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

Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX XXXX. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information.

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Accuracy Obligation Credit reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately. 

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies.

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on AWA COLLECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX Opened : XX/XX/2019 XXXX XXXX : {$58.00}
Product: Credit card

Unlawful Denial Of Credit And Securities Peace & Love To All Who Read This! 

I applied for a card and got denied. Regardless of the reason for being denied I have a right to credit. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

According to your prospectus ( See Trust Assets below ), I know that you've turned the application into a security in which you're now selling and making money until it matures. You're also selling my previous applications, contracts, and account info. 

Trust Assets- The Trust Portfolio The primary assets of the trust are receivables in designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. 

You've sold all rights, titles, and interest of the receivables to American Express XXXX XXXX XXXX XXXX relinquishing beneficial ownership of the original owner. You're being paid! Not only that, but you also got the original issue discount ( XXXX ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! 

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws. 


Keep It Simple And Do The Right Thing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity occurred on my account and a fraudulent New Mexico, XXXX address was part of the fraud. Two credit agencies removed this address as being a former address of mine but Equifax continues to list it as a former address of mine.
Product: Checking or savings account

Hi To whom it may concern I gave my debit card to my mom to deposit XXXX dollars into my checking account of capital one 360 bank She deposit XXXX dollars first and got the receipt Then she insert XXXX dollars into atm and atm took money inside and didnt count or gave any receipts or didnt show any error. 
I called the bank to file a claim And next day i went back to bank branch and it was temporary closed due to covid19 It is still closed at of it now after 40 days. 
They returned XXXX temporary but took it back saying there is no record of you depositing Money into atm and you dont have any receipts to substantiate your claim I dont know what to do as the bank saying our investigation is closed and we cant open the investigation again There are cameras inside the bank and the first receipt of deposit.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Early Warning is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. XXXX XXXX nor the consumer reporting agency Early Warning have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Checking or savings account

On XX/XX/XXXX I visited XXXX XXXX for a week long vacation. I arrived to the hotel around XXXX XXXX on the XXXX and headed out the door at XXXX XXXX XXXXo a XXXX XXXX XXXX concert, I later found out the date of the concert was XX/XX/18. ( My mistake ) I walked across the road to a bar that I later found to be called the XXXX XXXX at approx. XXXX. I believe I had my debit card and phone at that time. At XXXX XXXX. while I was walking back to my hotel " the lucky in '' I noticed my phone and debit card were missing. On XX/XX/XXXX starting at XXXX XXXX. I tried to retrace my steps to find the missing items and had no luck locating either my debit card or phone. On the XXXX I went to the public library to track my phone using the " find my XXXX '' website when I found that my XXXX  ID and password on my phone had changed. At this point I knew there was something wrong, so immediately I walked to XXXX to use there land line phone. I used XXXX 's landline phone to put a hold on my card, and the representative told me there was fraudulent activity on my card, this was a shock to me because i thought this account was protected by my PIN that only I know. At this time me and the BOA representative went through all the fraudulent charges 1 by 1. The fraudulent charges added up to over XXXX dollars. I have XXXX dollars in open claims that are being researched. Another XXXX was denied and I was told by the claims department that it was closed and they denied payment because it was unlikely that the thief would have been able to guess my PIN in one try! Shouldn't that be a BoA security problem!?. I again have never gave my PIN to anyone. I would assume that Bank of America would only have to look at camera footage at the ATM 's to see it was not me making these transactions. Also there was purchases from major stores such as XXXX, XXXX, XXXX etc. Based on the transactions on my account the scammers knew exactly what they were doing. I have tried to resolve this problem multiple time with Bank of Americas fraud department and have escalated this issue to supervisors. I have faxed a police reports yesterday that was filed with XXXX XXXX Police department. I have been told a lot of misinformation along the way. One person told me that the FAX could only be seen during certain hours of the day, but today XXXX from Texas told me the FAX 's are available to the fraud department minutes after sent. I am fed up with the disorganization and am really upset with humanity at this point. I'm a career XXXX  that's job is based on my integrity, and it seems like that being questioned by bank of America. I have contacted my lawyer and am willing to take this as far as needed to get this resolved. I'm concerned because I was left with almost no money after the theft and now I don't have money to bay my beginning of the month bills. Let me know of any further information needed. 

Note : ALL TRANSACTIONS MARTKED WITH A *X* ARE FRAUD
Product: Consumer Loan

I had a car that was financed through Chrysler Capital. Recently the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital. Even though my gap insurance has submitted the claim information and sent multiple checks, Chrysler Capital is still stating that I have an outstanding balance. They are also reporting negative information on my credit report..
Product: Credit card

While conducting online banking within TD Bank website, I attempted to make payment in full on my TD XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted TD bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same TD branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request in response to a letter I received from 3 Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that the 3 Credit Bureau must investigate and delete these fraudulent items XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - ; Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card

I was in XXXX XXXX XXXX purchasing souvenirs to take home for family to the USA. Souvenirs were inexpensive items like 2 XXXX tshirts, 1 snow globe, 1 souvenir shot glass, 2 XXXX  coffee, 2 bag of teas. I was told by the merchant XXXX XXXX XXXX XXXX that the total was XXXX XXXX  which seemed fair. The merchant took my credit card to complete the charge, to my horror, I checked my chase credit card app and he instead charged me XXXXXXXX XXXX instead of XXXXXXXX XXXX! I told him that was not right, unfair and was a scam! I did not take the items even though the merchant insisted on me taking them. He promised to return my money but never did - although I already know that he never will as he operates a dishonest business of scamming tourists. I filed a dispute with chase and even called them, they said they will wait 15 days for merchant to send me my money back before they try to contact the merchant and seemed apathetic to my concerns during the phone call.
Product: Credit reporting

I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Product: Debt collection

In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report.
Product: Checking or savings account

XXXX XXXX. Deposited {$10000.00} to Citibank in XXXX, California. On XX/XX/2023 I Deposited a check for {$4700.00} to Citibank. As of XX/XX/2023, I made XXXX of several withdraws from the account. As of XX/XX/2023, Citibank sent a letter stating that they were terminating my account!! I went to the Citibank branch in XXXX, California, where I questioned the actions of the bank.They supposedly called their Fraud Department, and was told that my {$4700.00} check was fraudulent!! 
The personal there was good when I Deposited the checks, but became hostile the next XXXX visits there. I visited the Citibank branch on XXXX XXXX, and got the hostile treatment again!! Finally, I went to the XXXX, California branch, where the representative told me that the {$10000.00} was fraudulent?? My account was being closed down and no money will be given to me. Today is day XXXX of the investigation, how much longer do I have to wait for my funds??
Product: Credit reporting, credit repair services, or other personal consumer reports

O
n   XXXX   XXXX  ,2017 I sent  XXXX ,  XXXX , Experian a certified letter with confirmation of delivery which was sign for on   XXXX   XXXX  ,2017 from  XXXX ,  XXXX   XXXX ,2017 and Experian on  XXXX ,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the co  mpanies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo.
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   XXXX   4. XXXX  5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   Thanks for looking in this matter for me.
  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) helped me with having my Bank of America account ending in XXXX reported by XXXX and XXXX ( thank you! ). Upon reviewing the credit report, however, the High Credit balance is being reported as {$14000.00} ; but my credit limit has never been above {$13000.00}. I spoke to XXXX at Bank of America on XX/XX/XXXX, and he confirmed my credit limit was increased from {$10000.00} to XXXX on XX/XX/XXXX. He could not locate a high credit balance of {$14000.00} from XX/XX/XXXX to the present. He stated I would need to start a dispute with XXXX. I submitted a dispute with XXXX the same day ( XX/XX/XXXX ) under confirmation number XXXX. XXXX responded on XX/XX/XXXX with dispute results ( attached ) indicating Bank of America verified the high credit balance is being reported correctly. XXXX also indicated additional questions should be directed to Bank of America. The XXXX dispute report includes Historical Account Information listing a " High Credit '' balance of {$14000.00} dating back to XX/XX/XXXX ( i.e. XX/XX/XXXX ). I could not have had a high credit of {$14000.00} in XX/XX/XXXX because my credit limit was only {$13000.00}. Bank of America would have had to provide some type of waiver for me to exceed my credit limit. Also, per my previous discussion with the Bank of America representative, no {$14000.00} balance exists on my account dating back to XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian for violated Under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or " CRAs '' ) to conduct a " reasonable reinvestigation '' to determine whether disputed information in a consumer 's file. I will also be filing reports with Texas State Attorney and FDIC and XXXX XXXX XXXX XXXX XXXX switch and bait the incorrect Auto Account to Experian and delete the wrong auto that was in good standing.Copy of this report submitted to Experian legal dept
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$5200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$860.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$560.00} XXXX XX/XX/XXXX