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

Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, 2024. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information.

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher.

I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately.

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

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

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unauthorized Credit Inquiry Dear Compliance Department, I am writing to request the removal of a credit inquiry made by Capital One Bank that appears on my consumer credit report, dated XX/XX/year>. I did not gain anything from this transaction, nor was there any benefit or value received on my part.

Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), access to a consumer 's credit report must have a permissible purpose, such as written authorization or a legitimate business need. If XXXX XXXX can not provide documented evidence of a permissible purpose, this inquiry must be removed immediately to comply with federal law. 
Additionally, under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for this violation of my consumer rights. However, I want to make it clear that I do not seek the {$1000.00} if you promptly remove this inquiry. If you fail to do so, I will pursue my right to compensation under the law.

Resolution Requested Remove the inquiry from my credit report immediately.

Provide written confirmation that the inquiry has been removed. 
Thank you for your immediate attention to this matter. 

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

Since XX/XX/XXXX my life was frozen.XX/XX/XXXX I was unfrozen.I have been filing all disputes and made all contact with Experian when my credit was hacked.Since then been unable to move forward.All time spent was on my own time between work and this.experian has not been helpful it has only been a battle.3 years of no resolve, no improvements.I have everything from thier site in which they referred me to when my information was hacked.
Product: Credit reporting

XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. The accounts that I'm disputing does not belong to me and I would like them deleted as soon as possible
Product: Credit reporting or other personal consumer reports

As of today XXXX, of XXXX, my accounts and or transactions on my credit reports with XXXX, XXXX, and XXXX are not accurate and most have not been consented to pull hard inquiring and soft inquiring on my credit backing to the dates of XX/XX/year>. KIKOFF Lending LLC is stated to be open on XXXX XXXX with accreditable line limit of {$750.00} us dollars, with an {$55.00} us dollars balance, untrue, needs to be removed. XXXX XXXX XXXX XXXX, who is this company they need to provide consent signatures of contract to this debt of {$720.00} us dollars. XXXX XXXX XXXX has a {$28000.00} that I stated to a be a lease agreement on XXXX XXXX. This account was originally open with another financial agency, leaving to believe the contract was XXXX or nor voided. XXXX XXXX only reported half of the money given and received from this lease contract. I find that this is not consist or accurate the information and document I withhold pertaining to tis contract. Yes, will be reaching out via mail and online portals to clear matter. Due to inaccurate information disclosed on my reports misleading transactions has to lead to denial of applications and credit score to decline. All the reporting of address is wrong inaccurate and misleading to believe those are my residents. Reported cell numbers are in correct. Misspelling of my name is wrong and in correct. Is has led me to believe someone could have used my credit without my knowledge or consent due to denial of banks account openings. If the student loan is closed, there shouldn't be seen and reported to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from XXXX or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI. I have challenged information that is being reported by XXXX XXXX for a vehicle that was stolen. I had insurance and XXXX XXXX has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block 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 XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be deleted in XXXX  days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote them asking them to verify the the account and I was told that the account was verified but I wasn't shown any proof of verification credit reporting act, 15, USC & 1681 ( a ) ( 4 ) states that information is to be verified with in the 30 days time frame and if this info is not verified it has to be removed XXXX funding made no attempt to resolve this matter the account # XXXX {$460.00} do not belong to me I have disputed these accounts with the XXXX XXXX XXXX XXXX XXXX {$90.00} do not belong to me also the accounts are in collections and still show a belance and still show open the dates are also wrong also Acct XXXX XXXX {$190.00} is also a fraudulent account and I asked for verification and was never shown any verification with my signature on it these accounts are stopping me from getting a house these accounts where opened or paid on while I was XXXX and need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit Beauru to do a verification of everything on my report. They did and stated everything was ok, I did a thorough research and found improper inaccuracies on my account. 
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A states the right to privacy 15 U.S.C 1681section 2< it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I signed a document for my mortgage modification with a 3 % interest rate. I am told 1. They needed it back sooner 2. That there was a page that had my signature where it should display the notary. 
There was no set deadline on the paperwork and I and my family was sick so it did take me longer than these things normally take. I asked to get the signature issue corrected and I was advised that I could not abs that I needed to go through loan modification again which mean losing my 3 % interest rate and getting an interest rate of 4.8 %. This mean an almost $ 500 monthly increase in my mortgage. 
I would add I had been paying the rate at 3 % for about 5 or more months. 
I asked for a review and yo escalate this and I was told it is not possible and there was no review process available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Product: Credit card or prepaid card

Chase United Club Visa is $ XXXXyear. We subscribe to it because I travel a lot for work. 
We paid our annual fee in XX/XX/2019 and use the card primarily for airline miles benefits and access to United Clubs. Once the COVID-19 pandemic started and lockdowns were put in place, I contact Chase to request a pro-rated refund of XXXX, i.e.  half of the term paid. 

They cited they have no obligation to return annual fees and will not be doing so. I have sent several messages to them on this, multiple phone calls, and even spoken with several supervisors. 

It's completely inappropriate that they can simply keep my money for the card program/benefits when it's impossible as a customer to realize the services/benefits for which one has signed up with the card. I see no reason why they can not return the pro-rated unused part of the term and then switch my card product to a non-fee card or just close the account altogether. I don't want another credit product, I simply want the {$220.00} back that I paid for a service/benefit that they can not deliver!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent me a closing statement of my account but my account should have been closed due to identity theft from the XXXX breach 3 months ago I been getting flagged as late they sent me a letter closing the account and it still shows as open
Product: Money transfer, virtual currency, or money service

Ok western union money order was stolen nd cash in which wasnt the person my mom pays rent to .. when i made a claim nd did process which im at the last step .. so waiting for my refund. Its still be pending since last year XX/XX/XXXX i recentlly contact them on XX/XX/XXXX and its still pending i noe thats does not take that long they are so unprofesstional ..please can u help me
Product: Credit card or prepaid card

I opened the credit card on XXXX XXXXbut they closed my account at XXXX XXXXthey told me will credit back about annual membership feebut until now they still not credit back yet and charged me late fee and interestmy credit is bad now
Product: Credit card or prepaid card

I have been a Comenity Bank customer for a few years and I hold a store card for XXXX women 's clothing store. Recently on XX/XX/XXXX, I received a letter from Comenity stating that they had decreased my credit limit by {$100.00}. The reason cited was that my credit score has gone down recently. Although I have not had any issues with Comenity Bank itself in my account ... I have been paying off my account steadily over the past year, so I don't understand why Comenity will run a credit check randomly and then decide because of my other credit accounts, which have absolutely nothing to do with my already established store account with Comenity, that my credit will be decreased. I am filing a complaint with the CFPB because I did not receive an advance notice that my credit limit will be decreased and I was not able to pay the amount down in time so that my current balance will be under the credit limit. 

As a result, I fear that Comenity Bank will use that minimal amount that is over the credit limit to then charge me over limit fees and then report my " over usage '' to the credit bureaus to cause a decline in my credit score. 

The same day that I received the notification letter is the same day that my store credit limit was decreased. I feel that this is a very shady business practice and I would hate for this to happen to anyone else.
Product: Debt collection

" If you don't pay your overdue balance immediately, we will have no choice but to report your delinquency to the credit bureaus, which could seriously harm your XXXX XXXX and prevent you from obtaining loans or credit in the future. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$780.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A year ago someone from XXXX XXXX XXXX contacted me regarding a department store debt. The lady on the phone demanded payment over the phone but without providing a mode to verify the debt. I asked her if she could send me a statement in the mail, or if I could log in to an account online, if there was any way I could visually see that they held the debt before submitting a payment. She was very rude and insisted that she could not issue any paperwork to me until I gave her a payment, and there was no way to see the debt online. I told her I was uncomfortable giving a random stranger that called me demanding a payment over the phone my banking information. I made it very clear that I was not refusing to pay, but that I was not going to give my banking information blindly over the phone. At the end of the conversation I was informed that I would be sued. I, again, told her I would be happy to submit payment as soon as I had some way of validating who she was representing and where the payment would be going. I was just served with papers stating I am being sued in small claims court. I feel that this is unjust. I should have been given the proper documents and been able to make the payment without being sued.