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

Subject : Request for Method of Verification Under FCRA Dear XXXX, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( XXXX ) : Disputed Item ( XXXX ) : XXXX. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : for Inaccuracies in my report which I stated in my previous dispute Under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section XXXX ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : XXXX. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, I have attached my Driver 's license and my tax form that state my social Security Number along with your letter you sent to me with my mailing prove of address
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : XXXX, TRANSUNION, XXXX DISPUTES XXXX XXXX. XXXX > {$1200.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3800.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$3700.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX {$180.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX {$13000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. THE BANK XXXX XXXX XXXX {$1200.00} * Date Opened : XX/XX/XXXX HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX * Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX * Date Opened : XX/XX/XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi name is XXXX XXXX and I have been disputing with all three credit bureaus in regards to a Mark that is on my credit report that I find unfair reason being because I was not able to qualify for the company and the first place and I have a paper that says I was not able to even be approved for credit with the company and I have tried talking to the company as well as the associated company that's had sold me the device for the account that I'm speaking of and they are no longer even business the store had closed so I can not get a copy of the receipt I have a current copy from before but the ink has faded I don't know if there's any way to recover the ink from the receipt but I do have it and I do have the paper that states I do not qualify for credit with that company and I have show them to all of the credit bureaus and that account is still on my credit report and I don't understand why it's still on there when I didn't qualify in the first place as I said so I came to you too seek further help in regards to removing this from my credit report the company is called Diversified Consultants they are a collection agency and which XXXX has since my account that I had told you all that I don't qualify for to them but if you have any questions you can call me at XXXX XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Bank of America manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know BOA paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called for 3 months on getting these hard inquiries removed for my credit report on XXXX/XXXX XXXX/ synbc/syn/pay pal : They keep stating that they have not received anything from ( Paypal /Sync Paypal ), or SYNBC states they have sent an Electronic Deletion request to XXXX/ or they do not see any accounts with my name. It is wrong to keep giving the run around on hard working American Citizens that work for a good life. Please correct this and take it off my report. XXXX and Sync/Syncb need to have some type of responsibility to their short comings on customers credit/ lively hood. 

I spoke with ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and ... 

XXXX ID # XXXX today XX/XX/XXXX and she said she is sending a letter or electronic letter of deletion to XXXX. 

Have XXXX/XXXX XXXX/ synbc/sync/pay pal Send me a letter of Deletion and Delete the following Fraudulent Hard Inquiries : SYNCB ( syncb XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX PayPal Via SyncPayPal ( SYNCB/PayPal ) PO box XXXX XXXX MD XXXX XXXX ( XXXX ) XXXX Date : Individual XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello. Please know that I take my credit seriously, and I'm deeply concerned about the errors I saw on my credit report. These mistakes are causing me stress and it's also impacting my ability to secure new credit. Ive worked hard to build my credit, and its frustrating to see it negatively affected by inaccuracies that arent my fault. There are even mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair, and I need it corrected immediately to prevent further damage. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.
Product: Vehicle loan or lease

Ally has a new application to pay my lease. However when I try to get the XXXX text I never get the message. I spent time twice now trying to resolve this. I have received the opt in text many times but never get the 6 digit code text. I have tried to pay over the phone but ally wants to charge a fee, today at XXXX XXXX  XXXX I was told no one was available to assist me further. How can i pay my bill if I cant get into the new app. The old app worked fine.
Product: Student loan

Naviant has made it really difficult for me to be able to be able to provide accurate dates of when all of this has transpired so I am going to do my best. Over the last few years I have been making overpayments on my student loans. I have XXXX separate loans that are with Naviant that I made XXXX lump sum payment to them monthly to satisfy. When I was making my overpayments I was specifically selecting to not defer my existing payments so I continued to pay my full amount plus whatever extra I had. Additionally I would specify which loan I wanted the extra money to be allocated to. The first time they double charged me I let it go, it wasnt much money and the customer service agents would not listen to me about my overpayments and how I made sure to select all options to continue to be billed my normal amount but they said it was a system glitch and more or less they couldnt do anything about it. The second time this happened they tried to double charge me for the entire amount of my payment. Normally during this time I would pay Naviant around XXXX dollars, so when they wanted another XXXX from me in the same billing cycle I just simply couldnt let that go, I didnt have the money. I had to call and email and pretty much cry and lose my mind how I wouldnt afford to pay them twice before anyone resolved the glitch that happened in their system again. I was then chastised for not only making over payments, but for paying my bill when it became available on their site to pay. They advised that if I did not wait a few days and tried to pay too quickly they couldnt guarantee the system would glitch out again and essentially double charge me again and they cautioned that this wasnt something they would be able to fix nessacsrily every time. In light of recent economic impact on my loans and them going up again I am so afraid that they are going to put me in that position again for even more money. Please help. Attached is one of the examples of an overpayment that I was unsuccessful in getting them to understand was not a correct charge. All additional messages on the matter are also not available in my inbox so I find it suspicious they make you communicate with them via their mailbox but dont give you a way to see those past conversations..
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding a fraudulent XXXX XXXXXXXX XXXX credit card account that was opened under my name on XX/XX/year>. Despite repeated attempts to rectify this situation, I have encountered numerous obstacles and have yet to receive satisfactory resolution. 

The fraudulent credit card account in question was opened without my consent, and subsequent to its unauthorized opening, it was never closed properly and remains charged off with a balance of {$66.00}. This unauthorized activity has had a profoundly negative impact on my credit score, creating substantial financial and emotional distress. 

Despite my diligent efforts to dispute the validity of this account, it remains unresolved, casting a shadow over my financial reputation. My attempts to seek assistance from XXXX  XXXX XXXX have been met with frustration, as they claim to be unable to locate the account or provide any meaningful assistance. 

Furthermore, my interactions with the credit bureaus have proven equally unfruitful, as they merely redirect me back to XXXX  XXXX XXXX without offering any tangible assistance or guidance. This situation has caused me undue stress and financial hardship, as I continue to suffer the repercussions of a fraudulent account that I did not authorize nor benefit from. 

As a consumer who has diligently sought to address this issue through appropriate channels, I implore the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the swift removal of this fraudulent account from my credit report. 

I am hopeful that with your intervention, this matter can be resolved expeditiously, allowing me to regain control of my financial standing and restore my creditworthiness. I appreciate your attention to this urgent matter and look forward to a prompt and favorable resolution. 

Thank you for your time and consideration.
Product: Credit card or prepaid card

I have XXXX XXXX, XXXX XXXX and a XXXX XXXX XXXX credit card account that are all managed by Comenity Capital Bank. ( The first 2 have  balances, that I'm trying to pay off. ) Like many consumers, I pay my bills online. However, Comenity Bank does not allow auto pay on a recurring basis. If this feature were incorporated, I would not miss any monthly payments and deal with the sequela of late fees and a ding to my credit score. It's in the bank 's interest to NOT add this consumer friendly feature. 

I had a Virgin America Visa credit card that is managed by Comenity Bank. The account has been closed, since Virgin was sold. Comenity allows recurring auto payment to this account, so I know there must be a coder out there that can add this. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB complaint to you today to request to delete the fraudulent accounts and information that I foudn not belonging to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of the accounts and information that I need you to delete from my Crediet File : 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 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 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 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 In accordance with the Fair Credit Reporting Act section 605, please remove the disputed accounts and information completely from my Credit File.
Product: Checking or savings account

I have resolved the problem paid the account in full is the reporting on my credit as negative 's please update my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . Transunion, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Credit card

I have a XXXX XXXX Credit Card thru Citibank. When I logged into my account to pay my XXXX statement, I noticed charges for {$1000.00} and {$560.00} that I did not recognize. I contacted citibank customer service and disputed these charges. I also asked for them not to send me a new card as this was the second time I had issues with unrecognized charges. Halfway thru XXXX I got an email about having a balance on a new XXXX XXXX XXXX. I hadn't even received or activated a new card yet. I checked my account an noticed XXXX charges for {$660.00} and {$110.00}. I called and disputed these charges and again asked them not to send me a new card. Today, XX/XX/2024, I received a letter to my account stating that my dispute was declined, and they have also issued me a new card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but Experian in collaboration with XXXX XXXX XXXX XXXX are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following personal information, address and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again. Here are the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX