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

XX/XX/year> Account name WORLD FINANCE Account number XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need to be deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. 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 have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

Whoever it may concern, Since XXXX of XXXX, I have been a Cash App customer under the name XXXX XXXX. I am writing to dispute a transaction that occurred on XX/XX/XXXX that was not authorized. 
On the date indicated above, my employer XXXX XXXX XXXX XXXX XXXX XXXX deposited {$270.00} into my account. However, when I checked my account at XXXX XXXX, I discovered that the funds had been removed. At XXXX XXXX, I engaged in a communication with XXXX, Cash App Advocate, who informed me, " I see that we were notified of your {$270.00} direct deposit on XX/XX/XXXX at XXXX XXXX. XXXX. Typically, it takes one to five business days for the funds to be deposited into your account. Although we can not deposit these funds any faster, they will be available in your account as soon as the bank settles the deposit. It may take 1 to 5 business days for the funds to become accessible in your account, XXXX. 
However, I contacted Cash App on Monday, XX/XX/XXXX at XXXX XXXX and inquired about the status of my funds with XXXX XXXX ID XXXX. The representative informed me that between XX/XX/XXXX and XX/XX/XXXX, several technical issues increased my available balance, which paid for purchases at XXXX, and they deducted funds to cover those costs. 
Concerning this matter, no communication was ever sent informing me that there were technical issues that would have an impact on future finances. 
Second, their staff 's inconsistency regarding the status of my funds is perplexing, and I need to know the status of my funds. 
Third, the lack of these funds has contributed to financial hardships ; how will this issue be resolved? 
In addition, I would like to submit copies of the conversation in which XXXX confirmed that I would receive my money.
Product: Debt collection

Caller uses a different number each time they call to avoid being blocked or filtered in any way. Caller makes repeated attempts from these falsified numbers every day for over a month straight. Caller abuses my rights to communication via jamming my voicemail inbox with non-messages, blank pauses, recorded statements replaying, or AI voices talking as though they are humans attempting to collect a debt. Caller can not prove a debt was accrued by myself or anyone related to me. Caller is using textbook harassment techniques to force me to pay them or deal with being harassed presumably for the foreseeable future. Caller is breaking the law and knows it.
Product: Credit card

I lost my wallet and a WalMart credit card was stolen. Ge bank recognized the charges as fraudulent and the charges on the card would not be reported to the credit agencies or a collections agency. Except XXXX things happened even after he made XXXX months of payments after the letter saying the charges were fraudulent. My wife and I both have contacted ge and they 've told us they would resolve the issues but have n't and refuse to speak to my wife now.b we do n't have time for this and this has kept us from buying a house and car and getting a better job because it 's the only thing on my credit report. This is unacceptable and they need to fix this. I have original letters from them and police reports. I would like my money back I paid for charges o did n't make.
Product: Bank account or service

I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Dating prior to XX/XX/XXXX and prior even I was told my only option was forbearance that I was not eligible for any other repayment plan. XX/XX/XXXX I realized there were other options and the payments they claimed I had to make were outrageous. After more of my own research I called back in and explained how I was once again misinformed and wanted repayment options. I was given a repayment plan but even up until XX/XX/XXXX I was lied to about what the payments were going to be and never received any of the documentation on how or when or even how much the payment would increase causing late fees to accrue. Between the years of accumulated interest in forebearance that I didnt deserve and still inaccurate information resulting  in more money I have to pay my loan amount will never seemingly go down remaining at XXXX in loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XX/XX/2018 record of an inquiry on my credit report which was made without my consent. The company name is CREDCO, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, which I was able to find out was XXXX XXXX. The only contact I have ever had with XXXX XXXX was when they called me to solicit a refinance in XXXX, CA. I already had a new loan on a new home purchase 3 months before and told them I was not interested. When they asked about checking my credit ( in order to convince me of a better deal ), I specifically told them " absolutely not ; I do not want you dinging my credit '' and " I will not be interested in the near future ''. They assured me they would not pull my credit, but continued to provide rate information for future consideration anyhow. I have tried to get a response to remove this from my credit, but the requests to contact me have been ignored. I have never applied or requested consideration for a loan with this company and want it off my 3 credit records as it affects my score negatively. I see many complaints online about the same issue with XXXX XXXX and hope this inappropriate behavior can be stopped or affected enough to reduce future instances. Thank you.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I opened an account with XXXX XXXXXXXX XXXX and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was 60 90 days late which is not true I spoke to the company in XXXX and asked them if I was ever 90 days late they said no and they will fix it the report and as a curtsy they will request to have the late removed and as I am looking they still have not posted it and or removed the late as I was promised
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact, a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report : XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX
Product: Mortgage

BSI Financial Services is my mortgage servicer. On XX/XX/XXXX, it sent me a marketing email offering home insurance claiming that my policy would expire in 60 days, which was incorrect. I called confirmed that information was incorrect and asked that they correct their marketing practices and to receive confirmation that the issue had been handled, and they declined to change marketing practices or to provide me with information to contact the marketing department.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a large direct deposit from my employer into the account for my annual bonus and my normal bi weekly pay check on XX/XX/2024. I made some large purchases and they froze my card. They did unfreeze after calling customer service and verifying my identity but on XX/XX/2024, I received an email from credit karma email address : XXXX stating that my account is locked for my protection again. I reached out to customer service several times on XX/XX/XXXX via email, chat and phone. All reps keep saying the same message : they can not inform me why my account is locked and that my account is under review by a higher department. There is no direct contact information for this department I have to wait for an email from them. 

Well today XX/XX/2024, I went to log into my account and the account was closed. I can not view my account in the app or online. Instead its prompting me to apply for a new account. I called customer service again today and was informed that the account is closed. I had {$390.00} in the account and the representative could not tell me how they plan to give me access to the money that was in my account before they closed it. The representative also could not tell me why it was closed or locked in the first place. Keep referring me to this email Im supposed to be getting from the higher department who has no direct contact information. There are hundreds of folks on XXXX experiencing this same exact issue and getting the run around from credit karma customer service. I still have not received an email from this higher department regarding account lock or closure.
Product: Vehicle loan or lease

Hi i am writing to you today because i had a dispute with you and it seems like you guys are not conduction an investigation because i have sent a dispute for the 30 days late that you reported me and you guys removed it from XXXX  but you didn't remove it from XXXX and XXXX then 1 month later i see it reapeairs on XXXX as if nothing happened before furthermore i see that you have multiple inaccurate reporting on my report because the 3 bureaus are all reporting differently for example look at the date of last activity, look at the date of last payment, look at the balance, look at the monthly payments, they are all reporting differently between the bureaus as i will attach a report
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filig this complaint. The stuff on my credit report is wrong.
Product: Checking or savings account

I had a check deposited into my account that I didnt do and its closing my account for fraud so I turned off my card and I let them know and they sent over a new card but they are still going to close the account for fraud
Product: Debt collection

On XX/XX/2018 I sent a letter to I C Systems requesting validation of a collection account that is being reported on my credit reports. As of today I have not received any response from I C Systems.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts as I did not authorize them, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX. These accounts do not belong to me and have not been removed after my dispute
Product: Credit reporting or other personal consumer reports

incorrect information reporting on my credit profile and i would like all of these items remove from my credit profile Accounts- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Hard-Inquires XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$950.00} XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

RATCHFORD LAW CONTINUES TO VIOLATE MY CONSUMER RIGHTS AND I WILL BE SUEING THIS COMPANY. AS I STATED IN MY FIRST COMPLAINT, THIS COMPANY DID INDEED COME TO MY HOME WHICH I HAVE A RING CAMERA THAT HAS VIDEO FOOTAGE. I AM ALSO AWARE THAT A DEBT RATCHFORD LAW GROUP IS INDEED A DEBT COLLECTOR AND NOT LAWYERS WHICH IS FALSE REPRESENTATION WHICH IS A VIOLATION OF 15 US 1692E.

ALSO IF NO ONE FROM THIS OFFICE WAS AT MY RESIDENCE THAT MEANS, YOUR WORDS AND RESPONSE ARE NOT VALID AND YOU ARE GOING OFF OF ASSUMPTIONS WHICH IS INDEED A VIOLATION OF 15 US 1692G.

PAYMENTS WERE MADE TO THIS COMPNAY AND YOU CAN EITHER REPAY ME 2X OF WHAT WAS PAID OR YOU CAN CEASE COLLECTION AND REMOVE MY INFORMATION FROM YOUR DATABASE. THIS DEBT WAS NEVER VALIDATED FOR YOU TO EVEEN SERVE ME PAPERS OR TO EVEN COLLECT A DEBT WHICH IS ALSO A VIOLATION OF 15 US 1692G. I HAVE 30 DAYS TO DISPUTE A COLLECTION WHICH I WAS NOT GIVEN THE OPPORTUNITY TO. 

PLEASE FIND ATTACHED MY AFFIDAVIT OF TRUTH ATTACHED WHICH I AM THE CONSUMER AND ORIGINAL CREDITOR.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a second re investigation letter into Experience along with additional proof of a collection on my report the is incorrect. Collection account name is XXXX XXXX. I received an email stating the debt remained. Around the week of XX/XX/XXXX I called Experian asking how this is possible with the proof that I sent in. The rep looked at my proof and said yeah she agreeded but just cant delete something and told me I need to work with the collection agency. I explained to her I have called them and faxed them and they refuse to speak with me. I went on explaining they are bulling me and know the debt is wrong. Also the amount showing owed doesn't even match what was billed to the insurance from the original party. 

The rep then went on to say she will call the collection agency. She called and stated XXXX told her to tell me to send them the proof directly. I said back to her how does that make any sense when your company already stated they showed them the proof with my dispute? Then went on this is what I mean that this company is trying to bully me. The rep told me there was nothing she can do. Experian is ruining my credit and are reporting incorrect information after a lot of proof as been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX ( Original Creditor : 01 XXXX  ) Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. ( Original Creditor : XXXX ) Account Number : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 has violated my rights.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.