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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX
Product: Debt collection

The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fraudulent account XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX/XXXX XXXX XXXX Creditor also change its name to the XXXX  XXXX XXXX  Under open account on my credit report is XXXX XXXX account number XXXX Date open XX/XX/XXXX Amount XXXX Attached is a police report listing this account t total XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under closed account on my credit report it's the same company different card it's a first access card I do not have account number for this account both account are listed on my police report I attached Identity theft XXXX XXXX XXXX   XXXX  XXXX /XXXX XXXX  Creditor change name to XXXX XXXX XXXX   Opened XX/XX/XXXX or opened XX/XX/XXXX Amount XXXX I did not apply for any applications or accounts with the company mentioned
Product: Credit reporting

I went to Transunion for my free credit report. They are now charging me {$19.00} per month for unwanted credit reporting. Their website has no place to cancel membership and receive a refund. They canceled my membership, but refuse to refund my {$19.00}.
Product: Debt collection

I have been receiving calls from Legal aid. They said that there is a judgement pending against me. No court paper work has been filed. I have spoken to someone and they state that I owe a credit card company a total of {$14000.00}. I can settle for {$6400.00} or payment plan from the amount of {$14000.00}. If I do not answer within 24 hours I will be sued, they will put a lien against my car, my home if I have one. I have checked my credit report and there is nothing on there stating anything. I have also called the credit card company with account number that was given to me by XXXX XXXX and the person I spoke with could not find anything. I received an email from XXXX XXXX XXXX XXXX so that I can put my credit card information to pay {$6400.00} and sign.
Product: Credit reporting

Trans Union continues to report a balance on a negative item that is 10+ years old. 
This item should be removed all together from our report. The balance should be XXXX and the trade line removed all together as it is over 7 years old. We are 2 weeks away from closing on a loan and this item ( showing a balance ) is reported to Trans Union only and is causing us a debt to income ratio issue. It should be removed right away and we need written confirmation to provide our lender. URGENT REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit limit increase with my XXXX credit card online. XXXX declined the request with reason that my Equifax credit report has a bankruptcy reported. My bankruptcy was discharged well over ten years ago and should not be part of my credit report. Equifax says I have no bankruptcy on my report, but on their own website, it shows a bankruptcy under my account information that is hurting my score.
Product: Payday loan, title loan, or personal loan

Towards the end of paying off this loan ( Last 3-4 momnths )... they started not taking payments form the account I authorized. I had never stopped the payments from coming out of account ending in XXXX. The reviews about this company say that they are notorious for this! 

XXXX XXXX notified of me of this .Asking if I needed help making monthly payments? XXXX never sent me any notice. XX/XX/2022. I paid off the amount of {$48.00} X 2 that was my balance. Then, tried to say I owed 13 dollars and some cents? These people keep trying to get money and it's unethical! They refused one of the payments from account ending in XXXX ... making me delinquent and adding fees! 

Now, the amount due has gone up. to over {$100.00} dollars! I am not paying that. I am only paying 48.37 ... and I want to be done with them! They need to also credit my payment history with XXXX as " Never delinquent '' and paid in full once they agree. I sent a complain to XXXX... they ( XXXX ) has not responded to them yet!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I dispute XXXX  of XXXX/Nelnet account for payment history. The payment history is incorrect for XXXX of XXXX/Nelnet account. I am requesting that this item is deleted on my credit report.
Product: Checking or savings account

I am filling a complaint with the CFBP regarding Capital One 's failure to deposit my direct deposit from my employer and my other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and i request your assistance investigating this matter to ensure my rights are upheld. Thank you.
Product: Student loan

On XX/XX/2018 I sent a check that included the calculated interest for two loans to the XXXX XXXX. Instead of applying the entire check to the two loans they spread it around. They didn't pay off the two loans.

They are offensively XXXX and grossly incompetent.

I want them to pay off the loans. I needed that for my debt to income ratios.

Getting the location to even send the check took two phone calls. How this isn't on the website is beyond me.
Product: Payday loan, title loan, or personal loan

We had solar panels installed through XXXX XXXX which has now been proven to be defective faulty equipment also through XXXX and partnered with GoodLeap. There are thousands across the United States who are now filing class action lawsuits and complaints to the State Attorney General in the state each resides. XXXX XXXX now is filing bankruptcy owned by XXXX XXXX. Not a single phone number we had been given is working. Our equipment like thousands of others does not work and we can not speak to anyone regarding fixing this equipment. Most are now stopping payment to GoodLeap as they should have vetted this company deeper and should shoulder this blame. We are in our second year and on the hook for 23 more years of payments on equipment that has damaged our home and rendered it completely useless. They are now trying to put liens on home owners who in good faith bought into something that was misrepresented, deceptive and fraudulent. Also destroying the credit of hard working Americans. Please help the thousands of home owners like us, whose lives are being destroyed by these practices and charlatans.
Product: Credit card

I had a Citi XXXX card. In XXXX, I charged a total of {$9900.00} dollars to this card. This would normally pay out XXXX in cash back rewards. Citi chose to close my card for no reason. In fact, they sent me a letter effectively saying they have no reason - they 're just choosing to invoke their clause to close my account. 
But, they are refusing to pay my rewards. They are effectively stealing money. I mean, let 's look past the fact that they are closing my account down for no reason - as they noted, if they do n't want to do business with me - fine. I chose this card over other cards that did not choose me down. Citi profited on swipe fees with my account. Now, they are stealing the rewards they chose not to pay. This is deceptive and borderline criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on XXXX  for {$63.00} Please remove unauthorized inquiries from my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY I HAVE PROOF ENCLOSED WITH THIS COMPLAINT THAT I REACHED OUT TO YOU GUYS OVER A MOTNTH AGO, AND I HAVE YET TO GET A RESPONSE FROM YOU GUYS......
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my Equifax credit report, which have recently come to my attention. These inquiries were conducted without my consent or authorization, and as such, I request their immediate removal from my Equifax credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ). 


XXXX. XXXX - XX/XX/year> - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX XXXX  - XX/XX/year> - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX - XX/XX/year> - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

Under Section 609 ( a ) ( 2 ) of the FCRA, consumers have the right to request the disclosure of their credit report, including the sources of inquiries made within the past two years. Upon reviewing my credit report, I discovered unauthorized inquiries that were not initiated or authorized by me. These inquiries have negatively impacted my credit score and financial standing.

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. The unauthorized inquiries on my credit report are inaccurate and misleading, as they do not reflect any legitimate credit transactions or applications initiated by me.
Product: Credit reporting or other personal consumer reports

company XXXX XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ] that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : o What the money you say I owe is for : o Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : o Provide a verification or copy of any judgment if applicable : o Identify the original creditor : o Prove the Statute of Limitations has not expired on this account : o Show me the you are licensed to collect in my state : o Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Checking or savings account

Cashapp froze my card after I put my pin number in wrong. It locked all transactions. I called them to have the card back enabled the first bad english speaking guy disconnected the call. When I called back the lady said she fixed the issue and it was resolved. The card is still locked and blocked from transactions. I waited for hours and hours with no resolution and then I tried chat support all they did was send me a bunch of useless templates that still wont allow the card to be used. Now cashapp is fraudulently holding my funds and card access hostage without releasing the hold on the card. I've explained to them the card is unlocked, its enabled but there's a system issue that is not allowing the card to make purchases and they clearly see that because when the card is declined it sends a cashapp notice saying the card is not enabled due to unusual activity. So I am beyond past frustrated dealing with this low budget foreign people that barely speak english and are incompetent.
Product: Student loan

I got behind on my Navient private student loans and could not afford to make the payments. I tried to get a forbearance to become current on my loan and was told that I have exhausted all of my options. We then attempted to setup an income driven plan and we were told we make to much money to be eligible for this and we did not comply with the correct bank document for my husband. The loans went into default. I was called 5/6 a day and when it went to an account specialist, I was told that there was no way they could take payments. The counselor thru navient asked where I was when I was n't home which is absolutely none of his buisness. He wanted to know how I was going to buy XXXX presents. He insulted me as a person and how I could n't make payments. That i was dead wrong in my thinking and I needed to listen to the " grave '' consequences. All of which I tried to offer solutions with what little money I had left over in the month, but these payments were not an option. I finally hung up and got a manager even though they did not want to do this. She told me to ask family members to settle the account for XXXX! I do n't have family members that could do such a thing. I attempted to apply for the loans she suggested and was denied becuase my credit has been destroyed, she told me I could speak to my account manager with anything else though he was harrasing me and making me feel like I was a criminal though they wouldnt help me when I WANTED to come up with a solution..
Product: Debt collection

This is a duplicate biill and i was on XXXX  at the time. im being charged the exact same amount for a charge they refused to blil insurance for. Please remove both. Im following with a duplicate dispute as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> My funds were unauthorized transfers from my NetSpend account to someone else XXXX XXXX  account for the amount of XXXX without my acknowledge. I was going through a challenging situation at that time. On the month of XXXX I contacted NetSpend to file a dispute with the XXXX XXXX, NetSpend did receive my dispute and open a dispute for also, close my account as well. After the month of XXXX NetSpend sent me a check for XXXX in which that is not all of the dispute for my claim number for the amount of the dispute. NetSpend insist on improving part of my funds and sent me what they think I deserve. I call NetSpend to get the rest of my funds of XXXX NetSpend reopened the claim after I sent them the claim number for the amount of the dispute and they sent documents from the investigation on the dispute in which the names they have I have no acknowledgement of the person that made the unauthorized transfers. I haven't received any response yet about the reopening of my dispute.
Product: Credit reporting or other personal consumer reports

Last XX/XX/year>, I went to make a vehicle loan with a dealer and to make a loan through a single bank, they ran my credit through XXXX different banks on the same day without authorization. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX of XXXX XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I was looking over my credit score through XXXX and noted a derogatory claim I had never seen before. I reviewed it, and it claimed I owed XXXX dollars to Florida XXXX XXXX XXXX. The claim was reported by Amerifinancial Solutions. I have never been contacted by either of these organizations about this debt, nor have I ever utilized the services of Florida XXXX XXXX XXXX. I only learned about this claim reviewing my credit report
Product: Checking or savings account

I have an Bluebird by American Express account and my direct deposit has been held since Sunday night. My deposit was supposed to post Sunday and it is now Tuesday and do not have access to the funds nor have they acknowledged a problem on their end. They send me back to my employer to verify with them that the funds where processed in which they were and everyone at work got paid except for me. Now I have to learn from other card holders that Im not the only one with they issue theres thousands of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes 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 any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY