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

I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.
Product: Student loan

Hi, I called EDFinancial on XX/XX/XXXX to get a loan refund on payments made on XX/XX/XXXX for the amount of {$500.00}. The representative was not able to give any confirmation or date on when I should expect my refund. All I was informed is that they have submitted my request for a refund. The amount has not been accurately reflected on my account. A lot of other people are having the same problem and they recommended me to submit a complaint here.
Product: Debt collection

An account was created and given to Southwest Recovery Services by a XXXX XXXX XXXX. I have no knowledge who XXXX XXXX XXXX is or why an account would be created that was never paid for. It looks like it was created in XXXX XXXX and was never paid? The first I hear of it was when the collection agency placed it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect balance on my home mortgage at XXXX XXXX was reported to Equifax and my credit score decreased by XXXX points on XX/XX/2020. I contacted XXXX and they corrected the error. Equifax received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$0.00} pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( 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. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card or prepaid card

I recently relocated. I updated XXXX XXXX  card services with my new address. My phone number remained unchanged. I received a balance transfer offer from XXXX so I decided to take advantage of their 12 month no interest offer. I called and provided XXXX with the balance transfer information. It was accepted, processed and I have already made payments on the transfer. One week later, I attempted to use my XXXX card and it was declined. When inquired as to why, I was informed the representative that initiated the balance transfer reported there was suspicious activity during our initial phone call. When I inquired as to why Comenity did not contact me with their suspicions, they stated the transfer was completed at XXXX and they will not contact customers prior to XXXX. I asked why someone did not contact me at any point after XXXX on any day, the agent, XXXX, kept repeating that they do not call before XXXX. When I pressed the issue again, XXXX, become belligerent and demeaning and I felt very dismissive because I am a woman and a senior citizen. He ended my call by pretending we had a poor connection. I was extremely upset and felt XXXX took pleasure in my frustration, I called back later, spoke with a different representative named XXXX who attempted to remedy the situation by allowing me to input my personal information on their secure website to unfreeze my card. XXXX mentioned they allow customers to input their information on their site routinely in this manner. XXXX interceded and did not allow me to do this. XXXX refuses to unfreeze my card until I provide them photocopies of my drivers license, social security card and a utility bill in my name. I am uncomfortable sending this information via mail but XXXX informed XXXX that was the only means that he would accept. I sincerely believe XXXX is a XXXX agist and revels in causing female senior citizens distress. This would have been resolved months ago had XXXX just contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and noticed a hard hit inquiry made by CITI on XX/XX/2019 that I don't recall authorizing. I am a victim of identity theft and regularly monitor my credit reports. I called CITI on several occasions with the attempt in resolving this matter informally and unfortunately i haven't had any success. My most recent call occurred today and like the previous calls the hard hit inquiry wasn't confirmed that I authorized it and that it was made with a permissible purpose. Like my previous phone contact with CITI representative this one was unprofessional and when I was asked to speak to a Supervisor they simply disconnected the phone call.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : XXXX XXXX XXXXXXXX, Account number XXXX XXXX : XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report provided by Experian and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.
Product: Credit card or prepaid card

I placed two orders with XXXX in XX/XX/2020 and opened their store card with Comenity bank to purchase the clothing ( Order No. XXXX and XXXX ). 

The packages were " returned to sender '' for incomplete shipping labels, I never received either packages, or a store card - so I can not provide an account number for the store card. 

I was being passed around between comenity and XXXX  XXXX, seeking a refund for the clothes that I did not receive. 

I requested that the XXXX  look into this and as a result comenity informed me that they would close the account as I have requested. The XXXX  have provided me with your information as I continue to receive bills in the mail, with additional late fees added, I receive texts and calls - even at XXXX XXXX on Sunday  mornings! 

I should not be charged for goods that I am not in receipt of - what am I paying for?! Nor should I pay late fees on these missing items!
Product: Credit card or prepaid card

After I mentioned that I was suffering from a XXXX XXXXXXXX and was going to have to leave my job and start my own business, the company immediately after blocked me from using my card and decreased my credit limit by {$1700.00} all in the same week. This happened the same week I made a payment of nearly {$3000.00}. The moment after I disclosed my XXXX XXXXXXXX I began to experience retaliation, even after paying almost half of what I owed on the card. I called in today and they said I need to pay over {$900.00} more in addition to the almost {$3000.00} I paid this week, so they can give me my credit limit back. And the credit limit was {$5700.00}. Meaning, they want me to pay over {$4500.00} out of {$5700.00} so I can keep my credit limit of {$5700.00} after I disclosed that I am suffering from a XXXX XXXXXXXX. This is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Attorney, XXXX XXXX acting on my behalf wrote to the three credit reporting agencies to inform them that my credit report was inaccurate in that it stated that six credit accounts which were listed as being discharged in a Chapter XXXX bankruptcy were not in fact discharged as the bankruptcy was DISMISSED, not discharged and the accounts should not have been listed as discharged. The credit reporting agencies " investigated '' and continue to list the Dismissed bankruptcy case as discharging the six accounts. 
XXXX XXXX, a Virginia attorney is assisting me with this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Debt collection

Out of know where I get this account on my credit report that I fix last year with XXXX. They trying to collect money from me and finding out they dont have a license to collect in Pennsylvania . I want them to take the account out of my credit report. The collection company name is Credence Resource Management their address is XXXX XXXX XXXX, XXXX XXXX, XXXX TX. XXXX phone number XXXX
Product: Credit card or prepaid card

My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " Comenity Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I contacted XXXX XXXX of XXXX to attain XXXX XXXX quotes for me. While going thru my auto history he informed of a claim that was showing up on my record for XX/XX/2022 that I had no recollection of. He explained and sent me the screen shot of the information from Lexis Nexis. I then contacted my insurance company to see if they we're guilty of putting this fraudulent incident on this report XXXX was alerting me to and they said their system showed nothing and I got a written from them saying such. I called Lexis Nexis and explained the situation to them and asked them to provide me with the information that they have on file for XX/XX/2022 and these people are trained to either not listen, or not help. He said he could send me a copy of my report. I received a letter from LexisNexis with information on how I could view my report online however when I tried to access it the web page said the PIN could not be authenticated. Someone is causing me additional time and money that I don't have because these large companies can just post false information with no repercussions. And when the victims they are spreading disinformation about contact them to get the information they share with others about YOU they won't provide it and will go out of their way to be useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a stop payment placed on a joint checking account with my wife and I. She paid off a credit card from XXXX XXXX. They continued to draft auto payments. She was told by XXXX XXXX  to place a stop payment for the amount and date ; the payments would be stopped. My wife called Arvest Bank on XXXX and spoke to the banker there. She was informed that ONLY that amount and her account would be impacted by the stop payment. 3 months later, we received a letter from XXXX saying there was a stop payment for all debits on XXXX and that my personal credit card account was 3 months behind on payments. I called XXXX and immediately made the full payment. My wife and I reached out to Arvest to discuss the error. After speaking with the manager, she explained she would review the recorded conversation. I was excited, because I knew it would be in my favor. After further investigation, the call was not recorded. I was asked to wait for my credit score to come back up and they were sorry about the inconvenience. Because, they did not hear the conversation the manager said they would not be able to do late payments dispute. I then asked her to provide my signature or my wife 's signature for the stop payment, with the disclosure and she was not able to. I explained that my wife and I were given incorrect information from their banker and she apologized and that was it. I also expressed that the XXXX credit card account was my individual account and my wife did not have authority to stop payments on my personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX {$720.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$250.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$6700.00} Open Date XX/XX/XXXX XXXX XXXX {$920.00} Open Date XX/XX/XXXX XXXXXXXX XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX {$240.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Do to the data breach my information was misused I got a letter from a credit bureau of some trying to apply for a job with my information and different amounts on my credit.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX  ( Original Creditor : XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX Re : Account Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX. 

I am writing regarding an auto loan debt you have contacted me about. I am disputing this debt and requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest or fees.

3. An itemized statement detailing the medical services provided, the dates of service, and any payments made.

4. Copies of any documents that substantiate the debt and prove that I am legally obligated to pay it 5. Evidence that you are licensed to collect debts in my state.

Additionally, please cease all collection activities and communications until this debt has been validated. I also request that you do not report this debt to any credit reporting agencies until it has been verified If you are unable to provide the requested information, please notify me in writing and cease any further collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX