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

Request for Reinvestigation of Debt Verification To Whom It May Concern, I am writing to formally request a reinvestigation of the debt that has been verified as accurate. I recently received notice that [ name of credit reporting agency or debt collector ] has verified the debt in question. However, I have reason to believe that the information provided is incomplete, inaccurate, or unverifiable. 

The debt in question : Creditor Names : 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 To properly address this matter, I request the following : 1. Detailed evidence of the investigation process that led to the verification of the debt.Show certified licenses to do business in Georgia, Show proof of OWNERSHIP under the Federal compliance policy. 


2. Copies of all documentation used to verify the debts accuracy, including original contracts, billing statements, and any other supporting records, certified documents 3. Confirmation of compliance with the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ) during the verification process. 



If the debt can not be substantiated with complete and accurate documentation, I respectfully request that it be removed from my credit report immediately, and all collection activities cease. 

Under the FCRA, you are required to complete your reinvestigation and respond to my request within 30 days. Please notify me in writing of the outcome and provide a revised report if applicable. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

The unverified accounts indicated below continue to report on my credit report in violation of federal law despite numerous written requests. The three credit bureaus never responded to the letter I wrote to them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) must be followed while validating these accounts. In the event that they do not verify these accounts, I will file a lawsuit against them. Please abide by the law in order to quickly address this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} ; XXXX XXXXXXXX XXXX XXXX {$6900.00} ; XXXX XXXX XXXX XXXX {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$55000.00} ; XXXXXXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXXXXXX : {$6100.00}.
Product: Consumer Loan

On XXXX/XXXX/2016, DT CREDIT ( DriveTimeXXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, conducted a credit inquiry to my credit record from XXXX without my consent or information provided directly by me. 

This adversely impacts my credit report at a time in which I am trying to seek financing for a VA home mortgage within the next 90 days. 

I do not have an account through DriveTimeXXXX, nor am I currently applying for an account. They claim this information was provided through a third-party company to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging score and violating FCRA or provide proof in writing within 30 days. My driver license number does not end in XXXX
Product: Debt collection

I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting to dispute information as a result of identity theft. The following accounts are not associated with my personal information. XXXXXXXX XXXX XXXX - Account number XXXX and XXXX XXXX - Account number XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX 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
Product: Debt collection

In 2008 I purchased a XXXX-door XXXX XXXX XXXX SUV. The company that gave me financing is located in XXXX, Arizona. As for this collection agency, I dont know them or who they might be.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXXXXXX XXXX NUMBER XXXX Here is the item I am asking you to verify as accurate.
Product: Debt collection

My identity was stolen and used to open a fraudulent account XXXX {$10000.00} without my knowledge. This fraudulent account appears on my credit report and is having an adverse affect on my credit rating. I did not open this account.
Product: Checking or savings account

I have made multiple requests to Robinhood and multiple complaints regarding the fact that their platform does not show cost basis information. I sold 22 shares of the security " XXXX  '' on XX/XX/2020. At the time I sold the security, Robinhood did not show my cost basis information on this security. As a result, I sold this security at a loss ( {$79.00} a share ), as opposed to the substantial gain I would have booked one week later, ( {$120.00} ). The purpose of this security was to protect my portfolio against losses in the event of a market crash/drop. The lack of correct information from Robinhood prevented me from executing the strategy that was in place. 

Robinhood compliance previously told me that system updates would resolve this error ; e.g. that I should see cost basis information for all securities going forward. This did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report FTC violation, inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Student loan

MOHELA is still reporting loans as Missouri XXXX XXXX which is causing my student loans to appear twice on my credit report, which is doubling my amount of student loans. This skews my debt to income ratio way too high.We are shopping for mortgage loans right now and the underwriters do not want to move forward until I can show documentation that this duplication is causing a credit report error. We can not access the preferred mortgage rates that we are qualified for because of this FALSE information falsely inflating my debt to income ratio. Meanwhile the interest rates fluctuate every day so being held up like this is literally costing us money on a mortgage loan terms. To get documentation I have tried to contact MOHELA. I called them. I had to wait XXXX mins to reach the phone tree. Finally I was told the wait time was XXXX hrs. No callback number was provided. I was told to call back during the time period that I was already calling. I stayed on hold for XXXX hrs before deciding that the XXXX hr hold was accurate. I then tried to email them but could only find an online email portal and no email address. I have not received any confirmation or updates from them. I have never missed a payment on my student loans. Why are they providing no service besides taking my money?
Product: Mortgage

I refinanced for a lower interest rate with Quicken Loans and have asked to have paper statements mailed to me and they refuse to mail them out before the XXXX of each month. My mortgage payment is due on the first of the month and I usually dont receive it till almost the last day of the month, so by the time I mail my check and they receive it I am running into the that 2 week grace period. I have asked several times if my statement can be mailed out sooner and they always adamantly refuse. I left for vacation on XX/XX/XXXX and had still not received XXXX statement. I called to make a credit card payment over the phone and they refused it. I was forced to give them my personal banking information in order to make a payment so I wouldnt have a late payment. I feel like that is wrong. I feel I shouldnt have to do that nor should I have to go thru the stress every month waiting on my statement which doesnt come until almost the end of every month so Im constantly in that 2 week grace period wondering if they have received my check. Ive had several different mortgage companies over the years and have never had any issues on receiving my statements in a timely fashion. I dont feel asking for my statement to be mailed to me sooner so I can make my payment on time ( not in the 2 week grace period ) is not an unreasonable request. I would appreciate any help from you in resolving this matter. I have since returned from vacation on XX/XX/XXXX and have still not received XXXX statement.
Product: Debt collection

My name is XXXX XXXX. I am a XXXX Consumer from California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX Txt Stop To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before XXXX is not allowed. 

This complaint also involves the parent company LDF Holding LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

A validation of debt letter under Fair Debt Collections Practice Act was sent to Receivable Recovery Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Receivable Recovery Services is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered in XX/XX/2017 that I had two accounts incorrectly reporting on my Chexsystems report. I immediately contacted Chexsystems and was told that they needed verification of my social security number. I sent a copy of my social security card, yet received a letter that they needed something from the social security office ( other than my card ) showing my social security number. I was able to obtain the requested document from the XXXX, SC Social Security office and submitted the requested document. I had received a corrected report with no information reported, only to later find out that Chexsystems had added an account from XXXX XXXX XXXX with someone having my name, yet a different social security number, address, etc ... I subsequently received a new Chexsystems report showing this account and also an inquiry from a company called XXXX. In addition, Chexsystems sent me bank statements and copies of signed checks from this person 's account. 

I once again contacted Chexsystems and was told to contact XXXX XXXX XXXX and XXXX regarding these accounts. Neither XXXX XXXX XXXX  nor XXXX could discuss these with me due to the fact that these are not my accounts ( I provided my information which was not the information of these accounts on my Chexsystems report ). I was sent an Identity Theft affidavit, but this is not a case of ID theft. The information from XXXX XXXX XXXX and XXXX doesn't match mine. I am sure that these companies are reporting correct information, yet Chexsystems has mixed my file with someone else 's. 

After yet another call to Chexsystems, XXXX told me that I needed to obtain a police report for them to further look into this. I explained to her that these accounts are from a different ssn and address ( which I never have lived ) and asked her what would be the basis to file a police report ). I did in fact take this information to the police department and they said ( confirming exactly what I told XXXX with Chexsystems ) that this is not a case of Identity Theft, only an error with my Chexsystems file. 

I have made every attempt to resolve this in a professional manner, supplying the requested information, yet Chexsystems refuses to correct this issue ( which they have acknowledged ).
Product: Credit card

I initiated a credit dispute with American Express on XXXX XXXX, 2016. AMEX, unilaterally allowed the merchant to reinstate the charge without properly investigating the facts. The time for resolution by AMEX/XXXX as now expired and a full credit is due to me.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

Id like a detailed review, and Im requesting the immediate removal of any inaccurate or incorrect data.
Product: Credit card

I applied for a secured credit card with US Bank simply to improve my credit and never activated the card. On XXXX XXXX, 2017 I received XXXX pieces of correspondence from them whicm compelled me to contact them by phone immediately. Ultimately I had a conversation with a man who identified himself as XXXX, a supervisor in the collections department. I asked him why I was being charged any fees when I had not activated my account. I explained to him that I spoke to a rep inside a US Bank and a rep at the CFPB who informed me that it was illegal for them to charge me any fees since I had n't activated the card. He indicated that the call was being recorded and confirmed that I should n't have been charged any fees due to the fact that my credit card had not been activated. He said that he credited a total of {$89.00} which was all of the fees that I had been charged to date including the {$29.00} annual membership fee. I asked him if my credit has been affected and he said that he didnt know. I asked him for the phone number for the corporate headquarters and he provided me with a customer service phone number. I was eventually transferred to the Excutive Advocacy Team and spoke to a rep who identified himself as XXXX ( employee ID # XXXX ). He informed me that US Bank had in fact reported one 30 day late payment to the credit bureaus. He went on to say that the previous rep XXXX XXXX XXXX had not credited all of the fees and that he would do so right then in the amount of {$4.00} which was the amount of interest charges that was missed by the previous rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was joint owner on certain loans with my ex wife going thru a divorce. I have court ordered documents, bank records, etc that clearly state I am to be cleared from the delinquent notices that appear on my portion of history because I had my money taken from me by my ex wife transferred to an account in which I could not be granted access to acquiring my portion to be able to pay the loans. And it was ordered by a judge in court my responsible portions. And the mortgage lender is not accepting anything I am sending them to clear me of the harm its caused.
Product: Debt collection

I pulled my credit report to find a {$130.00} alleged debt that was owed to a dentist. I have dental insurance. I was never notified that a portion was not covered. When I called the dentist ' I was told that the notice was sent to an old address. Therefore, I never received any notification or right to dispute the debt. They said they transferred the debt to a debt collector. They, too, never sent me anything at the correct address. Had I received proper notification and proof that the insurance company hadn't paid a portion, I would have paid the debt. As they did not follow required debt collection procedures, I would like the collection removed, for violating debt collection practices. Had they done their research, they would have known that they had the incorrect address, as DMV had my correct address.
Product: Vehicle loan or lease

This is Rebuttal response # XXXX Attn : XXXX XXXX XXXX XXXX OF ALLY FINANCIAL , INC XXXX I XXXX XXXX come to you in good faith and Honor to rebuttal a Letter send by your company ALLY BANK with application # : XXXX Dated XX/XX/2023 at dealership XXXX XXXX XXXX in XXXX, FL. Where you give your reason why can't grant extension of my credit. ( VIOLATION UNDER FCRA, EOCA, TILA AND CFBP, Under 12 CFR PART 1002.4 ( Descrimination ). So ALLY FINANCIAL, INC. / ALLY BANK, claim that wasn't prepared to accept the consumer obligation if transaction was completed and wasn't agreeable to handling transaction. Meaning you accept that XXXX XXXX exercise his right under the Law Allowed him to ask for Extension of credit on " consumer credit transaction '' and you Denied his Request. The other reason was : proportion of balance to credit limit is to high on bank revolving, Serious Delinquency, time since delinquency, number of account with delinquency and number of inquiries on report. Really? Well Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning that every time a person make a report of " Late Payment '' " default '' " serious delinquency '' " banking revolving '' etc ... ..... Under 15 u.s.c. 1611 willfully and knowingly violation, No only is False and Misleading but is a fine of {$1000.00} for every report is put on someone credit report under 15 u.s.c. section 1681n. So now that reason not to grant Credit is been rebuttal, you still in violation for no Grant Credit request on Consumer Credit Transaction on Extension of my credit, on amount request with vehicle ( copy of vehicle request is attached to this rebuttal # XXXX ) violation under 15 u.s.c section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) and under 12 CFR Part 1002.4 ( Descrimination ) for not Granting extension of my own credit. When someone is exercising their rights where the applicable law allowed it, the consumer is protected by the Law, is not the Creditor opinion/condition/Limit/False or Misleading on a consumer exercising their rights to extend their own credit on a consumer credit transaction. No one can be denied extension of their own credit, refused to grant credit on amount requested and under 15 u.s.c section 1681o : civil Liability for Negligent Noncompliance. Note : attached to this Rebuttal # 1 their is copy of letter by : ALLY FINANCIAL , INC. /ALLY BANK, Denied of Extension of my Credit and Copy of Vehicle Request on a Consumer Credit Transaction. 
A Maxim of law .... Ignorance of the law excuses no one.
Product: Checking or savings account

I done filed a complaint and they said I waited to long if you read my last complaint I was in XXXX XXXX for 28 months I had sighn power of attorney to my mom XXXX XXXX and she had went to bank with power of attorney and they denied her with a lawyer had sent me power of attorney papers to prison for me to sighn now once again my money was not in the joint account well it was after she took it out my my my own savings account no one had permission to touch my my my savings account with my name only ok I was in XXXX XXXX XXXX my money got took out my account by XXXX with out my permission and they denied my mom with a sighn and notery power of attorney so I got realised XX/XX/2022 then I went to bank over and over explain wat happened and I can prove I was under state custody in XXXX XXXX XXXX so I was in prison so thats why I did not get in contact with the bank I couldnt so I had my mom with power of attorney papers and they denied her then all sudden my money and bank account was closed and money gone how the XXXX they can get away with that XXXX they saying my money was in joint checking was not until XXXX took it out my savings with only my my my name on it she switched money out my account to the joint account then took it out of joint account and moved it to another account with only her name on it I red wat they said and its all XXXX I put my money in bank to be safe I went to XXXX  served 28 months I can prove that and also my lawyer sent me power of attorney to prison I sent it back with noerized and they denied XXXX XXXX then I get out to try solve this matter and they say I cant get my money back aint fraud insurance for this matter thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payment up to date but the credit bureaus still showing a balance over {$160000.00} though my statement showing as of XX/XX/XXXX an outstanding Principal {$110000.00}. But my loan year to date Form 1098 showing outstanding mortgage {$100000.00}. Its been 3 years Ive been asking XXXX Mortgage to fix it and several disputes made with XXXX XXXX Experian. Both XXXX XXXX Department & credit bureaus pointing to each other not updating my payments. Way back XXXX, my outstanding principal only showing {$100000.00} but starting XXXX, my principal goes up to {$110000.00}. Right now, my XXXX credit score showing XXXX. But XXXX score XXXX & Experian still showing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate account.