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

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. The disputed accounts are as follows : XXXX XXXX XXXX XXXX : {$25000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX BANK XXXX XXXX XXXX {$12000.00} XXXX : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX XXXX XXXX : {$0.00} Status : Closed Account # : XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how XXXX of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Product: Credit card or prepaid card

I applied for the Chase Sapphire Reserve Visa Infinite credit card on XX/XX/2021. 
My application was not immediately approved, so I called into the Chase credit card reconsideration line at XXXX to provide more information in order to be able to expedite the process and get my application approved. 
After talking to an agent from the Chase lending team, she was willing to approve my application, however, since I already have a Chase United Club Visa Infinite credit card with $ XXXX credit limit, she needed an approval from a more senior credit analyst to approve me for the new card with the $ XXXX minimum credit limit. 
I was told by the agent that she has referred my application to a more senior agent for manual review and I will be informed of the decision in 2 to 4 business days. 
I received a letter from Chase on XX/XX/2021 that I need to call into their Fraud Prevention Department at XXXX to verify my identity. 
I contacted this department on XX/XX/2021 and my identity was fully verified. 
I was told by the agent from the fraud department that my application is being sent back to the lending team for final review and approval. 
It is now XX/XX/2021 and my application status is still pending. 
Every time I call the Chase lending team at XXXX, I am being told the same message : " Your application is currently pending. You will be notified in writing of our decision in approximately 2 weeks. '' I have been a chase banking and credit card customer for many many years. I would appreciate it, if you could look into my application, see where it is at, and, if possible, kindly obtain me an approval for the Chase Sapphire Reserve Visa Infinite credit card.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : i. Name ii. Address By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my credit report. I have recently reviewed my credit report, and I have identified several inquiries that I did not authorize. These inquiries are affecting my credit score negatively and were not initiated by me. 

Please find the details of the unauthorized inquiries below : Inquiry by 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 XXXXXX/XX/year> I kindly request that you investigate these inquiries and remove them from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

A phone call was placed to XXXX XXXX XXXX and XXXX  XXXX. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with Flagstar Bank, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX  prior to my receiving the documents which is a violation of the FDCPA, I spoke with XXXX XXXX and explained i have not received the docs, she explained they " sent them out at the end of last month '' which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting all 3 credit bureaus as they are reporting my BK-XXXX XX/XX/XXXX as dismissed/closed. This is not the case. Talked to Court today XX/XX/XXXX again, XXXX and talked to my BK-XXXX attorney both said to contact credit bureaus again as they are reporting incorrect information. A letter was provided to me and sent to attorney, according to court records my plan has been completed. ( all creditors on plan were paid in full as agreed ) could not discharge due to within 4 years of BKXXXX XXXX. This statement is on the court letter, but BK-XXXX was paid and completed. I sent a copy of court BK letter to creditors and all 3 credit bureaus ( XXXX Equifax XXXX XXXX ) and still left incorrect information. 
Court says bureaus reporting wrong and to go back to credit bureaus. ( which I did ) no change. 
What this incorrect information causes my credit score to go back to XXXX from XXXX and all the creditors that were paid are now coming back for collections and charge offs. 
I have all original letters if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Experian Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and was reported without my authorization or consent. Specifically, I am referencing the entry listed under the account number [ insert account number or description of item you dispute ] in my credit report.

According to 15 U.S.C. 1681b, a credit reporting agency may only furnish consumer information to third parties with the consumer 's written consent or when otherwise permissible under the Fair Credit Reporting Act ( FCRA ). I do not recall ever providing written consent, either directly or indirectly, for the reporting of my information to your bureau or the furnishing of my information to any third party.

In addition, under 15 U.S.C. 1681e ( b ), it is required that credit bureaus maintain and ensure the accuracy of all information reported. Since I have not authorized the reporting of this account, I request that you immediately investigate this entry to determine its origin and accuracy, and provide documentation to confirm that my written consent was obtained prior to reporting my information.

Please investigate this matter in accordance with FCRA regulations and provide me with the results of your findings. Should you fail to provide the necessary documentation or if you are unable to verify the accuracy of this information, I request that you remove the disputed entry from my credit report.

In compliance with the FCRA, I expect a response within the legally mandated 30-day period from the receipt of this letter.
Product: Credit reporting or other personal consumer reports

I'm disputing the reinsertion of two accounts on my credit report : XXXX XXXX XXXX and XXXX  XXXX XXXX. These accounts were reinserted without proper notification, in direct violation of 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion. I did not receive any such notification, which constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Also, under 15 USC 1681e ( b ), the information reported must meet the standard of maximum possible accuracy. These accounts fail to meet this standard, causing substantial inaccuracies in my credit report. Additionally, these accounts do not meet the requirements for a permissible purpose as outlined under 15 USC 1681b. Such oversights reflect a lack of diligence in maintaining compliance with federal regulations.

The failure to comply with the FCRA is a serious matter. Even non-willful violations may result in damages, and Experian could be held liable for at least {$1000.00} per violation. This issue has caused significant distress and financial inconvenience. I hereby demand the immediate removal of these accounts from my credit report to prevent further harm. Furthermore, I request a detailed explanation of the reinsertion process, including the sources of verification that were used to justify this action.
Product: Debt collection

I have contacted the company via phone and the debt is still showing on my credit report after numerous promises that this issue would be resolved.
Product: Vehicle loan or lease

I purchased XXXX XXXX  year XXXX and lost my job a couple months after and was using my saving to make payments I was making payment on my vehicle and lost my job and wasnt able to keep up with payments
Product: Checking or savings account

I have been very disappointed with the responses on my fraud case. I have spoken to a couple of Wells Fargo case specialists with no result other than sorry you authorized the fraud we can not help you! ( I did not and I have provided them with proof that it was their authentication system that was used ) I lost nearly XXXX on XX/XX/year> and have not been treated very fair as a customer. This has devastated my life. One specialist even admitted Wells Fargo should have more layers of protection yet the fraudsters win! They have not even offered me a small compensation for their lack of security on their systems. Well Fargo will not provide me anything that proves that they did not commit this fraud against one of their own customers yet I have to try and prove that this was not me and I have to accept their answer that I approved the fraud. I did not. When will Wells Fargo be accountable and provide me proof that they are not responsible for this? They say they are not but they do nothing to provide evidence. Please provide me that evidence. Thank you very much! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have no business with XXXX
Product: Prepaid card

On XX/XX/2023 I went to a local XXXX in XXXX XXXX and attempted to take out XXXX from the ATM. The ATM did not dispersed the funds so I contacted XXXX XXXX to inform them of what happened as that was the institution that was printed on the ATM. Subsequently, I was advised to contact my bank which I contacted the Wisely company. They are the payroll company that handles my checking. They stated that XXXX had to do an investigation and advised me to contact them. In addition, they stated they would put in paperwork and send to XXXX XXXX. At the time they did not have any established dates for resolution. Since the XXXX, I have called Wisely and XXXX. They are literally pointing the finger at each other regarding resolution and investigation. Wisely stated that they have until XX/XX/XXXX. As I advised both institutions I needed my funding and if I had stolen XXXX then I would be in jail right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX at a previous address. I returned all necessary equipment and closed the account on that address while switching to my new address. I had the same account with XXXX and have had the same account with XXXX for four years. There was an apparent charge from my previous address that existed even after closing the account on that address. They had all current information for me to inform me of this charge, but I was never informed. I didnt receive a single text, call, email, or letter about this charge even though they had my current address, phone number, and email. I am and have been current on my bill with XXXX every month Ive been with them. My services were not stopped when this charge existed. I also was never informed of any charge by the credit agency. I only found out about this charge once applying for a home loan and found this report from the credit agency on my credit report. This charge was such a mystery to me that Ive had to speak with two of my lenders to find out who the company was that was reporting, which was southwest credit system, as well as where the charge came from. I had to research this company myself to find their contact information because they never once sent me any communication via any method whether a call, text, email, or letter. Luckily this charge only existed for a month before I found it when applying for a home loan. This has a massively significant impact on my credit score. I immediately contacted both XXXX and the credit agency to resolve the issue, but I was only told I could pay the charge, so I did. Neither company would speak to me about anything deeper than that there was a charge ; I was given no specific information about how this charge even existed in the first place by either company. Both companies best advice for me was to speak to the other. XXXX couldnt produce a single piece of evidence showing that they tried to contact me about this charge, and would let talk to me about why the charge existed or why I was never contacted at all. The very first moment I found out about this charge via my credit report, I began the process of resolving the issue. Had XXXX or even Southwest Credit Systems notified me of the charge originally I would have paid immediately like I did when I eventually found out on my own. This should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I ran a credit report so that I could be preapproved through my bank for a mortgage. A credit card collection came up saying it was for a credit first credit card. This is some sort of a car credit card thats showing up on my credit report since XXXX. This is not my credit card and Ive never had a credit card like this one. Therefore, somebody opened a credit card in my name. The bill is now {$6100.00} and has gone to collections. I need help getting this fixed because this is not my account and its hurting my credit.
Product: Mortgage

I filed for Chapter XXXX Bankruptcy in XXXX. In the Bankruptcy my home loan mortgage with XXXX was included. This debt was discharged in late XXXX. In XXXX the loan that was discharged in my Bankruptcy in XXXX was sold to Caliber Home Loans. Caliber Home Loans began reporting late payments on my credit report in XXXX and throughout XXXX. I contacted Caliber Home Loans and asked them to stop reporting late payments on my credit reports. I supplied proof of the Bankruptcy discharge to Caliber Home Loans and their attorney, XXXX XXXX XXXX. I explained that I never entered into any loan contract with Caliber Home Loans. They refused to remove the negative information from my credit reports. The loan shows on my credit report as closed. I would like to have Caliber Home Loans entire report to the XXXX credit bureau 's removed from my files as the reporting of late payments has affected my credit score for 2 years.
Product: Student loan

I had a XXXXXXXX XXXX Student Loan serviced by Firstmark. The balance was {$210000.00} on XX/XX/XXXX. I had initially planned to refininance roughly XX/XX/XXXX between XXXX and XXXX XXXX. My XXXX ( serviced by Firstmark ) refinance for {$110000.00} was completed and applied to the XXXX loan on XX/XX/XXXX. Ultimately, it made more sense to refinance the balance entirely through XXXX XXXX ( serviced by XXXX ). XXXX XXXX payed Firstmark {$210000.00} on XX/XX/XXXX. Firstmark applied {$100000.00} of this to the XXXX XXXX Loan to close it out. They reasonably elected to apply the balance of {$110000.00} to the commonbond loan on XX/XX/XXXX, closing it out and leaving a credit of about {$6000.00}. I contacted XXXXFirstmark a few times and was assured that XXXX XXXX would be receiving the credit of {$6000.00} within a week or 2. 

I received a Loan paid in full letter from FirstmarkXXXX on XX/XX/XXXX. To my dismay, on XX/XX/XXXX, I checked my account and found that I am noted to be past due. Firstmark reversed the {$110000.00} payment. I called them on XX/XX/XXXX. Initially, I was told that the check bounced, or that I had stopped payment or something. After numerous calls and emails a few days per week, I am told that they are investigating it. They refuse to take me out of past due status in the meantime. They haven't refunded me or XXXX XXXX. They refuse to escalate me to supervisors in customer service and every time I call, they tell me they are putting in a request for a review, and I will hear from them in 1-2 business days. Emails note to expect a reply within 2-3 business days. They have not reached out to me at any point despite numerous promises of a resolution being a couple days away for the past 2+ weeks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 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

Hello my name is XXXX XXXX XXXX and I hope all is well with the person whom is reading this. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law XXXX5 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX In the amount of {$310.00}, Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately