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

Date : XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXXXXXX XXXX  XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 


( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX when this account was paid off and closed XX/XX/XXXX.
Product: Vehicle loan or lease

I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact XXXX, which l did on XX/XX/2020 who told me they will reach out to Peritus, in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as XXXX tols me it is not in arrears and that also they told me Peritus has not sent over payment l spoke to XXXX a supervsior at XXXX. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called XXXX and they told me it is not in arrears and that they will also call Peritus as Peritus has not been documenting in my account and XXXX said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. XXXX told me they have never reported, my discharge date to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. This is my NUMEROUS attempt to dispute the information in my credit file which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This is my follow-up 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 accounts 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3700.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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

XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impos And that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Data was breached from Experian, TransUnion, Equifax.
Product: Credit reporting or other personal consumer reports

This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 14 days since I mailed the request. 
1. LVNV funding LLC Debt Buyer Collection {$3100.00} = XX/XX/XXXX XXXX. XXXX XXXX XXXX - Debt Buyer Collection {$2200.00} = XX/XX/XXXX XXXX. XXXX XXXX  Account Charged Off {$1400.00} XX/XX/XXXX XXXX. XXXX Account Charged Off {$730.00} = XX/XX/XXXX XXXX. XXXX XXXX  - Account Charged Off {$2500.00} = XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account Charged Off {$810.00} = XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account Charged Off {$860.00} XXXX XXXX. XXXX Paid Account Closed {$0.00} = XX/XX/XXXX XXXX. XXXX XXXX Account Closed {$0.00} XXXX XXXX. XXXX XXXX Account Close {$0.00} XXXX XXXX. XXXX XXXXPaid Account Closed {$0.00} = XX/XX/XXXX XXXX. XXXX Paid Account Closed {$0.00} XXXX XXXX. XXXX Open Account {$640.00} = XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I contacted this agency about I debt letter I received for a debt from XXXX that I had never once been contacted about prior to this date. I was told that I owed a sum to my doctor 's office that had not been paid by my insurance. 
I called my insurance first to verify that the correct insurance had been billed as I had changed insurances that year. When I did so, my current insurance ( I'll call it insurance XXXX to simplify ) was not in effect and I was on a different insurance ( called insurance  XXXX for simplicity ). I called the insurance XXXX and got the proper information to give to the debt collection agency to contact. I also called my doctor 's office to confirm the dates and the procedure cost. 
To my surprise, not only did my doctor 's office have no outstanding debt for me and have that visit marked as paid, but they also had no idea what debt collection agency this was as they had never worked with them before.

I called the debt collection agency back in order to confirm that the debt was listed under my doctor 's office and I was told no, it was listed with an outside XXXX XXXX I asked for the contact information for this rXXXX XXXX and was given a po box that isn't even in my state. I asked for a phone number or for an email and this debt collection agency has no other way to contact this particular XXXXXXXX XXXX 
I gave the agency my information for insurance XXXX and did my own research to find the XXXX XXXX. 
After multiple numbers that did not exist and a call to and XXXX XXXX XXXX  seller, I called the debt collection agency back and they gave me one of the non-existent numbers that they had XXXX for me. 
I decided to wait for the agency to go through my insurance XXXX provider and contact me back. The agency contacted me back XX/XX/XXXX and asked me how I would like to pay my debt. 
I can not get ahold of the XXXX XXXX they keep telling me I owe money to, my doctor 's office never worked with that XXXX  XXXX, and they refuse to take responsibility and contact the XXXX  XXXX  themselves, but still expect me to pay a debt that I don't even owe.
Product: Credit reporting or other personal consumer reports

my information was used to open fraudulent account and inquiries was placed on my credit report these are the accounts that needs to be remove from my credit report. Inquiries 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 Please remove all fraudulent accounts and inquiries
Product: Credit reporting or other personal consumer reports

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 usc 1681 e b all information reporting to someones credit report must be accurate or shall be removed immediately *Account says it was opened on different dates *Date last report is different
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor has adequate verification been provided. I request your help in addressing and resolving this situation quickly and efficiently.
Product: Checking or savings account

I wrote out a check from my joint account with my recently deceased father. The check belongs to Huntington Bank. I wrote out the check for XXXX. I received a notification on my phone warning me I may have a shortage of funds in our checking account. The amount of check that was presented to the bank was XXXX instead of what was clearly written on the check for {$6100.00}. The image of the check is online and clearly shows the funds to be taken out for {$6100.00}. I had to deposit an extra {$2000.00} to make sure the balance did not fall short of funding any other checks presented to the checking account. They gave me a case number ( XXXX ) and admitted it was their mistake, but unfortunately they can not correct the amount until XX/XX/year>. I called again today XX/XX/year>, I had XXXX file a complain in their system ( XXXX ) that it is taking too long for Huntington to rectify the situation. 

I am out XXXX. I had to scrounge around for other monies to correct their mistake. This is not the only time I have had issues with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Hard Inquiry Transunion reported that have a hard inquiry from XXXX. I never contacted XXXX or asked for their service. I tried to Contact XXXX and transunion but no luck getting the issued resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have been in contact with the companies in this complaint and the credit reporting agencies who are listing invalid information. I require these corrections to be made because I take pride in my credit file. My attempts to correct my credit file has gone on deaf ears and blind eyes so I am here now as my last stop before I involve the courts. I do not nor have I consented to allow the credit reporting companies to furnish the information that I have deemed as incorrect or not mine 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Debt collection

THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Product: Checking or savings account

They said it was suspicious activity on the account they had me verify and I did The activity. Wasnt suspicious it was a XXXX XXXX transaction that I usually make in the account and a direct deposit from my employer I have proof of emails Ive sent them in regards to this matter so they closed the account telling me I need to get proof of verification that I moved from one address to another to verify my identity identity in Is cards bank statement proof of mail when I currently live and theybwont release any of my money this has been ongoing for at least 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!