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

Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 
{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and helping this matter. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a hard inquiry in my Equifax credit report made by XXXX which i did not authorize.
Product: Bank account or service

I have maintained a large balance in a Capital One Bank, NA " rewards '' checking account for several years. Over time it has been credited with over XXXX rewards points which I have never used. In addition, my wife has a Capital One Visa credit card with a " rewards '' feature as well. About XXXX days ago I received notification that the Bank was terminating the " rewards '' feature for the checking account effective XXXX XXXX, XXXX. I telephoned customer service shortly afterwards and inquired whether the accumulated rewards in the checking account could be transferred to my wife 's credit card account. A representative by the name of XXXX checked and told me the points were transferable, I did not have access to my wife 's credit card at the time, so I said I would call back when she was home. 
Yesterday, XXXX/XXXX/XXXX, I called back to do the transfer to her account and I was told that it was not possible. I asked for a supervisor and spoke with a person who identified herself as XXXX. She confirmed that it was not possible to transfer banking rewards to credit rewards any longer. She said the company changed transfer policy in XXXX XXXX. She also indicated that transfers between credit accounts was reinstated in XXXX of XXXX, but not between checking and credit accounts. I requested a copy of the Banks notification for the change of transferring between accounts since I could n't remember ever seeing any notice in XXXX XXXX. She said she was not able to send a copy of the notice she indicated had been sent to me. When I pressed harder she checked with another department and told me it is available in my branch office. Since Capital One has no branches in XXXX I was told I was pretty much out of luck in getting a copy of the notice that was supposedly sent to me. She had no explanation as to why I had been told by " XXXX '' I could make the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2021 2. XXXX XXXX  XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

Capital One failed to deliver my bill to the correct address, resulting in a missed payment. As soon as I discovered the issue, I immediately paid my balance in full and contacted Capital One by telephone. Capital One acknowledged that the error was on their end and agreed to promptly reverse all resulting late fees and interest charges. Nevertheless, Capital One subsequently reported negative information about the late payment to the credit reporting agencies. 

I initially disputed this information with XXXX and no action was taken for well over a year. When I followed up again, Capital One purportedly confirmed that the information was correct. I then complained directly to Capital One via email. After receiving a generic response letter I responded with my own letter explaining the situation to them once again, and attaching the billing statement reflecting Capital One 's reversal of interest charges and late fees following Capital One 's telephone acknowledgement that the error was theirs ( attached ). Nevertheless, Capital One has refused to correct the credit reporting error. Capital One 's derogatory report is the only negative mark on my otherwise perfect credit record.
Product: Checking or savings account

TD bank was notified I have been a victim of fraud and after placing XXXX in fraudulent transactions my account was closed as a discrimination to my skin XXXX. I enclosed a FTC report to this document and I expect TD bank to issue my refund from fraudulent transactions.
Product: Checking or savings account

My Wells Fargo business bank checking account has an unauthorized transaction {$2700.00} from XXXX XXXX XXXX ( attached ) on XXXX, Because I am sick and unable to notice it until XXXX. 
I called Wellsfargo and open a Claim # XXXX on XXXX, After 3 days, Wellsfargo closed the claim without any investigation on XXXX. Wellsfargo refused to reimburse me because too much time passed. Wells Fargo said the business account agreement requests to let them know within 30 days.but I dont know about it and Wells Fargo cant provide the agreement I signed. 
I also filed fraud inquiry to XXXX XXXX XXXX, but XXXX XXXX XXXX does not handle disputes regarding unauthorized payments made without my knowledge and ask me to ask my bank. 
This is 3rd time unauthorized transaction happen to this Wellsfargo business account. I want the Wellsfargo reimburse {$2700.00} to me. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I sent out a dispute letter to all three credit reporting agencies about several accounts on my credit report that have inaccuracies. They have been non Compliant to responding to my request. I ask promptly for them to remove the following accounts that is harming my credit report. They have not have not followed 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. please see attached proof of the following letter sent to the credit reporting agenices. 

XXXX. XXXX XXXXXXXX Account Number : XXXX Late payment status is reporting different amount of times to each reporting agency. 
XXXX. XXXXXXXX XXXX Account XXXX : XXXX Account is not reporting late payments to all credit reporting agencies. Please review and remove from my report for inaccurate reporting!. 
XXXX. XXXX Account Number : XXXX Account is reporting postitive standing and reporting negative standing please remove account for inaccurate reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted a report to Experian on XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX for an hour and they stated they could not find my report yet responded to it the complaint on XXXX. I have attached all documentation a proof of the correspondence.
Product: Credit reporting

XXXX, XXXX Transunion, and XXXX set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

aCCOUTN IN QUESTION : XXXX XXXX, XXXX and Equifax Are reporting in correct information regarding a balance on my XXXX XXXX XXXX For the past four months i have called, written and files disputes in which they have all been closed stating nothing will be changes. 

When i opened the acct my initial amt on credit was XXXX I have never missed any payments and all three reports show paid on time each month but they never change the balance due according to what XXXX say they are reporting. 

XXXX has told me they report my balance and i need to take it uo with the credit bureaus. I sent ceritfied disputes at minimum i have copies of all of them and on the credit bureau sites you can see mulitple closed cases on this under disputes. 

MY BALANCE IS XXXX XXXX  NO PAYMENT DUE UNTIL XX/XX/2023 100 % ON TIME PAYMENTS MADE EACH MONTH
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems is reporting a debt of {$200.00} in my name which I know nothing about. I have sent a validation letter which was received by the company on XX/XX/2019 and signed by XXXX XXXX. As of today XX/XX/2019 I still have not heard anything from the company which is more than the 30 days and no verification or validation that this so called debt is mine. 
Under the HIPAA I am allowed to protect my medical privacy and I am very concerned that this company is reporting something that can not be validated or verified.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : I sent letters via certified mail to XXXX, XXXX And Transunion notifying each credit bureau of the inaccuracies, inquiries and collections on my credit report. In the letters sent to each credit bureau, i requested that all inaccuracies, inquiries and collections be removed off my credit report. I also attached an identity theft report that i filed with the Federal Trade Commission ( FTC ) on XX/XX/XXXX along with a copy of my drivers license, social security card and utility bill. 

Personal Statement : Upon reviewing my credit report, I have discovered several collections that do not belong to me, as well as numerous inaccuracies. I believe that these actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and have significant implications under various historical legislations.

The FDCPA, enacted in 1977, is designed to protect consumers from abusive and unfair debt collection practices. It establishes guidelines for debt collectors and prohibits actions such as harassment, misrepresentation, and the use of deceptive practices. The collections listed on my credit report violate these provisions, as they are not associated with any debts I have incurred. 

Furthermore, I would like to bring attention to the XXXX XXXX XXXX of XXXX, which was enacted during the XXXX XXXX. This act aimed to stabilize the banking system and restore public confidence in financial institutions. It granted the President the authority to regulate banking transactions and temporarily close insolvent banks. The fraudulent collections on my credit report indicate a breach of this act, as they involve unauthorized transactions that have affected my financial stability. 

In addition, House XXXX XXXX XXXX, passed in XXXX, is relevant to my case. This resolution suspended the gold standard and established a system of XXXX currency in the United States. It recognized the importance of maintaining the stability of the monetary system and protecting individuals from fraudulent financial activities. The unauthorized collections on my credit report undermine the principles outlined in this resolution, as they have caused financial harm and disrupted my economic well-being. 

Lastly, I would like to highlight The XXXX Gold Repeal Act, which nullified the right of individuals to own gold and required them to surrender it to the government. This act aimed to stabilize the economy during the XXXX XXXX. The fraudulent collections on my credit report represent a violation of this act, as they have caused financial harm and disrupted my economic stability. 

In light of the aforementioned violations of the FDCPA, the XXXX XXXX XXXX of XXXX, House XXXX XXXX XXXX, and The XXXX Gold Repeal Act, I kindly request your assistance in investigating this matter thoroughly. I am prepared to provide any necessary documentation and cooperate fully with your agency to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this identity theft issue and restoring my financial integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITIBANK NA add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer
Product: Credit card

I have received a bill from XXXX Chase. I have not had or used a Chase card for quite some time. I was charged XXXX for an unknown item, unknown place of purchase, unknow date, unknown quantity of item. I have called several times over the last year. I would be told the charge was cleared, the card canceled. I would ask not to receive any more cards. I have received at least XXXX more cards that I have left in the envelopes unopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called LOAN CARE SERVICING CTR. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to LOAN CARE SERVICING CTR. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called LOAN CARE SERVICING CTR. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

My husband and I leased an apartment from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oklahoma XXXX. We signed a 6 month lease. In XX/XX/2019 my husband got notice from his job about changes and relocation. Therefore, on XX/XX/XXXX we went into the office at XXXX XXXX to tender our notice to vacate and find out the fee to be released from the lease. The agent we talk to in order to give the notice asked us if we would like to sublet the unit. we asked how does that worked and she explained to us that it would release us from having to pay for the last two months remaining in the lease or any other fees. We agreed to the transaction. She said that there is a lady waiting to see her who is looking for the size apartment that we have but currently they don't have one available. She said please follow me so I can introduce her to you all and see if she would agree to sublet contract. After speaking with her she was very excited and agreed to the subletting. The leasing agent asked us to use the office computer and complete the subletting documents. In which we did. We move out the end of XX/XX/2019. Some months later we got a email saying we owned for the remaining of the lease and all fees associated. We were confused. I contacted the manager but did not get a reply. I emailed the manger about the matter and she replied she was not aware of the subletting or lease takeover. After I emailed her conversations about it she now said she was aware but we are still responsible for the balance. The management can not justify why they are taking such action in trying to make us pay what we are not responsible for. We professionally cleaned the unit and took video and pictures after moving out. We signed all subletting documents. The manger recently reported this debt to the credit bureaus. This indeed was false reporting. If this matter is not resolved in the next 30 days, Our next step is to take file charges against XXXX XXXX XXXX in small claims court and sending this case to the Federal Reserve
Product: Debt collection

I received a letter from Commonwealth dated XXXX XXXX, 2017 stating that I owed {$700.00}. I sent them a certified letter for debt verification with a bulleted list of validation points : What the money you say I owe is for 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 ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent In a letter dated XXXX/2017, they show diagnosis codes with no explanation, a CPT code and an amount. But, on page 2 it clearly states : Date Billed XX/XX/XXXX Amount billed XXXX Write Off Amount XXXX Deductible Amount XXXX Co Pay Amount XXXX Total Patient Due XXXX Prev Patient Pmts XXXX Cur Patient Due XXXX They have failed to verify the debt ; in fact sent me proof that there is n't one. There is nothing showing I agreed to pay. There is nothing showing how the amount was calculated ( no itemized fee ) or what it 's actually for ( diagnosis codes and a CPT code are meaningless ). No proof regarding their ability to collect is included either.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} 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 XXXX XXXX XXXX XXXX