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

I asked for verification of how they verified the information on my report and they sent a letter stating that it was verified through the court along with the court address. I received a letter from the court stating that they do not verify any information to any credit agencies. I also have a letter from XXXX stating that it was removed from my XXXX report because they were unable to verify the information. 

In addition, the letter from TransUnion also states that I can submit any new information online. However, when trying to stated that I needed to call, and when I called, they said I had to write a letter or wait for 14 to submit it online. The problem is that by that timeframe is that the investigation will be fully closed. I am attaching all verification.

I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to any credit agencies or to any other third party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting and all Public Record notations stating that it was deleted with an updated report. ( See attached ) I request that they each delete the alleged Public Record and provide me with an updated copy of my consumer file.

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information, investigated the data and reinvestigated it due to my current dispute. The information they provided is inaccurate and I did not receive a description of the procedure that was used to verifiy the information.

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that is included in the credit reports concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX 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 I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my XXXX XXXX.
Product: Checking or savings account

Unable to access direct deposit funds due to tech to tech outage with bank
Product: Credit card

I am a long-standing customer of Capital One, holding both a credit card and a checking account. I recently applied for a third credit card with the company and was approved with a credit limit of {$500.00}. I believe that this credit limit is not reflective of my good standing with Capital One, nor does it account for the consistent direct deposits that are regularly made into my Capital One checking account.

Complaint Details : I have been a Capital One credit card holder for an extended period, and I have also maintained a checking account with Capital One for quite some time.

I have a history of responsible use of my Capital One credit cards, including timely payments and good credit utilization.

Additionally, my Capital One checking account regularly receives direct deposits, demonstrating my stable financial situation.

Despite this, I was granted a {$500.00} credit limit on my most recent credit card application. Given my history of good standing with Capital One, the credit limit seems disproportionate and does not reflect my financial behavior with the company.

I feel that this action by Capital One may constitute a deceptive practice, as it does not align with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Previouse deleted fraud ittem on my credit report Experian report # XXXX XXXX Account Number : XXXX XXXX Account Number:XXXXXXXX XXXX Account Number : XXXX Account Number:XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX/XXXX Account Number : XXXX Account XXXX are fraudulant inquire XXXX XXXX XXXX.Date of Request:XX/XX/XXXX s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to open new checking and savings. Was denied and the referenced the security freeze I have with Experian and that I needed to lift it first. 

First of all, I have an alert, not a freeze. They didn't even understand the basic terminology and the ALERT is there for good reason. I'm not changing that ALERT. Most companies ask security questions from my credit report and go from there. These people were unprofessional and intended on ESCALATING the situation further when I was already clearly upset.
Product: Vehicle loan or lease

I have a loan with HELM ASSOCS. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit freeze and fraud alert from a previous data bread starting 2019. Since checking my report I noticed numerous inquiries from companies I have no relationship with. I have contacted both the companies and credit bureaus to resolve but only given computer generated responses that they are verified with no proof of verification.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with Zelle and my banking institution. There have been discrepancies since I first started using Zelle and there was no investigation done. I was told once the payment was sent, there was no way to get it back, even if it was sent to the wrong person/account. The lack of responsibility from my financial institutions is unacceptable.
Product: Payday loan, title loan, or personal loan

The company refuses to work with me after contacting them to let them know I could not pay for my necessities and asked to work out a payment plan. They have already been paid more than enough for the original loan. I acknowledged the responsibility for the debt and offered to work out a reasonable payment plan, but it was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, Good morning, I hope your doing very well. 

my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them.

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below.

I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 


Report this account as disputed Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI collections is reporting an errenous collection on my credit. I recently checked my credit and noticed this debt reporting. I called immediatley and settled the debt. I was completely unaware about any debts because I never received calls or notices regarding this debt. This violates my 30 day right to dispute this account must be removed from my credit file This has been paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 


In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I paid this account in full back in XXXX, 2015. This is not reflected in my credit report.
Product: Debt collection

Starting XX/XX/XXXX, I have been recieving phone calls from Capital One ( as they stated ) asking for XXXX. I have now four times, advised that this is NOT XXXX phone, they are still constantly calling. They have also called multiple times within an hour. All of which is against CFPB standards. I have been called Three times alone today, Two of the calls I answered and AGAIN stated this is not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Please produce a signature where i contracted with aidvantage. 
If there is a rebuttal to this, please provide a certified, written statement signed wet-ink by a principal or agent under the penalty of perjury of the United States evidencing a valid contract signed by both parties. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. I, XXXX XXXX, as a person believe that information is inaccurate, and until XXXX XXXX dba XXXX can produce 1 ) a certifed statement with a wet-ink signature stating that the IRS form 1099c copy B is not proof of discharge and 2 ) a certified statement with both signatures by both parties XXXX XXXX and XXXX evidencing a valid contract. 

The company states the loans have not been discharged. I request a full transaction report according to GAAP, public and private, giving valid proof of this claim. 

The 1099c document provided is NOT an attempt or claim make PAYMENT, but rather proof from that the debt has been discharged. As documented on the ACCEPTED IRS form, you received this form because a federal government agency or applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed.. There is no mention of me requesting this info to be accepted as a valid form of payment, there can be no valid form of lawful payment made, when in fact the debt has been discharged ( CANCELED OR FORGIVEN ). 

15 U.S. Code 1681b - Permissible purposes of consumer reports : 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. I did not give this authorization, that is a violation of the Fair Credit Reporting Act. Privacy Act of 1974 ( 5 U.S. Code 552a ) record means any item, collection, or grouping of information abou an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains XXXX XXXX dba XXXX, and Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX / XXXX, Transunion, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) XXXX ( XXXX XXXX ) XXXX ) XXXX  ( XXXX. OF XXXX XXXX XXXX This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services , LLC , XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/scrub> 2025 XXXX XXXX XX/XX/year>2025 Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required.

Thank you for your prompt attention to this matter. 

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

ON XX/XX/2020 XXXX  INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE 698 AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS.

ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT XXXX  FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

XXXX  HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

TRANSUNION AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

XXXX  NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime on XXXX, XXXX, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine. After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and XXXX  finally removed the unknown accounts on my report. 
Unfortunately, EQUIFAX has been refuse to remove an account and that is allegedly because XXXX XXXX XXXX, is verifying the alleged debt, by the way, most of the accounts were with the above mentioned collection, so I am now contacting the CFPB because I need this last collection account out of my credit report, it is affecting me a lot.
Product: Student loan

I received a notification on XX/XX/XXXX and its available on my Studentaid dashboard that my remaining XXXX loans are eligible for forgiveness. Originally had XXXX loans.Only XXXX were forgiven in XXXX. My XXXX qualifying payment was in XX/XX/XXXX. The notification states, I should hear from my loan servicer Mohela within XXXX  days of the letter. I have called both Mohela and Studentaid several times since then. Each time with conflicting replies. Mohela states they have no idea and do not see that notification on their end. They point the finger at Student Aid. Student Aid on their part state they already submitted all the necessary details to Mohela. I filed a complaint on XX/XX/XXXX on the Student Aid website. Even though it references it takes XXXX  days for review, I have not received any response. This back and forth is like a slap to the face. I see many comments on XXXX of folks with the same issue. Bounced back and forth.
Product: Checking or savings account

Hi I want to report that I used to have a local bank account in chase but I had to go to XXXX in XXXX and then I came back in XXXX like Im XX/XX/XXXX, And I tried to open a new account and I cant because you and I was able to open a XXXX XXXX account but it closed down due of my date info someone shouldve hacked my account and got my social security number