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

Experian started a dispute without my permition it knowing of such contacted Experian they said that don't care in result of lose of good credit distorting my credit scoring is theft and fraud from within Experian
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I went to open a bank account with USAA Bank, and I was denied access. When I inquired about the reason I was denied, the bank teller told me I had committed fraud with a previous account, also because I have outstanding balances with other banks such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banks listed above never notified me that they were going to report this information to any consumer reporting agencies. and the information they reported was not accurate per the FCRA. I am a struggling Veteran who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy.
Product: Credit reporting or other personal consumer reports

well. I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.Please help me remove these fraud items immediately : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15USC 1681 section 602 states i have the right to privacy 15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the persistent existence of fraudulent items on my credit file not only undermines my financial credibility but also poses significant risks to my financial well-being and reputation. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in my records. 

I urge you to conduct a comprehensive review of my credit file and the procedures and systems used by your organization to manage credit information. 

Furthermore, I request that you prioritize the investigation and removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. This may involve verifying the accuracy of the information, initiating disputes with credit reporting agencies, and advocating on my behalf to rectify inaccuracies in my credit report. 

Additionally, I urge you to provide clear and timely communication regarding the steps being taken to address these concerns and provide me with regular updates on the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX SAVINGS XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is NOT MINES! Why are they putting thing on my credit tht dont belong to me? This is nuts! I dont know what else to do but contact you all. This is fraud!
Product: Credit card or prepaid card

They submitted my new card on the XXXX and it has been 11 days I have not received it my bills are due I need to pay them I have a title loan out and they have not sent me my new card what am I supposed to do I need my card
Product: Checking or savings account

On XX/XX/year> I was deposited a tax advance on Credit Karma online checking account. It was open for 24 hrs after the money deposited then they just closed my account and are holding my money for some reason. They said I got a paper in the mail in XXXX and I never received anything via email or mail. Now I can't get access to my money until they send me a check in who knows how long that will take. This is absolutely ridiculous and they need to be held accountable. I need that money, I have a family that I am supporting and now I have nothing until I get the check and even then I have nowhere to cash it.
Product: Debt collection

I have asked them to stop calling that I am paying what I can and when I can. They keep calling sometimes 2-3x/day and other once or twice/week.
Product: Debt collection

Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX accounts, some of my XXXX XXXX XXXX  XXXX, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. 

What is the issue?
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I tried to get along with XXXX and because there are so many inquiries on my report Im not able to get a loan to help fix my credit and this is part of the problem. I would like all of the inquiries removed off of my credit report, then boosting my credit from One place to another place. I am in the low XXXX and would love to be able to get to the XXXX and above, but all these inquiries are stopping me from being able to do
Product: Debt collection

I believe the account is invalid. CLIENT SERVICES, INC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 


CLIENT SERVICES , INC . 
XXXX XXXX : XXXXXXXX XXXX XXXX # : XXXX
Product: Checking or savings account

On XXXX XXXX, 2023 I deposited a cashiers check from a legitimate credit union into my Wells Fargo checking account. I had closed a XXXX XXXX with the credit union a few days earlier. The check amount was {$96000.00} and all of that amount was to be included in available balance the next day, which was a Friday, and I checked and it was indeed included in my available balance the next day. Confirming that, I proceeded to initiate a transfer of {$25000.00} to a money market account at XXXX Bank. HOWEVER, over the weekend, someone at Wells Fargo essentially removed the {$96000.00} from my available balance, without any notice to me, which led to an alarming email from Wells Fargo the following Monday morning ( today ) informing me that my balance was currently at - {$23000.00}, so I was hugely overdrawn because of the {$25000.00} transfer to XXXX. And I was unable to cancel that transfer request. I promptly went to a Wells Fargo branch and after a few hours got a call from the manager telling me that the money was back in my account, so I suppose all is well now, but this entire experience has shaken my confidence in our banking system. How can a bank simply remove a large portion of available balance like this without giving any notice to the consumer/customer?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX XXXX XXXX, XXXX incorrectly reported to Credit Reporting Agencies that our two mortgage accounts had missed payments and late payments. Our credit scores dumped about 60 - 70 points ( for myself and my husband ). The same thing happened in XXXX, XXXX, but they fixed it. They blamed it on their software. I contacted the XXXX Department of the Consumer Ombudsman, and XXXX XXXX said she would fix it, as she did the previous time. Then she pushed the issue of onto XXXX XXXX. He claims that Transunion and XXXX have not bothered to fix it despite XXXX sending updated information, and calling them. However, in XXXX, XXXX sent me a copy of an AUD Correction Indicator Form dated XX/XX/XXXX, that contained multiple zeros on the second loan listed ( our home ). 

This issue has been ongoing for 3 months and they have still not fixed the problem. They keep blaming it on Transunion and XXXX. However, the mistake was theirs to begin with. Therefore, I feel that it is their responsibility to fix it. On Friday, XX/XX/XXXX, I missed a call from XXXX XXXX. I called back an hour later. No answer. Left a message. On Monday, I called XXXX XXXX again but there was no message on the voicemail. I called XXXX XXXX, Team Lead, and told her I did not want XXXX XXXX to be our contact any longer because he did not fix the problem. I want XXXX XXXX to be our contact, as was the case previously. I then called XXXX XXXX, Supervisor in the Ombudsman 's office and left him a message saying that this issue is dragging on for way too long and that we want XXXX XXXX to be our contact, as before, not XXXX XXXX. I did not receive any phone call back despite leaving 3 messages today. ( I could not leave a message for XXXX XXXX due to the issue with his Voice Mail. ) XXXX is notorious for their poor customer service and have had many lawsuits filed against them, along with many limitations placed on them by government agencies due to their fraudulent and misleading business practices. I just want them to fix our credit scores!
Product: Credit card

I signed up for the new Chase Sapphire Reserved credit card with the sole purpose of utilizing their promotions. One of the promotions offered is : Receive up to {$300.00} in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card. My girlfriend booked a hotel on XX/XX/2016 using my card on XXXX without first talking to me for the amount of {$490.00}. The {$300.00} travel credit from Chase was applied automatically on XX/XX/2016. I did not agree with the booking and had the hotel booking refunded. I was refunded the {$490.00} on XX/XX/2016. I have been planning to book a new reservation that we could both agree on. I have been informed by a Chase credit card manager that the {$300.00} travel credit was a one time deal for the prior purchase of {$490.00} from XXXX. Chase is refusing to give me the {$300.00} travel credit towards anymore purchases for XX/XX/2016. This feels like a bait and switch situation. I was unable to use the {$300.00} travel credit from Chase because of a reimbursed hotel booking. I am sure I am not the only Chase customer who has found out the hard way that the {$300.00} travel credit is unavailable after changing their hotel or other travel plans. I have read the Chase Sapphire Reserve credit card offer details listed on their site. The offer details on the Chase Sapphire Reserve credit card does not mention anything about losing the {$300.00} travel credit if a customer has to change their booking. This is a bait and switch scheme Chase Credit Card is pulling on me. The whole situation is causing me economic stress and may cause a breakup with my girlfriend.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XX/XX/2020, CIS Credit Solutions at the request of XXXX XXXX, XXXX pulled my credit report without permission. After notifying them of an unauthorized hard inquiry, XXXX XXXX XXXX by email on XX/XX/XXXX, XXXX that " we'll handle the removals w the credit bureaus. '' As of today, that has not occurred.
Product: Mortgage

For the XXXX  time : We have requested these documents in writing via certified mail to XXXX XXXX, Chief Legal Counsel for Gold Star as of XXXX and confirmed Gold Star received this request. Gold Star has ignored our request. 

1. XXXX document used by Gold Star Mortgage Underwriting prior to disbursing funds and signed by Gold Star employee ( s ) as part of the settlement package to confirm for XXXX XXXX that the name of the party to be paid as seller was correct and that Gold Star was in agreement with Centennial to disburse loan funds to the party named on this document. Because Gold Star seems unable to lay their hands on this very problematic ( for them ) document, we have attached our copy of what that looks like. We want Gold Star 's copy.

2. Please provide Gold Star 's copy of the XXXX which was actually signed by the Gold Star employee who is responsible for approving fund disbursal. As loan origination date is XXXX, this indicates these funds were wired prior to close of business on XXXX so the copy signed by Gold Star ( XXXX XXXX, really though, right guys? ) authorizing the wire will be dated and/or time stamped prior to the one we have included for reference in this complaint. 

3. A copy of the sales contract with buyer and seller ORIGINAL signatures, which, per XXXX XXXX, was requested by Gold Star on XXXX, after Gold Star had already received our DocuSign sales contract dated XXXX and with the binding counter offer dated XXXX. To assist Gold StaXXXX in locating this document, please see the attached request from XXXX XXXX indicating that this original-signature sales contract is needed as apparently our e-signature sales contract wasn't good enough. The only entity which had the right or need to request this would be the lender.
Product: Debt collection

Sent XXXX  stating the owner of the auto debt was deceased and that the vehicle had been voluntary repossessed. Also stated that the address on letter was incorrect.
Product: Credit reporting or other personal consumer reports

I am

writing to dispute unauthorized inquiries on my credit report. These inquiries were made without my consent and are negatively impacting my credit score. Please investigate and remove these unauthorized inquiries from my credit report. Inquiry by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 assure you, I never authorized these inquiries. Their presence on my credit report is unjust and is making my already difficult situation even harder to bear. I am pleading with you to please remove them as soon as possible. My credit score has already taken a hit, and its affecting my life in ways I never imagined. 

This situation is causing me so much XXXX  and XXXX. Im afraid that if these inquiries are not removed, my creditworthiness will continue to suffer, and I wont be able to get back on my feet. Im simply asking for fairness and the chance to restore my credit to what it should rightfully be.
Product: Debt collection

Items below were originally disputed on XX/XX/XXXX and the items were successfully removed from XXXX Credit Report in XXXX of XXXX. The " debt '' below is from two separate medical visits. The medical facility in which this agency purchased their debt from has a history of bad management and accounting practices. I have provided copies of payments to the medical facility in question and histories from my insurance companies showing the XX/XX/XXXX claim was not submitted to the insurance companies ( XXXX XXXX XXXX ) for processing. After my XX/XX/XXXX visit, the XXXX, TX medical facility closed their doors permanently and their parent company filed for Bankruptcy. I was never contacted about the debt below, it just showed up on a credit report in XXXX of XXXX. 

Disputed items : {$13000.00} ( XXXX ) Paid {$79.00} on XX/XX/XXXX ( what was owed after insurance processed ) - see proof of payment {$17000.00} ( XX/XX/XXXX ) Medical facility never sent to insurance for processing nor did I ever receive XXXX bill from company as they closed their doors in XXXX of XXXX. 

Now the debt has been purchased by NRA. I disputed the {$17000.00} with NRA directly after receiving a debt collection letter and provided evidence that I was insured during the XX/XX/XXXX visit. This is now on my XXXX  and XXXX as collections. I have not been contact by NRA regarding the {$13000.00} but it has been reported to XXXX. Again, I have provided proof to the previous collection agency that insurance was processed for the XX/XX/XXXX visit and it was paid. I had two health insurance providers, I should not owe over {$30000.00}. 

I am willing to pay what I would have owed if my insurance had been processed for the XX/XX/XXXX visit and have provided proof of insurance to NRA. 

I have disputed both again with experian ( dispute denied ) and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information on my created report showing as delinquent, not enough available credit on revolving accounts, exe