached out to his manager, XXXX XXXX, and he barely gave us any more assistance then XXXX. 

XXXX This process should have been competed a month ago and t 's becoming an emotional and psychological burden to me. Boa had had all the documentation necessary to approve my modification and I have acted in good faith, fulfilling every request that they've made of me. I also have more than enough disposable income to support going back to making my payments and we need your help with this. 

Thank you!
Product: Money transfer, virtual currency, or money service

XX/XX/2023, met a man on the dating site XXXX. He immediately pursued me for over 3 months. We emailed, spoke on the phone, did XXXX XXXX, had spoken with his parents etc. Just found out XXXX hours ago, that he had stolen someone else 's pictures, lied to me and misrepresented who he actually was. Everything was a lie. He applied lots of pressure for me to help him, because we were a team... ..we 're in this together. Through the coercion, on XX/XX/2023, I wired {$45000.00} into a bank in XXXX XXXX. I've have filed numerous reports with the local Sheriff 's department here, the CO AG 's office, IC3, FTC, and FBI. I have made numerous calls to my credit union and have gotten nowhere. Mostly, they don't return my phone calls. I've been a member there for over 33 years. I have all emails and phone calls from him. He is still contacting me but I haven't led on that I'm aware of his scam. The whole situation has made me feel sick. I'm desperate to recovery my money. I will have to compiled all documents into a folder to be able to attach or forward them. I'm currently out of town until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reported fraud on my account and I notified XXXX, Equifax and XXXX and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of with XXXX XXXX XXXX of {$1400.00} with Account Number : # XXXX I do not have a contract with XXXXXXXX XXXX  NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED Transunion is the only bureau reporting this false information So delete this inaccuracy from my report
Product: Credit reporting or other personal consumer reports

Numerous times Ive reached out via mail and calling all numbers I could find for Experian and I get zero responses. Ive mailed the company twice now at the address shown on there website and app. The spellings of my name are duplicate and most misspelled. This is inaccurate information being reported of my personal information and that is against the law. Remove them as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received 2 letters of delinquent lease account. XXXX auto finance is claiming I have {$10000.00} due on lease when creditor offered to zero account balance upon return of vehicle. They offered complete credit of payments due for early return as compensation for misreporting my account as delinquent for almost one year. They couldnt find root of problem why my account reported delinquent when all payments had been made in a timely fashion. 

I do not owe any money on this account. It should be closed with a zero balance. 

I have attempted to escalate this within their corporate office aka reps that take escalated calls. I have been unsuccessful getting a manager to call me. 

I have requested no less than 7 times for XXXX XXXX, the rep at XXXX to have a supervisor contact me to better explain the situation. 

Vehicle was returned XXXX and Ive heard from nobody from XXXX since.
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt. you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices. provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information. to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute. fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease. and desist. Also, during this validation period, if any action is taken which could be considered. detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your
Product: Credit card or prepaid card

Paypal had a failure in thier software and sent my money to the wrong recipient {$130.00} on XX/XX/31 was sent to the incorrect XXXX XXXX even though I selected the correct contact that is saved in my Paypal contacts. The XXXX XXXX who received this payment isnt someone I know and I have never sent money to the email address attached to the account it went to
Product: Credit reporting or other personal consumer reports

These late payments aren't consistent with how I usually pay, so I need you to correct them and update my accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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: Mortgage

A company called my husband and I about applying for a loan after we were trying to apply with a different company who we trusted, we are first time home buyers and had no idea what was happening, a woman answered and connected us to an agent and the agent made us pay {$500.00} to lock in a rate they never disclosed to us that the {$500.00} was not refundable if we did not close the loan with them. They said it the disclosure was listed when we entered in the payment information though I never saw that and they never pointed it out verbally. When I asked them for the money back they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unidentified address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

MADE PAY TO DELETE ARRANGEMENT WITH XXXX XXXX. ACCOUNT IS CLOSED AND PAID OFF. BURUEA DOES NOT UPDATE THE REPORT. LETTER IS NOTARIZED AND SENT CERTIFIED MAIL FOR COURT PROCEEDINGS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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
Product: Money transfer, virtual currency, or money service

coinbase.com has prevented me from accessing my account. Has been making me resubmit my documents, which I now do not trust them with. They have frozen about 1k in Bitcoin. They refuse to give me my crypto back. They refuse to let my college open an account and put my crypto into his account or a company account. Shortly after uploading my documentation when I started my account. My identity was stolen and the individual who was using it, used to work for coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX LOT XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX SC XXXX ; Medical XXXX Balance : {$35.00} ; Medical XXXX Balance : {$33.00} ; Medical XXXX Balance : {$35.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized identity theft inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have written to First Federal Credit Collections ( on three occasions ) ( a copy of my most recent letter is attached ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. Not only have they not validated the debt with proof of my signature on a document but they have not written to me at all.
Product: Credit card or prepaid card

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bit the neighbors. 
I agreed to cover the deposit on the Vet XXXX The total turned out to be XXXX and I received a statement that that I would receive a credit for the remaining XXXX. 

I called when I didn't see the credit and I should wait a few days. 
My husband called back on XXXX and XXXX Vet then stated I was no longer getting a credit despite what the receipt and invoice showing I am clearly owed one. I had paid w/Carecredit so I immediately disputed the transaction. 

I sent the invoice showing the owed credit and filled out the forms. 
Apparently when they investigated XXXX disagreed ever saying I was getting a credit and despite having it in writing CareCredit denied my claim on XX/XX/XXXX. I called to inquire the status XX/XX/XXXX and when I asked about appealing the decision CareCredit abruptly hung up.