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

RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation. 

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided. 
2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response. 
3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision. 

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account. 
2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ). 

This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants. 

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.
Product: Credit reporting 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # : XXXX, CAINE & WEINER XXXX XXXX XXXX : # : XXXX, XXXX XXXX : # : XXXX, have 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 an 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 16815-2 ( 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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 XXXX
Product: Consumer Loan

I got a loan from  rooms to go th e bank that fiance the it was synchrony Bank. I paid the account in full in   XXXX   XXXX     in   XXXX   XXXX   XXXX     sent me a letter saying that I still owe them money. So I in return sent copies of checks showing that the accounts where paid in full. But they are still reporting to the credit agencies late payments which is wrong.
Product: Credit reporting or other personal consumer reports

I sent a request to all three companies to investigate any negative reporting on my credit report that was not accurate and most of it has not had any resolution within 30 days. The requests were sent to XXXX, experian, and XXXX
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 confidently under 15 U.S.C. 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 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

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX  ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan from SOFI on XX/XX/XXXX. 

I was having trouble uploading my pay stubs so the company requested I go through employment verification via email instead. An email was sent was sent to my employer on XX/XX/XXXXXXXX HR responded to the questions asked, verifying my employment. 

As I didn't hear back from SOFI, I called on XX/XX/XXXX and they told me the verification had not come through. 
My employer resent the email. I called to verify that they had received the verification this time. Still nothing. I asked for an alternate email address as the one they provided was clearly not functioning. They said there was no one else HR or I could contact directly. 

After days of back and forth, SOFI finally told me that my employer could call to verify my employment information. My employer called on XXXX to confirm all details. 
On XX/XX/XXXX I received a rejection letter reflecting my excellent credit score but saying that I was denied due to " excessive credit utilization ''. This information is completely false. 

I called that very same day and the representative told me that the rejection was based on my XXXX report and that I could contact them for a copy of the report used. 
I requested a copy of my report from XXXX and received it on XX/XX/XXXX. 
Not only does the report reflect my perfect credit score, it also stated that my credit utilization is good ( under 30 % ). Which I already knew as I do not use my credit card often! 

On XX/XX/XXXX, I called SOFI back and let them know that I had requested and viewed my report and that their reason for my rejection was in fact bogus. I asked them to confirm the credit card utilization that would be acceptable for approval. They could not say. I asked how their decisions are made. They could not answer. I was only told that the system is automated ( what?! ) and that I could try to apply again. 
I made clear that applying again would not help as decisions seem to be made randomly ( or perhaps based on criteria other than what a loan company should be looking at ). The worst part is that a friend of mine applied as well and was rejected even before submitting any proof of employment or other supporting materials. Was their decision simply based on her name?! 

I was told that a manager would get back in touch with me so we could get to the bottom of this. That was almost exactly 3 weeks ago and I have heard from no one. 
To say I am disappointed is an understatement. I would like more clarification on this rejection before escalating this further. It is unfortunate that someone with my background and credit history get rejected by an automated ( clearly flawed ) system with no further explanation.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$26.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is falsely alleging debt of {$530.00}, when XXXX 's account closed with {$0.00} ( XXXX ) balance. XXXX 's is in violation of fair debt collection practices act 15 U.S.C. 1692. XXXX has removed the inaccurate information, as, XXXX XXXX has allowed FRAUD to take place and delusionally believe I should pay for their failures. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Respectfully, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX
Product: Debt collection

After 2-3 years of receiving phone calls from this particular collection agency, I decided to call them and make payment arrangements. about 2 years prior to my calling, I shared with them that the reason why I could n't pay was because I was out of work, with no income due to a XXXX, but the calls continued every day. So on this particular day around XXXX XXXX, I called them to make payment arrangements because I was tired of the calls. The young lady quoted a high monthly figure over {$100.00}. I stated that I could not afford that. During this conversation, she used harsh tones that I made her aware of. She then stated that she could reduce the amount to {$100.00} monthly. I told her that was still too much. She stated she could n't go any lower. We had a verbal altercation and she boldly told me that the company had a lien on my house. There after the call ended with a payment due on the XXXX of every month. Around the XXXX of the month, I made a {$50.00} payment through my online banking, they received it XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a phone call from the same young lady stating that I did not abide by the verbal agreement of {$100.00}. I told her that I could not afford {$100.00} monthly that is why I sent {$50.00}. She was extremely rude. About 15 minutes after that call, I called back, she answered and I asked to speak with her supervisor. I got a voicemail of a male. I could not hear his name because it was n't clear enough. I left a message. Moments later, I wrote a letter to the company about my experience with their rude employee. I then faxed it and sent a copy by certified mail. On XXXX XXXX, 2015 I called back looking for the supervisor but was unsuccessful. On XXXX XXXX, 2015, I received what I call a threatening letter from the company which had no signature. On XXXX XXXX, I received {$50.00} from a friend to pay to make another payment because I did not want them to put a lien on my checking account like I was told they could do. My bank showed a payment date of XXXX XXXX, 2015, so I called the company XXXX XXXX to confirm the payment. The young man said he did not see a payment posted. I then called my bank and it was stated that they mailed the company the check on XXXX XXXX. I called the company back and told them that they should have received the check. The young lady told me they did not receive it and that they do n't control the mail. I told the young lady I believed someone was playing games and to post my check. Words were exchanged. I told her that I sent a fax. She said " We did n't receive a fax. '' I told her that I also sent a letter. She said in a concerning way, " You sent a letter? '' I said " Yep '' she asked " What was in it? '' I told her if my check was n't found soon, I would be obtaining a lawyer. she said " That 's your prerogative. '' I said " When shall I call back? '' she said " In a few days. '' I said " What is a few days. '' She said " Just a few days. '' I said " What is a few days? '' she said " Wednesday. '' I called back on Wednesday XXXX XXXX and was told they received the check on Monday XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX 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 XXXX XXXX XXXX XXXX  Balance - XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance {$46000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$13000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Several accounts and inquiries have been fraudulently added to my credit report. As these accounts and inquiries are not authorized by me, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that all associated accounts and inquiries be immediately blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries that I have identified : Fraudulent Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX o XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2021 there was a fraudulent charge on my XXXX credit card for the amount of {$4900.00}. The following day XX/XX/2021 there was a second fraudulent charge on my 5/3 Bank credit card in the amount of {$4800.00} from the same company XXXX XXXX XXXX Indiana. This is how I discovered the fraud. I received an email from 5/3 Bank stating that my credit card has been activated when I did not activate a credit card or order a replacement. I checked both credit card accounts after receiving the email and noticed the fraudulent charges. I stated to the customer service representative at 5/3 Bank that I did not activate a card or order a replacement and that I had a fraudulent charge on my account. I informed XXXX as well stating that there was a fraudulent charge on my account. XXXX and 5/3 Bank removed the unauthorized/fraudulent charges from my account. One month later 5/3 Bank informed me that I am responsible for the fraudulent charges because it was a chip card and it was used to make the purchase and proceeded to put the full balance of {$4800.00} back into my account. XXXX resolved the issue and called me to inform me of a similar situation, the customer service representative stated that it was in fact a chip card that was used to make the purchase, I informed them that 5/3 Bank stated the same thing to me and then the XXXX customer service representative stated that a phone number from Virginia called in to activate my card and I informed them I had no knowledge of that number. I am still battling with 5/3 Bank to have this resolved, I have submitted a police report to them, my XXXX bank statement showing that the fraudulent charges were reversed, I also submitted the e-mail I received stating my card was activated. I was working in the state of Illinois at the time of the fraudulent charge and I provided a pay stub and detailed payroll information of my whereabouts on the XXXX of XXXX. After speaking with a 5/3 Bank fraudulent department manager I was informed that there were in fact ( 3 ) cards with the same number in circulation, in which I only had one on me. The past six or seven months before the fraudulent charge was made on my account the only thing that credit card was used for was a reoccurring charge for XXXX. The Fraud manager at 5/3 bank informed me that the card was activated and then used for the purchase 4 minutes after activation, in which it maxed out my credit card. I researched the company name of the fraudulent charges and I can not find any legitimate information, I believe the company doesnt exist and now 5/3 is still telling me I am responsible for this payment of {$4800.00}. This needs to be rectified immediately. The case number for the above matter with fifth Third Bank is : XXXX
Product: Debt collection

Security Credit Services is a debt collector that bought my account from XXXX XXXX This account was opened XX/XX/XXXX and is being reported by security credit services as being opened XX/XX/XXXX. Its being falsely reported and the date is more than 6 years of a difference. I called the original card company and they told me when the account was opened but could not provide me with an email or letter stating this. I called security credit services and they asked me for my income, what bills I pay a month and other personal information and stated they no longer have this account. They told me it was sold to another debt collector but security credit services is still reporting it. How is this fair and legal? They are negligently ripping off consumers and falsely reporting arrogant dates to credit reporting agencies. I am a victim of fraud and they are parking this debt on my credit report unfairly!!!! Please help me figure this out. 
I also have XXXXXXXX XXXX XXXX on my credit report. It was also opened over 7 years ago. They also are changing the opened date to false dates. Saying the account is nearly 7 years newer than it actually is. Please help me!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has 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 has violated my rights. 

I looked at my Experian information solutions inc. on XX/XX/year> 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 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

A charge of {$1500.00} was charged to my Capital One card on XX/XX/year>. I did not make this charge. I called to notify Capital One but they refused to reverse the charges because they said my credit card was present. I made multiple attempts to follow through and discover the source of the charge. I actually made a call to the merchant that originated the charge with XXXX of the dispute representatives from the credit card company on the phone with me. The call was recorded. The charge was made by merchant in another country where I have never been. This is in conflict with the fact that Capital One claims that my card was present for the charge. The charges have never been reversed. I have followed up with multiple calls to the dispute resolution department a letter asking for Capital One to resolve this issue. There has been no resolution.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX in XXXX, NC to trade my vehicle in for a used SUV. My credit was pulled, and the score was what I believe to be good ( XXXX ). I received letters from 2 different banks today denying me credit for reasons listed that are not true for me, including 'repossession, lien, judgement, delinquent accounts ', etc. NONE OF THIS IS TRUE. I have never had a vehicle that was repossessed, never had a lein put on me, and none of my accounts are delinquent. I 'm very confused and worried about what might be going on, including someone stealing my identity. Please help. Thank you.
Product: Debt collection

I was in the service and went on medical leave and the place I was living at was informed and I should not owe anything to this company, now years later they are trying to collect. This is not right, I need some help.