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

On XX/XX/2021 I sent a letter of dispute concerning a derogator item in their file listed under my social security number specifically, Experian Case No. XXXX, Chapter XXXX Bankruptcy On XX/XX/2021 Experian sent me a response " validating '' the account after an investigation stating that they " may '' have received this information from a third party vendor : XXXX XXXX  along with the information need for me to as them to investigate these results further. 

On XXXX XXXX I filed a dispute with XXXX XXXX concerning the accuracy and compliance of the reporting of bankruptcy. 

On XX/XX/2021 XXXX XXXX  informed me that they deleted that item on account of my dispute and that after investigating the item under dispute they were unable to verify the accuracy of the account under the timeframe outlined by the fair credit reporting act ( FCRA ) On XX/XX/2021 I asked Experian to delete the account on the basis that their third party vendor Lexis Nexus deleted the account as something they could not verify under the FCRA and they, they ( Experian ) should do the same attaching related correspondence. 

On XX/XX/2021 and XX/XX/2021 Experian continues to report this item erroneously, stating they they verified the information. 

This causes me to believe they are not investigating the dispute as outlined by the FCRA or are simply ignoring the FCRA, my dispute letters and the results of the investigation of their 3rd party vender, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of two collection accounts that have been reported on my credit report. I believe these accounts do not belong to me and have been incorrectly attributed to my credit history. I request that these accounts be removed from my credit report immediately. 

The accounts in question are : Account Number : XXXX Amount : {$1300.00} Creditor : XXXX XXXX  ( name not listed ) Account Number : XXXX Amount : {$1400.00} Creditor : XXXX XXXX ( name not listed ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( b ), I am entitled to a fair and accurate credit report. I did not authorize or provide written consent for these accounts to be reported on my credit file. As such, I am disputing these entries under the following legal grounds : Inaccurate Information : The accounts listed do not pertain to me and should not be reflected in my credit report. Under 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies.

Identity Theft : The presence of these accounts on my report may be a result of identity theft or other improper use of my personal information. Under 15 U.S.C. 1681c-2, you are obligated to take appropriate action to ensure that my credit report is not misused.
Product: Vehicle loan or lease

Vehicle was leased from XXXX in XX/XX/2020 for {$16000.00}. Down payment was {$2700.00} been paying {$450.00} a month since almost 3 years try to refinance through company Exeter finance they stated they don't refinance and i have to go through the car lot where the car came from. Ive been getting mislead back and forth thried trading the car in 2 weeks ago car is only worth XXXX then but i still owe {$13000.00} on the car after almost 3 yrs interest rate is 27 % and no car lots will accept the trad in because of the loan and this week the vehicle is worth {$4300.00}.
Product: Debt collection

yes they called me and was very disrespectful i told them i work for a XXXX XXXX and by law if i req a bill sent in the mail they should she said to me u just dont want to pay and were gon na take it form your paycheck then she hugn up .. i called back she said get off my phn i am reporting you i said do what u have to do so i called back to get name of the company and tot tell them stop harrassing me she told me i am harassing her i said i callled bc u keep calling me XXXX XXXX this was on XX/XX/XXXX they are so rude and i do mind paying my bill but i rather pay by mail something isnt right on XX/XX/XXXX she threaten to take me to court and take it out of my pay there phn # XXXX i work for XXXX refusing to send me a copy of the bill is against fdpca rule
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that US BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX  XXXX/XXXX/2021 XXXX XXXX/XXXX/2021
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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Bank account or service

I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am responding back to the investigation on my reprt from experian and transunion. Somethings on my reprt doesnt look right. I am seeing some incorrect information. dates, account XXXX, amounts dont match up across both buraues. I need a reinvestigation on the accuracy of my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to apply for a mortgage loan and discovered a fraudulent account with XXXX XXXX XXXX XXXX XXXX account no : XXXX XXXX in my credit report. I filed a police report with XXXX Police Department on XX/XX/2017 XXXX police report no : XXXX ) regarding this fraudulent account and submitted that document to the credit bureaus and XXXX XXXX. The credit bureaus blocked and removed fraudulent account from my credit reports. But recently, I checked my credit report and found out that Experian reinserted the fraudulent account back to my credit report. I contacted with Experian credit reporting agency but they refused to help me to delete fraudulently opened car loan from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX  XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX Account Number : # XXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my Experian account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

3.Account Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Reason : This account is inaccurately reflected on my credit report. I recently reviewed it and found it only shows on my XXXX account. Please provide proof of the charge-off and either update the balance to {$0.00} or remove the negative payment status for this account. 

These items are either reported incorrectly or have been resolved, and I request a thorough investigation and correction. Ive already reached out to the credit reporting agency and data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report to ensure it reflects accurate information.
Product: Mortgage

We we prey as first time home buyers that were not represented at closing so did not fully understand any of it. No disclosures on the issues of the home. The loan was through XXXX XXXX and XXXX who closed due to fraudulent loans and so our second payment ever was rejected back in 2009 the loan has transferred XXXX and no they are foreclosing since we ca n't afford an attorney we are lost with no options. Except the fact the original loan was predatory. We would like to have a payment reduction and a chance to keep our home. Please help.. Are issue is consistent with all the following descriptors.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my experian credit report on XX/XX/year> and noticed something 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I reported a fraudulent charge to Citibank on XX/XX/2022. The charges were from XXXX but Citibank called the charges the responsibility of the customer since I had purchased XXXX tickets on my card. I called XXXX to find out more info about the tickets, and they informed me the names of the individuals and email address which is not mine, and confirmed this was a fraudulent purchase. 

Both Citibank and XXXX have yet to issue me a refund, and continue to provide new email addresses or contacts or case numbers that I can refer to and inform me to wait for a call back from them. It is close to 60 days since the charge happened, and I reported it 16 days after it happened. I feel taken advantage of and am out the money from charges that were not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a collection account on my consumer report that is a fraudulent account to Equifax. The collection agency sent me documents that obtained my name but my signature was forged. They denied the block because I didn't put the correct amount. I found out that the amount XXXX XXXX is trying to collect is different than the amount that is on the bill. By law when a consumer reports an account as fraud, the consumer reporting agency is supposed to block and delete that information from the consumer 's report. 15 U.S. Code 1681c2. Although Equifax has the right to not block the information, they denied the block due to information the collection provided which was a different amount that I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them as this is the second request. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, XXXX XX/XX/18 Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX Verified as accurate XXXX XX/XX/18 Report # XXXX Dispute Results : XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXXUpdated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/2018 at XXXX pm and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX., but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/18 after my dispute with them. Both XXXX XXXX XXXX and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Product: Credit card

charge for a service on my ( discover it ) card that was not provided was not refunded.
Product: Credit reporting or other personal consumer reports

I've submitted a dispute regarding a reporting inaccuracy involving my account with XXXX XXXX, as reported through Experian. XXXX XXXX acted negligently by failing to close my account after I explicitly requested its closure. As a result, unauthorized charges began to accrue on the account. Upon becoming aware of this issue, I promptly paid the outstanding balance to settle the account ; however, the late payments and charges reported remain inaccurate due to XXXXXXXX XXXX 's failure to act on my initial closure request. 

I believe XXXXXXXX XXXX  should have a recorded phone call documenting my request to close the account prior to the accumulation of these charges. Despite multiple requests, XXXX XXXX has failed to provide any evidence, documentation, or proof of a thorough investigation to validate the accuracy of their reporting. Additionally, these requests have been disregarded both by XXXX XXXX and by Experian. 

Given these circumstances, I am formally requesting that the inaccurate information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I've attached documents that were provided during the dispute.