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

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. As stated in 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter. 

Please provide an updated copy of my credit report to the aforementioned address. According to the law, there should be no fee associated with this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months about the corrections made.

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Subject : Request for Payment Arrangement and Adjustment I am writing regarding the outstanding balances on my account. At this time, I am no longer seeking to dispute these items. Instead, I am requesting the following : 1. A reduction of the total debt amount by 15 %. 
2. A repayment period of 3-4 months to settle the adjusted balance in full.

I fully understand that once the balances are paid, these items will remain on my credit report as paid collections and will continue to appear for the standard reporting period of 5-7 years. 

Please note that I am currently unable to access my other account due to technical constraints, but I am committed to resolving these matters promptly. I have relinquished any rights to dispute the debts and kindly ask for your consideration regarding my request. 

Thank you for your time and understanding. I look forward to your response. 

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

The inquires remain on my credit report!!! 
Transunion and XXXX arent fixing my issue!!!!!! They both closed out my inquiry dispute and nothing was removed!!!!!!
Product: Checking or savings account

I went in to a Bank of America branch on XX/XX/2022 to open a personal checking account and was denied a new account despite being a long-term prior Bank of America customer and was given no real reason for the banks denial.
Product: Checking or savings account

On XX/XX/2021 someone walked into a branch and withdrew XXXX from my account. Now the institution decided to close my account without any reason and sent me close out check that is almost XXXX short
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto lease with XXXX XXXX XXXX XXXX XXXX. Due to Covid 19 Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, XXXX reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$650.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX {$840.00} XXXX XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

These inquiries are on authorized and I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The keep calling me several times a day. I explained to them that XXXX XXXX is over charging me for services I did not use. Both companies have put a hit on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED FOR CREDIT CARD FROM  XXXX   XXXX , RECEIVED LETTER DATED  XXXX   XXXX ,2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( TRANSUNION,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR 14 YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/NELN is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 ( XXXX ) accounts # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX Bank- ( XXXX ) accounts # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX-account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Debt collection

Portfolio Recovery added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account opened at XXXX XXXX and or XXXX XXXX  on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member with XXXX since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
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 XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


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: Checking or savings account

On XXXX XXXX, Truist authorized some fraudulent activity on my account. They allowed numerous unauthorized XXXX transactions to remove money from account. I want my money put back into my account
Product: Credit card

On XX/XX/year>, an unexpected {$10.00} " Transaction Fee '' was charged to my account. 

On XX/XX/year>, I called Chase to inquire about this fee. I was told the fee was for a " cash advance or money transfer '' that I had conducted through XXXX in the amount of {$100.00} sent to XXXX. I advised the representative that I never engaged in a money transfer ; the purchase was a goods and services transaction for a purchase from a website I was told that XXXX submitted the charge as a money transfer, so I would need to call them. 

On XX/XX/year>, I called XXXX to ask why the charge was submitted as a money transfer rather than goods and services. XXXX advised me that the charge was submitted correctly as goods and services and that the issue is on Chase 's end. 

On XX/XX/year>, I called Chase again. This time I was told that all charges from this particular vendor are entered as cash money order/money transfer. '' I advised the representative that I would like to contest the {$10.00} fee as I was not informed of this. If I had been informed, I would not have made the purchase. I was transferred to the Disputes Department. 

I advised the Disputes representative that I wanted to contest the {$10.00} transaction fee for reason stated above. She told me that she'd have to transfer me back to customer service for that. When I started to complain that I was being passed around, the representative told me that since I wasn't listening and was putting words into her mouth, she was ending the call. She hung up on me.
Product: Credit card

On this date, I 'm requesting a second review of my wife Bank of America/Credit Card account Dispute charges. 

The Account No : XXXXOn XXXX XXXX, 2015, my wife and I obtained a Life XXXX XXXX XXXX ( Membership Agreement ) at XXXX XXXX , XXXX XXXX . We were explained on the meeting with representative of company about the agreement, with XXXX XXXX XXXX XXXX that you can stay in any resort or XXXX Star Hotels in the United States. We only has to communicate via telephone to Customer Service and they will make ALL reservation for us. My wife did tested this membership agreement with XXXX XXXX XXXX XXXX XXXX because, we wanted to stay at the XXXX location in XXXX. On XXXX XXXX, 2015, my wife tried several time via telephone to make arrangement for a reservations to stay at a Hotel with the Family in XXXX. NO Live Person answered the via telephone at the Customer Service on the Business Card that was provided from the Sale Person : XXXX XXXX XXXX XXXX, for the Contract Agreement No : XXXX, it appears this sale agreement was done and signed under False Pretenses and the Timeshare presentations are filled with High Pressure sales Tactics, Misleading statement and downright lies. 

On XXXX XXXX, 2015, my wife communicated via a telephone with Bank of America Credit Card Customer Service to dispute this account. She communicated with the Bank of America Employee Id No : XXXX. 
The employee explains to my wife that, he will forward this dispute on reference to Credit Card Account charged to the Dispute Department to address this issue. My wife is still waiting for a final decision on this case. 

We appreciate your assist to address this issueXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cellular Phone
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

My vehicle was reposed in 2019 United auto credit contacted me and I set up a payment plan with them XXXX dollars biweekly when covid hit I was unemployed noticed them they asked if I had anyone who could still pay for me, they had no empathy for the pandemic they constantly called me emailed me, was threatening to garnish my wages they threw the derogatory mark on my credit report after I told them to give me a few months I will get back on the plan, they said they couldn't wait they needed payments monthly they caused my score to drop so low I wasn't able to get anything so not only was I unemployed but I was going through the pandemic and united auto credit was still harassing me and every now and then I still get calls while trying to do everything possible to rebuild my credit to get back on track, I have purchased XXXX cars since then but I would like that tooken off my credit can someone help me.
Product: Debt collection

My HOA, XXXX XXXX, who is currently managed by XXXX XXXX XXXX and represented by XXXX XXXX of XXXX  and XXXX  are attempting to collect years worth of discharged bankruptcy dues. They are further causing severe economic hardship, as they have stalled and are preventing me from selling my home, which I can not afford and was also included in the bankruptcy. My past due HOA dues were discharged in  chapter XXXX bankruptcy on XX/XX/XXXX, but the HOA continues to attempt to collect dues that were discharged for years XXXX through XXXX to this day. Despite the dues not being owed until late XXXX, they also referred my file for collections to an attorney. I have provided them notice of the chapter XXXX with the filing, once discharged, and again to their attorney directly on XX/XX/XXXX. The HOA now refuses to provide an updated balance statement removing the discharged dues, including through their attorney.
Product: Debt collection

AMERICAN MEDICAL COLLECTION AGENCY Date of Service : XX/XX/XXXX Total being Disputed : {$160.00} I have no idea where this debt came from. I have not been in the hospital in over 2 years now, the last time dating back to XX/XX/XXXX with the case of the XXXX and a follow-up with my doctor. I was never in a hospital last year at all so this is definetly a debt that does not belong to me.
Product: Checking or savings account

My bank account in not reflecting accurate information when it comes to the balance. I'm getting negative balances when the day before my account reflects a positive balance. On XX/XX/2022 my balance was {$37.00}. I deposited {$60.00} dollars XX/XX/2022 that evening which took my balance to {$100.00}. I made an transaction that night for {$70.00} which left Which left the balance at XXXX. I made an transaction on XX/XX/2022 for {$9.00} which left the account {$27.00}. I checked my account on XX/XX/2022 it was $ XXXX. I'm noticing that transactions are being posted and then removed and being posted at a later time. Which puts my account into a negative balance. This is my second complaint to the Financial Institution. I was not having this issue prior to now. I moved to this state in XXXX. I noticed in different cities in this state fraud and identity theft is higher Once I moved to this current city I started experiencing these issues. The Financial Institution said that they will handle everything for me and put an fraud alert on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud for since 2008. Im a XXXX XXXX XXXX XXXX. I served XXXX wars for my country. While XXXX my identity was stolen. Ive written XXXX, XXXX, and XXXX XXXX several times about fraudulent inquiries and fraudulent accounts. Ive disputed these items for years. They still appear on my credit file and its impacting me to be able to get a home and other credit. Please assist. 
The accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX, which are all paid in full even though theyre fraudulent accounts. XXXX XXXX which is a loan I never opened. And over 20 inquiries which theyre shouldnt be none. Please help me. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans union credit has been reporting my credit score as XXXX for more than a year, which I have file number complaints over the telephone in early and mid 2024. I have explained to trans union, that my report has 1. NO COLLECTIONS 2. NO LATE PAYMENTS 3. NO BANKRUPTCY and only 2 inquiries. My report shows that all of my accounts are paid on time and Never late on any accounts and some accounts are paid in full. XXXX and XXXX has the same information and has my score at XXXX and XXXX. Trans union has my score over XXXX points down as if I have derogatory reporting I do not have derogatory reporting on XXXX or XXXX and the scores reflects that. I have no other recourses but to file a complaint because that score has stop me from acquiring a new apartment and other credit cards approval.
Product: Money transfer, virtual currency, or money service

I received an email that my account was restricted on XX/XX/XXXX and that actions needed to be taken before i can gain access. I submitted the info they asked for which was my I.d., bank statements and a selfie. After send that info and reaching out to them for an answer multiple times I still havent received a non automated response and still cant access my funds.