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

Request for Method of Verification Under FCRA Dear Sir/Madam, 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 ( s ) : Disputed Item ( s ) : 1. Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 
XXXX. Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( 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 : 1. The name, address, and telephone number of the person or entity that verified the information.

2. 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, XXXX XXXX
Product: Debt collection

I received a debt collection notice for {$200.00} from a company called Online Collections. Website is payments.onlinecollections.com and phone XXXX, address XXXX NC XXXX. XXXX XXXX, zip XXXX. Originating debt supposedly from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, phone XXXX. Address XXXX. XXXX XXXX XXXX XXXX CA XXXX. 

I called XXXX  XXXX  phone line and they say I owe XXXX  dollars. I never received any other bills than the one I paid for {$1800.00}. In fact, I overpaid and I am due funds. 

I believe this debt is fraudulent. They are also trying to collect info they dont have ( phone number ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report. I am a victim of identity theft, and the following accounts and inquiries were opened or conducted without my knowledge or consent. 
As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed from my credit report. Please find the details of these accounts below : Fraudulent Accounts : XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$31000.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$510.00} XXXX. XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$490.00} XXXX. XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$1400.00} XXXX XXXX XXXX  Account : XXXX Opened : XX/XX/XXXX Amount : {$840.00} XXXX. XXXX XXXX XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$510.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Amount : {$620.00} Unauthorized Inquiries : XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Checking or savings account

Citizens bank have overdraft my account over a claim for a vehicle worth XXXX and now is been a weeks since they took my money I had XXXX in the account at that time and I received my unemployment money for XXXX and they took it they left me with no money what so ever I have placed numerous calls and complaints they gave done nothing the y don't care
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank, acct XXXX XXXX  XXXX, acct- XXXX XXXX XXXX, acct XXXX XXXX, acct- XXXX has violated my rights. 

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 an account without my written instructions
Product: Debt collection

After a recent pull of my credit report I noticed a collection placed by this company which I do not know of or owe..I have no business with this company, no contract written or verbal, I have never heard of this company and I am not in debt with this company.. I sent a letter certificated mail requesting verification of this debt on XX/XX/2018 ... I have not yet heard anything from this company..they are intentionally reporting false and invalid debts on my credit report in an attempt to defame my character.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX- XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit card

I applied for a Capitol One Quicksilver card. There was to be a {$200.00} cash bonus if I spent {$500.00} in XXXX months. New customer offer. I complied with everything.. I called to find out why I did not receive my cash bonus. I was told I qualified and should receive it by XX/XX/XXXX. I called back the end of XXXX and was told I did not not Qualify as my card did not offer the {$200.00} bonus. I was told by two supervisors there was a notation on my account stating I did Qualify but that was not accurate. They said the person who made the notation would need additional training. Really?? You can't make this stuff up. The truth is I did Qualify and I can prove it. My daughter Emailed me a screen shot of the original ad. There is a tab on that ad to sign up for this program. You use the tab on the ad to sign up, making it impossible to make a mistake. We did this together and she received a referral bonus when I signed up. Subsequently I have printed current ads and they have the same promotion that I was offered. It seems that whenever you search CAPITOL ONE QUICK SILVER CARD this promotion comes up with the card. I have copies of my card, the two recent promotions and the cop [ y of the original promotion. I was told by a CFPD customer service representative that this isn't the first time this complaint has been made against Capitol One.
Product: Consumer Loan

I have made payments as scheduled on my loan from SunTrust continuously. Earlier this year, they fraudulently added a past due amount of approximately {$220.00} to one of my bills despite have records of my payment on their site. This was resolved with a phone call, and they removed the amount. It has happened a second time this month, billing a past due amount of {$220.00}. I have records of my last invoice of {$260.00} and subsequent payment of {$300.00}. Having happened twice in the same year, I am concerned that this amounts to billing fraud. Thank you.
Product: Credit card

I was buying an item on ebay. I went to pay with my paypal account. They redirected my request without telling me. I thought I was confirming my ss # and email for security purposes for the purchase, the next thing I know they setup a credit card account in my name. This is not acceptable. I called to have the account closed and credit inquiry removed. They said they could not remove the credit inquiry. I am in the middle of applying for a home loan. This should be illegal.
Product: Vehicle loan or lease

I bought out the lease on my vehicle on XX/XX/2020. A lease payment went out the same day, resulting in an overpayment of {$350.00}. I spoke with a rep at KIA finance in XXXX and was told the overpayment would be reimbursed by a certain date. After I pointed out that date had passed and I still hadn't received the payment, no added action was taken on behalf of KIA finance to refund the payment or even contact me to discuss the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint, as prior complaint was closed without addressing actual issues. In the attached documentation it is clear that inaccurate information is being reported and illegal duplication accounts being reported. 

No validation response has been received from ability recovery. The documentation attached to the response to the complaint does not provide any justification for incorrect and inconsistent dates, or the illegal duplicate reporting. Again, the information reporting is false and defamatory and needs to be removed immediately. 
The response is incomplete at best and provides false information. Stating that I have been provided documentation is an absolute lie, I have never received any documentation from Ability Recovery. I provided proof of the dating inconsistency and duplicate reporting, which is illegal.
Product: Checking or savings account

I 'm writing about a check that was processed thru Chase Bank on XXXX/XXXX/XXXX for XXXX. The check was signed but not authorized to be put through our checking account had an available balance of about XXXX in it. I had a few other thing that was pending that got pushed up and I received overdraft fees for those items that was pending ahead of the check. I called Chase to resolve the issue that stated it 's nothing they can do to call the merchant because it was paid. I asked Chase why would they pay this item without the funds available Chase stated they decide which items get paid or return. This check was attempted to be deposited on XXXX/XXXX/XXXX and it was returned because I only had XXXX cent available and I got a a XXXXfee now all my recurring items are being returned and I 'm getting fees. Chase will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax, XXXX  and XXXX since XX/XX/2020 regarding inaccurate/fraudulent accounts on my credit report. I have requested they investigate, reinvestigate and send me a validation of such items which they have failed to do in over 5 months. I know my rights, and according to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Checking or savings account

I submitted complaint and the rep put in wrong personal information which made it impossible to follow up on because the other rep said identity problem. So that's what stopped me from providing what was needed to follow up. It's ok. They got me again and are allowing federal benefits to be garnished which is prohibited as well as bogus withdrawals posted days later from original as duplicate withdrawal. But no different than the other complaints filed nothing done and others not followed up on. Just wow. I don't even see this importance of this branch. Still leaves the consumer with no voice. Un believable to say the least. I'm disgusted because I was also told fdic handles this and not cfpb. Credit reporting agency keeps hanging up and won't follow guidelines set and make it impossible to even get through to a rep. Major problems in a consumers life just to be left with no rights as guaranteed by law of the land. I guess I will just try to cash out this business account wells Fargo opened without my knowledge. Just with one days there is at least a couple hundred thousand for that one day according to my check log provided to me for them to deny. I have proof from conversations with reps. System won't allow me to change phone number. Besides. The company keeps disconnecting after 2 weeks of being paid. So, no phone. But they sure be all on my darn credit report illegally
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked hard to get my credit score in the Excellent range in the low XXXX 's. Within weeks my score dropped from 89 to 175 points Equifax : XXXX in XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 89 pt drop ) XXXX : XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX ( 175 pt drop ) I contacted Equifax and XXXX to understand why my credit score was decreased so much so quickly since there has been no major problems or changes to the account except for paying off a car loan ( with NO late or missed payments over a 5 year period ) and opening a new account for another car purchase. 

I have tried to obtain information from Equifax and XXXX yet they can not find anything that has changed and refuse to correct the score. They have refused to help or even tell me how to fix the problem. Equifax also has claimed I have put a freeze on my account in XXXX with a special " code ''. I do not remember doing this. 

I need my credit score corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a XXXX of all letters sent below. 



XXXX XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account This information is reporting inaccurately and does not match my records. You have violated XXXX ( a ) ( b ) by failing to mark this account as disputed XXXX XXXX is reporting the date of last activity as XX/XX/XXXX It is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. 

XXXX XXXX This account was paid and the creditor agreed to remove it from my credit report and All dates on each bureau should be the same but why am I seeing 3 different date of last activity dates reported XXXX XXXX is reporting the High Credit as XXXX XXXX  is reporting XXXX and XXXX is reporting XXXX Remove this inaccuracies on my credit report and you have failed to mark this account as disputed. XXXX XXXX and XXXX has re-aged the XXXX and is in violation of FCRA 605C This companies has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX I demand removal of this inquiry : XXXX XXXX  XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Around the mid XXXX Chase close my account due to fraud, I try to reopen new account after notice my account was fraud by scammers, I couldnt reopen at the time. In XXXX  and XXXX. I was wanting to come back bank with Chase. Chase informed me that I have to wait for a letter stating that I have been taking off the blacklist. I
Product: Credit card or prepaid card

I opened a credit card with synchrony bank guitar center in XXXX of 2021. I was given a credit limit of {$600.00} i have used and paid ever since without missing any payments. Synchrony bank decided to decrease my credit limit for no good reason after I asked for an increase in my credit. I have no derogatory history with synchrony bank. According to the ECOA I am entitled to my credit and can not be denied credit as long as I have capacity to enter into contract. I am being discriminated against when synchrony bank performed unreasonable searches on my name to deny my right to credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following inquiries and outstanding items currently listed and showing on my Certegy Consumer File Disclosure Report Tracking Number:XXXX, is fraudulent, unauthorized and is the result of identity theft : XX/XX/XXXX, Enrollment Target XXXX and XX/XX/XXXX, Check Payment, Check Number : XXXX, {$270.00}, Target. The inquiry and outstanding items is fraudulent, unauthorized and not my inquiry or outstanding item. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Mortgage

My husband andihave been trying to get our modification cleared up since 2010. We were in the process of being approved for a modification when pur mortgage was sold. We were never notified of our changed interest rate and allowed to resume payments and have been struggling to get a modification every since. We have app, XXXX at least XXXX times and have verbally denied each time with no written documentation toback this up Now we are considering g filing another Chapter XXXX tAnd payingtheXXXX payments arrears just so we can remain in our home. XXXX, y want to be able forest me payments with arrears put to the back of the loan we are not looking for a lower payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account Number : XXXX - Original Creditor : XXXX XXXX XXXX It saddened me to learn that you somehow Transunion verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX XXXX was removed from my XXXX report on XX/XX/2021! 

I am very interested to learn how Transunion 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that XXXX  spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Transunion via email, fax, mail and on the phone with a representative.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. 

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$73.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to have my Sagestream frozen