23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still 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 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX  Balance : $ XXXXLate datesXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts that you have also the one hard inquire you have in your records They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
Product: Debt collection

The Debt was Originally XXXX for XXXX XXXX after leaving their employment they opened services in my name for consumer services without my knowledge or consent, I turned in my equipment after leaving the company as an employee on XXXX 

I received notification sometime in XXXX  from a " SW CRDT SYS '' that I had an outstanding balance of XXXX for services rendered by XXXX XXXX, I explained to them I used to be an employee I Turned in my employee equipment and the company terminated my employee account after leaving. I was unaware of any additional Consumer Account opened under my name. 

SW CRDT SYS failed to remove the debt and tried to continue collecting so on or about XX/XX/XXXX I filed a dispute with XXXX over the accuracy of the debt. As again I never requested services, i never authorized services and after leaving the employment of XXXX I turned in my equipment. I won the dispute on XXXX XXXX XXXX and It was removed from all 3 credit agencies. Sometime in XXXX XXXX XXXX XXXX they added the debt again for this time {$530.00} When I contacted them to explain that this was invalid and that I didn't owe XXXX XXXX anything they said " They being XXXX XXXX on a recorded line with their Executive Support Team '' that due to the dispute, they would try to collect any information and get back to me, once XXXX responds even if they try to uphold the debt it would be removed. This struck me as odd as It would seem against the Fair Debt Recording Act to say something like that. 

Anyway, I have redisputed this debt with the credit agencies and while some have come back and tried to validate the debt now at least 1 is still pending ( XXXX ) investigation. SW CRDT SYS reuploaded the debt under Southwest Credit Systems under a brand new account number and when I asked for supporting documentation on their revised balance they ( XXXX XXXX ) sent me copies of the old amount in which I won the dispute over.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX, I have forwarded correspondence requesting the immediate blocking and deletion of fraudulent accounts. THIS IS MY SECOND NOTICE. I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached the following documents to substantiate my claim : 1.A copy of my FTC Identity Theft Report ( www.identitytheft.gov ). 
2.A copy of my government-issued ID for verification.

3.A utility bill or other proof of address. 
As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX TX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit card or prepaid card

Got a sams club creditcard. My credit score is XXXX. But according to the sams club report my credit score was XXXX. So my interest rates and fees etc for the creditcard is not correct now either. I dont know what to do now
Product: Credit card or prepaid card

XX/XX/2023 Citi-VISA blocked my card on XX/XX/XXXX. They claim there was suspicious activity. I reviewed my account online and verified all of the transactions. I am in XXXX and had posted a valid travel notice with Citi-VISA XXXX I spent over one hour on the phone. The two representatives would not identify which transactions they questioned as suspicious. They claimed they could not verify me me. I provided the code from the travel notice. They said a letter would be sent to my address in the US. But provided no details. They are too quick to claim a transaction is " suspicious ''. 

Blocking the card put a hardship on me since I needed to use the card to get back to the US. There was no real reason to block the card. I had been making regular purchases with the card will in XXXX. They wished to call my phone number of record. That is a US phone number, there is no one home to answer the phone. I gave them my XXXX phone number, but they didn't call that number. 

Blocking the card for a cardholder traveling out of the country results in a terrible inconvenience because credit cards are such an important payment method for travel expenses. I was regularly using the card before they blocked it. There were no suspicious charges. And I filed a valid travel notice. 

I called back again, that representative was able to verify me with the travel code and claimed to have unblocked the card. 

This was a terrible inconvenience and not the first time I've experienced problems with Citi-VISA while out of the USA. They need to place less emphasis on verification by phone, especially for those traveling outside the USA that can't use their USA mobile phone overseas and/or are not at home to answer their home phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle leased thru XXXX XXXX and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being Synergetic Communication. I settled the account with Synergetic and account was paid in full. Synergetic is either not reporting to XXXX XXXX that this account is settled or XXXX XXXX is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.
Product: Credit reporting or other personal consumer reports

According to TransUnion website they report bankruptcies public records on credit reports through XX/XX/XXXX, this information is obtained by third-party vendor XXXX. Bankruptcies public records collected after XX/XX/XXXX ; this information is obtained by third-party vendor XXXX. ( Exhibit A ) On XX/XX/XXXX, I disputed with ( TransUnion ) the validity of these bankruptcies they are reporting on my credit report. ( Exhibit B ). They responded on XX/XX/XXXX, stating the items was still verified. ( Exhibit C ). I went directly to XXXX ( Exhibit D ) and XXXX ( Exhibit XXXX ) to dispute these items and in response to my inquiry XXXX disputed with TransUnion ( Exhibit F ) but could not verify these items, so they deleted it from their database. ( Exhibit G ). XXXX never responded since XX/XX/XXXX. I have also went to the courthouse/pacer in response to my inquiry they DO NOT verify information to any credit reporting agencies. ( Exhibit H-I ). 

I then went back to TransUnion on XXXX XXXX XXXXXX/XX/XXXX, and informed them their process was invalid due to me providing documentation and that I am aware per the FCRA I have to give 30 days to correct a known mistake. ( Exhibit J ) On XX/XX/XXXXXXXX XXXX XXXX TransUnion responded stating the items was still verified and are not required to reinvestigate the same dispute twice ( Exhibit K ) they have once again refused to delete these items and failed to send me documentation or proof of an actual investigation. Furthermore, TransUnion did not properly conduct a full investigation of FCRA in a consumer 's credit file due to the business name and address are incomplete/inaccurate. ( Exhibit L ). 

These items need to be deleted from my credit report if it can not be verified within 30 days.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX Ga XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not respond with my request as of sending proof of validation of proof with documents as of why it belongs to me and original copies of my identification such as id and social security number for contract theyre violating me for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TransUnion, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX  to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs.

According to XXXX   XXXX the issue is with XXXX, XXXX  and TransUnion reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed.

Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX   claim these are changes to the account they did not authorize or initiate. This constitutes fraud.

Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly.

[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.
Product: Debt collection

My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, Security Credit Services, via email and phone. I was referred by them to XXXX XXXX XXXX, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
Product: Debt collection

I requested that Cavalry Portfolio validate the alleged debt. The agency insufficiently met is statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.
Product: Credit card or prepaid card

I previously submitted a complaint relating to a fraudulent $ XXXXcharge posted to my account by 5/3rd as part of their Ready Reserve Overdraft , a service I never enrolled in, nor did I authorize. 5/3rd refused to remove the charge insisting that I had enrolled in the Ready Reserve Program however , they were unable to provide evidence of this and indicated that federal law only required they require documentation for 7 years and that the enrollment must have occurred prior to this. Prior transactions confirm this is a false statement, and 5/3rd 's executive office had reviewed these transactions in an effort to demonstrate that I had in fact enrolled in the program and that it had been in place for quite some time, however, when they reviewed the transactions and found that the past overdrafts did not confirm this they mislead your office and continued to misrepresent that I had enrolled in the program and that they simply didn't have the historical documentation. They do not have the documentation because I never enrolled in the program. 

The new issue relates to an attempt 5/3rd made to transfer the funds without my authorization from checking account to cover their fraudulent charge. I was previously enrolled in autopayment however, I deactivated this after 5/3rd refused to remove their fraudulent charge from my account on approximately XX/XX/XXXX. After deactivating autopayment no autopayment was made in XXXX, however, on XX/XX/XXXX 5/3rd attempted to make an autopayment from my checking account in the amount of {$6200.00}. I had proactively withdrawn most of my funds from these 5/3rd accounts assuming this unethical organization may attempt something like this and thus there weren't sufficient funds to cover the transaction and thus it was eventually reversed. I had closed out the affected 5/3rd credit card on XX/XX/XXXX and remitted payment for the account balance however, 5/3rd has now reversed the payment after the account was closed reposting this to the credit card. 

5/3rd is also attempting to charge me interest on this fraudulent charge. You can not charge interest on a fraudulent charge a customer did not authorize, and if the charge wasn't authorized it wouldn't be subject to the terms of the credit card. 

Again the {$5500.00} is a fraudulent and unauthorized charge 5/3rd has posted to my account which I have attempted to dispute and fully demonstrated to 5/3rd that I never enrolled in the Ready Reserve Overdraft program yet they continue to falsely claim I did. I have advised them that I will not be remitting payment for this fraudulent and unauthorized transaction and that should they falsely report this to the credit bureaus I will be disputing the false claims on these grounds and will be suing them for false reporting and any financial damages/losses I incur in association with this including any increased costs of financing.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXX XXXX XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX, number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud. 

I urge you to rectify this issue immediately by removing these defaults from my XXXX XXXX. 


Sincerely, XXXX XXXX
Product: Mortgage

21st mortgage sent letter not certified stating they will offer is XXXX to move in 10 days from XX/XX/XXXX letter rec on XX/XX/XXXX. Balance owed one payment of XXXX and upcoming payment will be paid in XX/XX/XXXX. First payment of XXXX will be rec on XXXX next payment including late fee will be rec on XX/XX/XXXX, we believe we owe less be used we were told the escrow payment account was overpaid by XXXX and would be applied to the account meaning XX/XX/XXXX payment should be XXXX and XX/XX/XXXX payment is going up to XXXX. There are only two items paid out of escrow insurance which is XXXX a year which we paid up front the first year they paid out of escrow this year. Last year no property tax payment new property tax XXXX they continue to pad the escrow without applying the overage to the account and now are saying we are way behind acct number XXXX
Product: Debt collection

My name is XXXX XXXX and my XXXX cell phone bill went to collections. On XX/XX/2020 I received a phone call from a debt collector, I told her that I was unable to make a payment and the debt collectors ' response was, I don't understand why you can't pay your phone bill when you just received a {$600.00} stimulus check. I told her she had no right to say that to me and I hung up. I called back and spoke with another debt collector and told him what happened. He stated that she shouldn't have said that to me and transfer me to the supervisor. The supervisor whose name is XXXX talked over me and hung up. The name of the debt collection agency is ACSI the phone number is XXXX. I called the corporate office at XXXX and was transfer back to this XXXX person. I know that the money is owed back a debit collector has no right to tell me she doesn't understand why I can't pay my bill because I just got a {$600.00} stimulus check. She was very rude and inappropriate. The debt collector doesn't know if I received a stimulus check. Please help me the supervisor XXXX stated that she listened to the call and didn't find anything wrong with how it was handled.
Product: Vehicle loan or lease

I refinanced a auto loan, it was never late, it's fully paid off. Now I need a document showing that's it's paid off and I am unable to get one from Bank Of America. To be clear, they are not refusing to send such a letter but the only option they agreed to is via FAX. To further clarify, I made this request in XX/XX/2020so I really have no idea where to find a fax these days. I don't have one, my employer doesn't have one etc. The paid off loan has disappeared from my online account and is literally no way for me to prove it's paid off other than buy a fax machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX, Balance {$15000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$57000.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1600.00} ), XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1800.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$13000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.