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

Subject : Request for Method of Verification & Further Investigation Reference # XXXX To Whom It May Concern, I am writing in response to your recent investigation regarding the bankruptcy entry on my Equifax credit report under reference number XXXX. Your response states that the bankruptcy was verified as accurate, but I am formally requesting additional information regarding the method of verification used in this process. 



Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request the following : XXXX. The name and contact information of the entity that verified this bankruptcy. 

XXXX. A detailed explanation of the investigation process, including how and from whom this information was obtained. 

XXXX. Copies of any supporting documentation used to verify this bankruptcy. 



If you can not provide this information or if the verification process was not conducted in full compliance with the FCRA, I demand that this inaccurate bankruptcy entry be immediately removed from my credit report. 



Additionally, if this bankruptcy information was verified through the court system, I would like to point out that courts do not report bankruptcies to credit bureaus. If the verification was obtained through a third-party source, I request proof that the source is reliable and complies with FCRA accuracy standards. 



Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals office. I am prepared to take further action, including legal remedies, to ensure my credit report is accurate. 



Please provide a written response with the requested information within XXXX days, or immediately remove this incorrect bankruptcy entry. 



Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX  I was sent a refund for my son through bank mobile, we have been trying to contact customer service support to verify the funds and they have not answered the phone so that my son can get his refund check cashed and verified through them also it's only 3 was to contact them and they have not answered no methods of contact
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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, credit repair services, or other personal consumer reports

Several inquiries on my consumer report without my consent/ authorization. Credit bureau claiming to not have received my previous Police Report nor my FTC Identity theft report.
Product: Debt collection

Portfolio Recovery has blown up my phone with repeated calls, several times a day trying to collect on a loan thats long out of statute by over 10 years. Ive repeatedly told them to stop calling me. Theyve called XXXX times in the past XXXX weeks. I have the record on my phone log. When I block the number, they use a different one.
Product: Debt collection

In XXXX of 2022, I received an alert on my credit report for a company called Southern Management Systems for an apartment complex in Florida called XXXX XXXX XXXX. I have never lived nor applied for an apartment complex in Florida, and I dont know why it is showing as a collection on my credit. I reported it to the bureaus, and they say I did it. However no one has shown proof that I physically went there in person to apply for these apartments. I have a police report out of my current state of Alabama as I am already dealing with identity theft, but this fraudulent report needs to be taken off by this XXXX  company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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

Pursuant Fair Credit Report Act 15 USC 1681 A-N Exclusions of Contract and Civil Liability for Willful Noncompliance. I did not authorize this soft inquiry. I did not receive an extension of credit or offer from the company. Please remove immediately or your company will need to resolve this issue in civil court.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : My only request is that you delete that bankruptcy from my report for the following reasons : According to 15 USC 1681 ( a ) ( 4 ), 15 USC 1692 ( a ), and 15 USC 1681 ( b ) ( 2 ) You have used an abused practice to violate my ( the consumer ) right to privacy by reporting to an agency ( ies ) or third party, a public record which you were not given permission purpose to report or furnish and that report was not furnished due to a response to the order of a court, written instructions from me ( the consumer to whom it relates ) and/or any other reason within 15 USC 1681 ( b ) ( 2 ). Neither have you provided an investigative consumer report that proves you have not used public information to report or furnish my ( the consumer ) information to other reporting agencies or third parties. Lastly, you furnished that report that was not used or helpful for obtaining credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under 15 USC 1681 ( b ) This letter is my final communication in regarding the unlawful entry of a bankruptcy through XXXX XXXX XXXX ARKANSAS At his time take action and delete your unlawful entry ( XXXX ) from my ( the consumer ) report. Failure to delete satisfactorily within XXXX  days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Right to privacy XXXX. ) Permission Purpose XXXX. ) Investigative Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AR XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number ... ... ..... 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Checking or savings account

I've had several items with Wells Fargo since XXXX I left them because of all the fees
Product: Debt collection

This debt was for a hotel stay from XXXX/XXXX/XX/XX/XXXX for {$56.00}. I had XXXX separate reservations that were made for XXXX XXXX XXXX in XXXX XXXX, LA for XXXX. This stay included a free night and XXXX paid nights. I stayed in the same room during the entire length of my stay. Each day, I had to check out and check in per hotel policy, and my credit card was swiped XXXX consecutive days in a row. My credit card was charged for the XXXX night, XXXX for {$68.00}, but was not charged for XXXX. I even checked out at the front desk on XXXX/XXXX/XX/XX/XXXX and received copies of my hotel receipts. At no time was I notified that there was a balance due, that there was a problem with my card, or that my card was not properly swiped. The hotel even stated that I walked out without settling my balance! I think that after my card was swiped XXXX days in a row at the front desk, and credit card information was provided at the time the hotel was booked, I clearly did not attempt to walk out without paying for my stay. I followed XXXX XXXX XXXX 's policy, and they failed to properly bill my credit card. I was penalized for their mistake. 

On XXXX/XXXX/XX/XX/XXXX there was a collection on my credit report for {$57.00}. I had not been notified previously about this issue by phone ( my number is listed for the reservation ), by email, or by regular mail. I did n't realize this balance was owed until it appeared on my credit report! I made numerous phone calls in an attempt to resolve this issue, but feel that it should not have been posted as a collection on my credit report without fair notice. No one contacted me to attempt to resolve this issue before it was sent to collections, and the collection agency failed to notify me in writing or via phone regarding the debt prior to posting it as a collection. 

When I checked my credit report again around XXXX/XXXX/XX/XX/XXXX, the outstanding collection balance was showing {$350.00}! An extra {$300.00} had been added to the original amount claimed by the creditor. XXXX XXXX ( both XXXX XXXX LA and XXXX XXXX NV ), nor Allied Collections in XXXX XXXX, NV could explain why an additional amount was added. I did note that this appeared to be a violation of the FCRA for XXXX reasons. 

As of this date, the balance of {$56.00} has been paid, but has not been removed from my credit report. A balance of {$350.00} is still showing as a collection on my credit. Had I been notified of this issue up front, this could have easily been resolved in the beginning instead of being sent to collections and posted to my credit 4 months later. This is the XXXX negative item that has been posted to my credit report in more than 10 years. To have a hotel stay showing as a collection AFTER they received my credit card information when the reservation was made and again once I arrived at the hotel, is totally inexcusable. The posting of this inaccurate information is not only a violation, but is unfair to me because I was not give an opportunity to correct a mistake made by the hotel and/or their staff, and this negative mark has damaged my excellent credit history.
Product: Checking or savings account

I gamble and Im very good at it. So I made it a career for a year or XXXX. I won my earning from gambling and I guess it was too much money for the accounts it was closed with no notice.
Product: Credit card

I have negative information on my credit report. The accounts have been paid/closed. I was unable to pay because of illnessXXXX. I want information on my report to reflect the reason for the closure of the accounts, and I have a valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

BETWEEN XX/XX/2018-CURRENT I HAVE REACHED OUT TO XXXX, XXXX   AND EXPERIAN TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.
Product: Mortgage

Currently disputing information with all XXXX credit agencies, dispute is with lender and information they are reporting to the credit agencies. 

XXXX XXXX XXXX XXXX XXXX, HI XXXXLast XXXX SS # XXXX ( XXXX ) XXXXXXXXDOB : XXXX/XXXX/XXXXI would like to formally dispute the following on my credit report : XXXX XXXX Ending : XXXXOpened : XXXX/XXXX/XXXXType : Mortgage LoanLoan # XXXXProperty Address : XXXX XXXX XXXX, XXXX, NV XXXXMailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXXItems in dispute:1. Balance {$180000.00} : This is not correct. The loan balance has been paid in full effective XXXX/XXXX/XXXX. Please refer to the documents " Payoff Statement '' and " Wire Verification '' which show the amount the lender required to settle the balance on the account in the amount of {$190000.00} and the amount paid with by a wire transfer in the amount of {$190000.00} from XXXX XXXX XXXX. Please contact XXXX XXXX with XXXX XXXX XXXX for additional information regarding the transfer or payoff statement. ( XXXX ) XXXX or ( XXXX ) XXXX. 
2. Past Due Amount {$13000.00} : As mentioned above, the loan balance has been paid in full. 
3. Delinquent Payments : This information is not correct. Per an email sent to me on XXXX/XXXX/XXXX by XXXX XXXX, a Loss Mitigation Processor with Dovenmuehle Mortgage, a hold was supposed to be placed on all credit reporting activity until a decision was made regarding my request for a short sale and loan modification. I never received written or verbal notification indicating whether or not a decision was made regarding the request for a short sale. Delinquent payments were not supposed to be reported to the credit bureaus until a decision was made to accept or decline the short sale offer, after which I would then be given an opportunity to pay any delinquent payments before reporting to the credit bureaus. Since full payment of the outstanding loan balance was received prior to the lender making a decision whether or not to accept the short sale, no delinquent payments should have been reported to the credit bureaus. Please refer to the enclosed emails. 
4. Foreclosure initiated/started : This is not correct. A formal notice of default was never filed with the XXXX XXXX XXXX Office in the State of Nevada which is required to initiate any foreclosure proceedings within the State of Nevada. Please refer to the document titled " XXXX XXXX XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 inquiries that are reporting on my Credit Reports : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Credit card or prepaid card

On or about XX/XX/2018 a dispute was placed with the credit bureau because Chasebank claimed I was over the balance ( XXXX ) being {$44.00} over. This caused my FICO score to drop by 2 percent. I reviewed my statement to find that XXXX had charged me in error {$14.00} x3. I called XXXX and found the agent made false and misleading statements to combine a regular email to my student email account which, XXXX fixed and credited to Chase but, was unable to credit my FICO score advising to speak with Chase to make correction. I called Chase they advised unable to correct issue but they did not know how to do this. I also found fraud charges XXXX XXXX for {$90.00}, {$36.00}, {$38.00}, {$15.00}, {$60.00}. I was advised on the reporting date that I would take 7 to 10 days from the date of XX/XX/2018 for the provisional credit to post to my account. However, the credit posted on XX/XX/2018 for {$240.00} -The balance reflected the available amount of {$240.00}. I made purchase from the date of XXXX to XX/XX/XXXX of total of {$300.00}. I made a payment on XXXX and XX/XX/XXXX each for {$100.00} ( equal to {$200.00} ). This would have give me a total credit for XXXX XXXX ( + {$46.00} ),  XXXX ( + {$240.00}. ) My payment ( + {$200.00} ) = $ XXXX {$300.00} leaving a closing balance of {$180.00}. However, XXXX send the payment back to Chase which, Chasebank adjust all the provisional credit of {$240.00} instead of OFFSETTING the amount of {$240.00} XXXX sent to Chasebank the Fraud department called on XX/XX/2018 stating they were going to take the amount back. Now, Chase is showing that I am over $ XXXX.I spoke to XXXX-Manager- she validated the error but, refused to correct the fraud departments adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's almost 60 days today since I've sent disputes last XXXX regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of XXXX  data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.
Product: Credit reporting or other personal consumer reports

I was looking at my report an notice there were some things was not correct. I sent a letter to EXPERIAN but it has been more than 35 days EXPERIAN still haven't responded to my letter.That is a violation of XXXX XXXX ( a ) Under the XXXX XXXX ( a ) ( XXXX ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at 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. XXXXXXXX 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 XXXXXXXX delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Product: Student loan

In XX/XX/XXXX I made all of my loans direct loans in order to participate in the Public Loan Forgiveness Program ( PSLF ). I worked with an employee of XXXX XXXX XXXX to get everything in order to begin the program of making 120 qualifying payments to then be forgiven. I went on the repayment plan I was told I needed. I paid on time for years. On XX/XX/XXXX during my annual review I spoke to an employee who told me I had made 33/120 qualifying payments. On XX/XX/XXXX I faxed over my annual employment certification form and annual documentation of income for repayment recalculation amounts. On XX/XX/XXXX I was informed via phone that I only had 11/120 payments qualified! Since I should have been well over 40 I was shocked. I spoke to many different employees and was told in the end that I wasnt on the correct repayment plan from XX/XX/XXXX to XX/XX/XXXX. Due to their error, I now have only 59 qualifying payments towards PSLF when u should be at 120 soon. They provided incorrect information to their borrower and are doing it to many. If this situation is not remedied and my qualifying payments are not adjusted to reflect the 33/120 that I was given on XX/XX/XXXX I will hire a lawyer to expose what they are doing to make this process practically impossible for all. Thank you for your help in trying to remedy this unfortunate situation.
Product: Debt collection

I tried to make payments to the original company XXXX and then XXXX was put on the account without any email from XXXX or phone calls about the account being late. Jefferson, never sent me any details on this being owned or sold to them. Now XXXX XXXX is telling me they own the account from Jefferson with not proof or notice that this has happened.
Product: Credit card

On XX/XX/XXXX, Chase posted a {$27.00} charge onto my Chase Sapphire Reserve credit card with a transaction date of XX/XX/XXXX, purportedly for " XXXX XXXX Guest Visit. '' Access to XXXX XXXX XXXXounges is a benefit of the Chase Sapphire Reserve product. The benefit is spelled out at https : XXXX In part, the website provides that : " With a Chase Sapphire Reserve credit card, primary cardmembers and authorized users can activate complimentary XXXX XXXX XXXX membership. After that, they can access airport lounges with up to 2 guests for no additional fee. '' I am the primary cardmember, and my spouse is an authorized user. We have XXXX children. Each of us brought a child into a XXXX XXXX lounge. Based on the foregoing, no fees should have applied, since neither me nor my wife brought more than two guests. 

However, when I called Chase to dispute this transaction, I was told that the fee was for a guest exceeding the limit of 2, and that I could not dispute the transaction because it was an internal Chase charge. 

I explained that I brought one guest into the lounge, and that my spouse brought one guest into the lounge. The representative claimed to understand the matter and said that the charge would be reversed. However, three weeks later I received a letter from Chase stating that the charge was imposed for an additional guest beyond the limit of two. It was as though the conversation with the representative never happened.

I called Chase back and explained the situation to six agents. Each indicated that they understood that no fee should have been imposed but said they were powerless to dispute or remove it. 

It is outrageous that a credit card could place a charge and refuse to provide a mechanism to dispute it. At no point did either my spouse or I bring more than two guests into a XXXX XXXX lounge. I brought one guest, and she brought one guest. No fee should be due ; however, due to Chase 's unwillingness to offer us a dispute resolution process, we have no means of disputing this improper charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and saw various incorrectly reporting physical address, name variations and employment. 

I have tried to contact Experian, XXXX and XXXX by phone to challenge and dispute ; however, there are no resources to help. 

Incorrect name variations : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Employers XXXX XXXX  XXXX XXXX XXXX