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

The accounts listed below reporting on my credit report must be Deleted since many of the credit reporting bureaus failed to respond within the legal FCRA guidelines. Please Delete the following accounts listed below. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

American Express bluebird will not give me back my deposit for a hotel stay that was done on the XXXX of XXXX at the millennium hotel, I called bluebird and stated that the hotel was disgusting and they had to move us twice being that 1st time was n mn to clean and still in a used state after a customer and 2nd was not the room classification that we paid for, this room was to include multiple amenities and perks that would justify the elevated price. Ex. Special club level business room with free snacks and soda to make the stay as comfortable as possible was locked out to us and seemed as a front to trick customers into staying with them. The room was not updated since the 80s. And dusty and smelly. Not a XXXX dollar room which they also charged XXXX dollars for parking ( supposed to be comped for customers ). And also charged XXXX dollars on card for incidentals in which was told bluebird wont release and to wait When we called the 2nd time it felt like the call was a joke when we got transferred to some overseas call center. Would not say anything but the exact statement over over again. Nothing we can do we suggest you wait. Asked about certain emails we Received from them stating release of funds from 24-72 hours and still stated just wait. We have waited multiple weeks and still it is on our account and bluebird has yet chose to respond about our dispute of the XXXX hotel stay that was way out of line of what was promised so this is 2 part complaint. XXXX release our XXXX dollars for the deposit that we were told twice that it was only left to bluebird to do. And 2 the refund the XXXX Because it wasnt close to what we had gotten promised to us. We called millennium hotels and we called XXXX reservations so the call to bluebird is our last line of defense and they dropped the ball to protect its customer.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel trage or instinctudes any listing of any information to a credit reporting repository that could It your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit card

Filed several disputes with XXXX credit bureau and Apple Card representatives to remove fraudulent charges on my account and have derogatory information removed from my credit report without success. I have had excellent credit my entire life until this dispute with Apple Card and their services. Mid 700 's to over 800 XXXX  scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items or the information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I alredy filed a dispute and was credited and then today they told me I will be charged back. But I was doubled charged On XX/XX/XXXX at anytime market for {$19.00} and a charge for {$19.00} on XX/XX/XXXX at anytime market and XX/XX/XXXX for {$17.00} at anytime market place and XX/XX/XXXX for {$14.00} at anytime market and XX/XX/XXXX for {$15.00} at anytime and XX/XX/XXXX for {$12.00} and {$12.00}. I would like to dispute these
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed XXXX potentially negative months Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XX/XX/XXXX Credit Limit - {$2000.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX View more 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 Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Joint Account Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit - {$3700.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Highest balance {$1700.00} Monthly payment {$0.00} Late payments - 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 XXXXXXXX XXXX XXXX XXXX XXXX - - On Time - Data Unavailable Additional info Responsibility Terminated Terms Revolving Company sold - Original creditor - Comments -experian is the one publishing
Product: Checking or savings account

I went to my local Wells Fargo bank to make an ATM deposit on a Sunday, there was a gentleman in a truck that was running not doing anything in the parking lot so I waited a few minutes. He didnt leave so I went ahead and went to the ATM with my money to make the deposit And the machine said it was not accepting deposits that day I tried to do the transaction twice and then the ATM spit my card out I took my card and went back to my XXXX. When I left I went through the drive-through area turned onto the highway and noticed that the truck was still sitting there with the gentleman in it. The next day was a holiday Monday but I wanted to check my balance since I was unable to make the deposit and I was expecting a withdrawal for a trailer payment. When I logged into my bank account I saw that I had {$800.00} withdrawn which is the maximum amount from my checking account. I never made a withdrawal I went there to deposit {$1600.00} that was from the sale of a XXXX that I had received and still only had the {$1600.00} when I left because it would not take my deposit. Thats when I started thinking that that gentleman that was in the truck must have had a scammer on the ATM. I called my bank reported what had happened I also called our local sheriffs department and made a report. I received notice just yesterday stating that they found that the transaction was either made by me or that I authorize someone else to take that money out which is a lie. So they are going to reverse the temporary credit that they put on my account in 10 days which I do not have. What is my next step for recovering my money? Ive been with the same bank for close to 30 years.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had an unauthorized transaction from my XXXXXXXX XXXX  checking account through CashApp. I have never in my life used CashApp and the account was started fraudulently. The amount of the fraud transfer from my account was for {$150.00}. I have requested documentation to show that the charge was not from my phone, nor did I authorize any charges from my phone. I believe my number was routed through the CashApp and was authorized through an alternative method using my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$1000.00} XXXX   XXXX Card  ACCT : XXXX AMT : {$160.00} XXXX ACCT : XXXX AMT : {$860.00} XXXX  XXXX  Credit Card ACCT : XXXX AMT : {$1600.00} XXXX  XXXX Credit Card ACCT : XXXX AMT : {$1600.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 , XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX Dealer Services XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Account Balance : {$32000.00}
Product: Checking or savings account

Juno XXXX XXXX XXXX XXXX XXXXXXXX are holding {$3500.00} hostage from me because theyre having issues.
Product: Credit reporting or other personal consumer reports

For the last 9 months, I have requested five times for my credit report and my husband 's report XXXX with no response my social security number is XXXX my husband 's XXXX XXXX XXXX XXXX I have requested all three credits bureaus and neither one of them replied back thank you very much XXXX XXXX XXXX XXXX XXXX email XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated that while I was XXXX in a hospital, Ally repossessed my vehicle without any notices given to me and allowing me to cure my missed payments. After the vehicle was repossessed, they stated they made a charge of in the amount of {$22000.00}, and then stated there was a past due amount of {$1600.00} as of XX/XX/XXXX. 
UCC 9.506 and the RISA and MVISA statutes were violated here. 
Ally was contacted right after the vehicle was repossessed and they would not give me any information about the vehicle or my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian consumer report and noticed a name that does not belong, i would like XXXX ID # XXXX removed from my consumer report immediately. My report should only have one name and address to prevent Identity Theft. My consumer report should not contain information from someone with the same or similar name as me.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XX/XX/year> XXXX  Customer Care TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX : Request to Update XXXX Report Due to Loan Closure Issue Dear Sir/Madam, I hope this message finds you well. I am writing to formally request an update to my XXXX  report concerning my loan account with XXXX XXXX. 
Details of my account : Name : XXXX, XXXX XXXX, XXXX XXXX Report Reference Number Loan Account Number : XXXX Date of Loan Closure : XX/XX/year> I have successfully cleared all dues associated with my loan from XXXX XXXX. However, the loan account is still showing as active in my XXXX report, which is adversely affecting my credit score. 
I kindly request you to verify this information with XXXX XXXX  and update my XXXX report accordingly. A prompt resolution would be greatly appreciated, as it impacts my ability to obtain future credit. 
Please let me know if you require any additional information or documentation to assist with this matter. 
Thank you for your attention to this issue. I look forward to your prompt response. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from Factual Data stating they had investigated an inquiry made by one of their clients, XXXX XXXX XXXX XXXX XXXX, about my credit worthiness. In the letter they included from XXXX XXXX XXXX, the branch manager states that my credit was pulled on XX/XX/2018 to see if I qualified for some kind of home improvement loan for {$20000.00}. Factual Data failed to show any type of physical proof for my application for such a loan such as a credit application, or even a document showing that I had given my permission for them to run a credit check for such a loan. This inquiry was definitely not initiated by me, the consumer, and I want Factual Data to remove the hard inquiry from all 3 of the credit bureaus, ( XXXX, XXXX, XXXX  ) at once because this demonstrates a defamation of my financial character and willful negligence to damage my credit score under the laws of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom it May Concern : I am disputing the eight ( 8 ) Federal Tax Liens on my Credit Report. 

As of today, Transunion has not removed the Federal Tax Liens from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XX/XX/XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. 

Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. 

My eight ( 8 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is NO Date of Birth ( DOB ). 

Based on the NCAP Rules that became effective XX/XX/XXXX, I am disputing the Federal Tax Liens on my Transunion credit report and I request they be removed accordingly. 

Thank you very much, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Inquiries under 15 U.S.C. 1681b To whom it may concern : I am writing to formally request the removal of unauthorized inquiries that appear on my credit report managed by Experian. After carefully reviewing my credit report, I have identified inquiries that were made without my explicit consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Pursuant to the provisions of the FCRA, a consumer reporting agency may only furnish a credit report under specific circumstances, such as when a creditor has a permissible purpose to access my report. I believe that some of the inquiries listed on my report do not meet these criteria.

I respectfully request the following : A thorough investigation into the listed inquiries to determine whether they were authorized by me or made with a permissible purpose.

Immediate removal of any unauthorized or impermissible inquiries from my credit report if they are found to lack proper authorization.

Written confirmation of the results of your investigation and any actions taken as a result of this request. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to facilitate your verification process. 

I trust that Experian will handle this matter in compliance with applicable federal laws to ensure the accuracy and integrity of my credit report. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) This section of the Fair Credit Reporting Act outlines the permissible purposes for which a consumer reporting agency may provide a consumer report. These purposes include : In response to a court order or subpoena. 

For use in connection with a credit transaction initiated by the consumer. 

For employment purposes, with the consumer 's written consent. 

For insurance underwriting purposes. 

Any inquiry made outside of these permissible purposes constitutes a violation of the FCRA and must be removed from the consumer 's credit report if challenged.
Product: Credit card

I received an approval letter from PayPal and Rooms to go ( Synchrony Bank ) credit that I was approved for SCRA under KP state Louisiana but I only received credit from XX/XX/XXXX. Request interest rate refund from the start date of the account. I have been an XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed account as fellowed has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # 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 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 to any 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

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

Collection XXXX XXXX XXXX {$260.00} Public Record US Bankruptcy Court XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX decreased my credit limit, and significantly increased my interest rate, based on incorrect information obtained from XXXX. This resulted in it being impossible for me to meet the minimum monthly payment due. I tried to contact XXXX to determine the source of this incorrect information and was unable to reach anyone. I tried multiple times and was unable to reach any live person. As a result, this credit agency is impacting my financial status and I am unable to reach anyone to have it corrected. This seems like a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

XXXX XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.