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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

While checking my Experian credit report I noticed in inquiry that I didn't authorize that was made fraudulently causing my XXXX XXXX to drop
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and the information listed below on my credit report is a direct result of that XXXX In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX ON BEHALF OF : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX ACCOUNT : XXXX XXXX # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.

Thank you for your prompt attention to this matter.
Product: Debt collection

Hello, I have been disputing a collection from MRS BPO , LLC that was placed on my credit file to all three bureaus that is incorrect! I did a dispute with XXXX and the collection remains, I did a dispute with XXXX and the collection was removed and then placed back onto my credit file. 

I contacted MRS BPO , LLC to ask them why have they placed a collection on my credit file and was told that if I wanted to dispute the collection, that I had to pay them to do a dispute. I've never heard of such a thing and refuse to give a company money to resolve something they did unlawfully. 

When I disputed the collection with the credit bureaus I submitted proof, evidence that the account was paid with the original creditor before the collection hit my credit report. I am submitting those same documents of proof.
Product: Vehicle loan or lease

I am unable to make payments within 5 days of each other. I have to make multiple payments due to the restrictions that are placed on my checking account. I am unable to make any additional payments without having to contact them by phone. This also means, I can not change ANY of my contact information without calling. 

Also, I have attempted on several occasions today XX/XX/XXXX to chat with a rep and it keeps being closed without an explanation. I called the only number XXXX and spoke with " tech support '' he informed me that it was my connection, however I tried on a different device and it was the same thing. 

XX/XX/XXXX statements shows {$140.00} in late fees, then XXXX says {$160.00}, then {$170.00} in XXXX. No one has been able to explain the additional {$10.00} and it is not listed on any statement.
Product: Vehicle loan or lease

The company is exeter financial they are charging 24 % rate interest they just allowed for pay the monthly some like 15 days the down payment I did was {$5000.00} they increase the car price {$4000.00} I can't refinance because is higher that the index price I am actually can't pay that much interest my credit score was over 630 the dealer reduce points calling many companies in the first conversation with exeter phone people they offer refinance with a company they knew " XXXX '' was the refinance company name they have confabulation with the sales girl I guess because she promote it to real with no option also she took longer as days to give a copy of the contract
Product: Mortgage

I opened my home loan in  XX/XX/XXXX , and it has been sold twice since then. The most recent owner of my home lone is DiTech Financial. Since Ditech took over my loan, they have LOST my payments TWICE and had to go deep into their system to retrieve my money.
NOW they have a new scam - they have diverted a portion of my payment to an " escrow '' account. I have NEVER made escrow payments through Ditech. I manage my property tax and insurance ON MY OWN and therefore have NEVER needed an escrow account on my mortgage. This is a NEW SCAM orchestrated by Ditech to steal money from me each month, hoping that I would not notice.
The illegal charge was made on my most recent payment on  XX/XX/XXXX , with an amount of {$100.00} being funneled into their backchannel " escrow '' account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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: Checking or savings account

Me and my husband deposited {$1600.00} cash to Wells Fargo ATM ( XXXX XXXX XXXX XXXX, Wisconsin location ) XXXX on XX/XX/XXXX XXXX. 
After put all 30 bills ( {$100.00}, {$50.00}, {$20.00} ) screen said error occurred and gave us {$0.00} receipt, and it said no action needed. 
But I claimed next morning because I didn't get that money I got {$0.00} only. 
After 1month later Wells Fargo deposited to my business account temporary deposit {$1500.00}, but they sent me letter another 1month later couldn't find {$1500.00} but found {$60.00} only and they took {$1500.00} from my account. 
I claimed two times but the final letter said Wells Fargo bank couldn't find any extra money and closed case. 
I talked to one of research associate and she said there was no extra money and no error and any malfunction on ATM at that time. I asked her I want you to prove that, but she said case closed. 
But when i talked to ATM claim department for my first claim he said that ATM was jammed at that time. 
She lied. 
That money for my business account. 
( customer 's phone bills ). 
We did cash deposit once a every week after work to same location ATM about same or more amount. 
I don't know where can I ask help. 
Please help me to find my money. 
Please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the account I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

Account # XXXX has violated my rights According to Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Also 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Student loan

I applied to refinance my student loans with Citizens Bank based on an offer sent in the mail. A component of this offer was a {$500.00} XXXX gift card. Rates are competitive, so this was the aspect that set Citizens apart from others like XXXX. I went to the website listed on the letter and got rates and later finished my application. 

Recently I followed up with Citizens on the status of the {$500.00} XXXX gift card. I was told I do not qualify because my application was routed through a third party they contract with ( XXXX? ). I have never communicated with this third party, nor have I heard of them. All Citizens was willing to tell me was that somehow my application went sent through them. As a customer I had no control over this. I followed the instructions on the offer letter and had no knowledge a third party became involved ( it is still unclear how or why this third party is involved ). 

It appears Citizens promoted an offer and then routed me to a third party in order to avoid honoring the offer. I also, of course, now have concerns about this third party having access to this data without my knowledge or permission. 

Citizens has been unwilling to remediate this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS POSTING FRAUDULENT ACCOUNTS IN MY GOOD NAME STATING THAT XXXX HAS THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 
I HAVE DISPUTED THE INFORMATION WITH XXXX AS WELL. 
SO FAR WITHOUT POSITIVE RESULTS FROM EXPERIAN NOR WITH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Bankruptcy XXXX XXXX was dis charged XX/XX/2014. Docket identifier # XXXX
Product: Credit reporting or other personal consumer reports

I have formally filed several investigation requests with the credit bureaus, yet, unfortunately, they have neglected to comply with my rights and neglected to provide a response. This failure to adhere to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) is a clear violation of the established regulations.
Product: Payday loan, title loan, or personal loan

I have been made aware that someone got a payday loan in my name using my birthdate social security number and I wasnt aware of this still I starting receiving invoices in the mail that it was being paid by someone and then I was aware that I needed to take action and I called the payday loan place and told them this wasnt me and that someone was using my information for this loan and they said that it was being paid but couldnt tell me anything other then that and that they would report this as fraud and they would close the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumbeXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Product: Checking or savings account

Just overdraft, really unsure because of the time that has passed and due to my memory loss
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Mortgage

i took a mortgage out in XXXX. it was a 15 year and had 2 HELOC accounts as well. 
sometime in XXXX my finances changed and i filed for chapter XXXX bankruptcy XX/XX/XXXX. 
the chapter XXXX was dismissed in XXXX and was refiled XX/XX/XXXX. 
the mortgage was paid thru the second chapter XXXX. when chapter XXXX sent me records of the first case it showed the mortgage was paid on that one as well. i did not think it was but they have been paid all along. 
in XX/XX/XXXX the bank sent chapter XXXX a refund of {$1000.00} for over-payment. 
this was on a HELOC payment of {$170.00} per month. 
in XX/XX/XXXX the second HELOC payment of {$130.00} per month was shown as paid in full/stop payment in a letter from First Tennessee Bank to the chapter XXXX office. 
the chapter XXXX was discharged in XX/XX/XXXX and i was directed to pay the bank directly. 
XXXX i sent a check for {$480.00} to the First Tennessee as instructed by the chapter XXXX office. 
aware that this was approaching i contacted the bank through C/S and at the branch to find out how much was remaining on the payments starting in XX/XX/XXXX i spoke with about 15 different people and have no clue as to the balance on the mortgage. i emailed XXXX XXXX and they sent me back to customer service. 
it is my opinion this has been paid, but i am sending another check today. 
after all that has happened i think anyone would want to know what they owe.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my concerns remain unresolved. This ongoing inaccuracy is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$220.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Canceled by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX are inconsistent with my payment history. Records from other bureaus and my own financial documentation confirm that these payments were made on time or do not align with the reported delinquency. 
Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. 
Additionally, creditors must provide periodic statements at least 21 days before payment is due, as per 15 U.S. Code 1666b. 
TILA Violations : The inaccurate reporting of late payments undermines the Truth in Lending Acts mandate for accurate disclosures. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint to relevant regulatory agencies, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 
Thank you for addressing this matter urgently. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 ) XX/XX/2021 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021
Product: Credit card or prepaid card

I applied for the card and was given a {$4000.00} credit limit. I have an excellent payment history with them and my credit rating has been consistent. They lowered my credit limit to {$2000.00} only 60 days later?, without offering a valid reason. They also promised me XXXX XXXX XXXX miles and they never gave them to me. I called them several times and spoke to management, they refuse to increase my line back to {$4000.00}. They offered the credit limit and the miles just to lure me to open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian to remove two debt collections off my credit report. I have also contacted the collection companies myself to verify the debt. I have not heard back from the debt collectors, and Experian has failed to properly verify my disputes. I have sent letters to the credit bureau to verify and validate these debts but the keep saying they're accurate or they will not re investigate because they have already investigated once before.
Product: Debt collection

I was contacted by a debt collector, XXXX XXXX who is representing Check and Go Services for a debt Im accused of having. Check and Go keeps sending multiple debt collectors about this debt Im not aware of and never sends documentation That I always request. Instead different debt collectors repeat my personal information over the phone and threaten to send the Sheriff to my house and job. After yelling they angrily hang up when I ask them to send documents that show this debt is mine. They never send documents or a bill. The most recent call was received Monday, XX/XX/2020 at XXXX XXXX  ( EST ) from XXXX saying they are XXXX XXXX who just received my file from Check and Go. Because of them having my personal information, I constantly check my credit report and sign up for credit monitoring services. I have been a victim of identity theft in the past twice.