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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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  ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Open : XX/XX/XXXX Balance $ XXXX Collection XXXX  XXXX ( Original Creditor : ) Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Collection Inquiry included in dispute : XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and DELETE from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Reference # XXXX Asset Amount : {$0.00}
Product: Prepaid card

Hi there. I have a prepaid American Express business gift card. It's worked fine until recently when it keeps getting declined from online stores ( I'm guessing due to increased fraud detection ). Now, I can't use my remaining balance on my gift card. What should I do?
Product: Credit reporting 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 removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXXXXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX Balanced {$990.00} XXXX XXXXXXXX XXXX Balanced {$830.00} XXXX XXXX XXXX XXXX XXXX Balanced {$2000.00} XXXX XXXX Balanced {$1200.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$820.00} XXXX XXXX XXXX XXXX Balanced {$960.00} XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX Balanced {$1200.00} XXXXXXXX XXXX XXXX Balanced {$630.00} XXXX XXXX XXXX Balanced {$890.00} XXXX  XXXX XXXX Balanced {$440.00} XXXX XXXX XXXX Balanced {$2400.00} XXXX  XXXX Balanced {$3200.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$870.00} XXXX XXXX Balanced {$350.00} XXXXXXXX XXXX  XXXX Balanced {$5700.00} XXXX XXXX XXXX XXXX Balanced {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX XXXX {$62.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$3400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent an opt out letter to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and NetCredit on XX/XX/2023 according to 16 cfr 313.7, 15 usc 6802 and 12 cfr 1016.7 and received zero response. I would like these removed from my credit profile permanently. Also a violation of the Privacy Act of 1974.
Product: Checking or savings account

an account was open in my name without my consent due to the fact i was a victim of fraud i was trying to get an place and i found out the people i gave my information and money to wasnt even the ones selling the property i was told i had to leave after paying so much money to them next i tried to pen an account for a bank and was told that i already had an account and it was closed due to low funds and overdraft fees and i stated i didnt open they told me that it was open by me which thats inpossible if i had know knowing of an account being open or i wouldnt try to open one they said acount was open XX/XX/XXXX and i have overdraft of XXXX to pay i let them know again today XXXX XXXX XXXX that i was a victim of fraud so they need to close it here is the case number submited today XXXX wells fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX tell XX/XX/XXXX My student loan from Navient Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed Navient Department School Loan and I have proof of the email as well, and also a email with a response back from Navient Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX year XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from Navient is showing Delinquent by 120 days. 

I then again had contacted Navient, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX   Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including XXXX, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.
Product: Debt collection

Gla Inc. Repeatedly calls my cell phone every day, at least five times per day. Gla is XXXX.
Product: Checking or savings account

XX/XX/year> - {$10.00} - {$30.00} XX/XX/year> - {$180.00} - {$6.00} XX/XX/year> - {$1.00} XX/XX/year> - {$120.00} - {$10.00} XX/XX/year> - {$10.00} - {$15.00} - {$15.00} XX/XX/year> - {$3.00} - {$7.00} - {$10.00} - {$30.00} - {$25.00} - {$75.00} XX/XX/year> - {$6.00} - {$10.00} - {$10.00} - {$50.00} - {$50.00} - {$25.00} - {$280.00} - {$220.00} XX/XX/year> - {$10.00} - {$10.00}. 
I recently discovered that my XXXX debit card was stolen by my ex boyfriend and he started using my card unauthorized. Ive called to file a dispute on these transactions and I was denied immediately.
Product: Checking or savings account

* XX/XX/XXXX : PNC Virtual Wallet with Performance Select Spend checking account was opened online from PNC bank website * This was done under promo terms where consumer could " Earn {$400.00} when you establish total qualifying direct deposit ( s ) of {$5000.00} or more to the Spend account. '' Of note, " to qualify for the reward, the new Virtual Wallet product must be opened online via the application links on this page between XX/XX/XXXX to XX/XX/XXXX, '' which I did successfully do ( see attached ) * XX/XX/XXXX : After noting that the promo reward was never provided ( " credited to the eligible account within 6090 days after all conditions have been met '' ), I reached out to PNC Bank via online chat in early XXXX to request a resolution * XX/XX/XXXX : per my XX/XX/XXXX statement dated XX/XX/XXXX, {$300.00} promo reward was deposited on XXXX ( " Cash Trans Promo Reward '' ) * XX/XX/XXXX : given it was only partial promo deposit, I reached out to PNC Bank via online chat again to request a correction with addition of remaining {$100.00} promo reward balance. Agent informed that they had no record of the promotion in question, and thus used that as justification for the {$300.00} amount ( which was never the actual promotion terms per attached documentation ). Agent also refused to accept any documentation that I was willing to provide.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASHAPP ( block.inc ) due to inadequate customer service & unfair practices ... I believe my Cash App account has been compromised, leading to unauthorized transactions that I did not initiate. I am requesting a full refund for the disputed amounts and immediate action to secure my account from further fraudulent activity
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted Experian in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Experian where the accounts were " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX XXXX XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay.

According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

Zero out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Product: Mortgage

Went through process of refinance with CitiMortgage. At the last moment, loan officer made a big error in my monthly payment she had estimated ( more than I had expected ). I went ahead with it and paid {$450.00} for appraisal. Appraiser was VERY rude spent no more than 15 min at my home and appraised it way under the county taxed amount and was unfair appraisal. Challenged appraisal with back up and proper comps from a licensed real estate agent and appraisal still stood. Was very close on the XXXX % equity ratio so Citi jabbed me on money to bring to table and extra closing costs. Felt like bank was in bed w appraiser. Just not right. I signed closing papers but backed out of deal w/in 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported. The aftermath of this has left me with unknown and unauthorized accounts reporting to my credit file. I've previously requested a Method of Verification and physical documentation for these accounts but never received anything. Again I'm demanding that these unauthorized accounts be removed and blocked from my credit file. 

1 ) XXXX  {$1100.00} 2 ) XXXX XXXX XXXX XXXX  {$420.00} 3 ) XXXX XXXX XXXX {$240.00} 4 ) US Dept of Education {$4300.00} 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$0.00} 7 ) US Dept of Education {$0.00} 8 ) XXXX XXXX XXXX XXXX {$21000.00} 9 ) XXXX XXXX XXXX
Product: Debt collection

Debt ( collection ) reported to XXXX XXXX XXXX by Ability Recovery Services , LLC. In the amount of {$1900.00}. Date of the debt ( collection ) XX/XX/XXXX. Date reported on my credit XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

For the past XXXX months I have been attempting to get the information I need to remove PMI from my loan. I have called and emailed many times and most of the time I can not even get to a live person to ask, but when I manage to outsmart their phone system and speak with someone I have been told that an appraiser will call me. No appraiser has called over the past XXXX months and they just keep telling me that someone will call but no one does. I have had to keep paying this monthly cost with no outlook on how to get this resolved. Their phone system sets up loops that keep you supplying information to verify who you are but don't actually take you to a live person unless you try many irrelevant options to get to a person. All I need is an amount of money that I need to pay in order to remove PMI but they are not providing it.
Product: Mortgage

During the COVID pandemic I lost my job and my mortgage provider SPS Mortgage offered me a 3 month forbearance and stated that I did not have to make payments during the approval process. I was assured by several representatives including XXXX XXXX that I would not receive any penalty during this time period and that no action would be taken against me or the property. Then on XX/XX/2021 without any warning they referred my mortgage for foreclosure and charged me a {$1000.00} attorney fee. When I confronted them about the issue they stated that " my investor denied the forbearance ''. 

I borrowed the money in order to bring my mortgage current and prevent foreclosure. I have been disputing the attorney charge ever since. My situation was finally escalated to a supervisor by the name of XXXX XXXX who pulled the prior recorded calls and confirmed that I was informed that no action was going to be taken against me or the property. Despite the bank 's error and admission of their error, they have never refunded me the attorney fee that was illegally and fraudulently charged against me. Misleading a consumer about mortgage fees is a violation of The Truth in Lending Act and I would like my fee credited toward my account.
Product: Checking or savings account

Today XXXX XXXXXX/XX/year> my company payroll deposit from XXXX XXXX XXXX XXXX XXXX has not been deposited to my account. I have heard that the company is experecing a system issue. This problem has cause a financial hardship on me and my family. The worst part about it, is not being able to speak to a representative. Also to make matters worst, XXXX is a holiday and the Bank will be closed. 

This Bank not only need to correct this immediately, but also accomodate me for the major inconvience. 

Needless to say that after this I will be looking into another Bank. 

Can you please assit me in resolving this matter. 


Sincerely
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts XXXX XXXX XXXX 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

Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : XXXX XXXX XXXX, XXXX. 
Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.
Product: Credit card or prepaid card

On XX/XX/2022 I received a notice as part of my billing statement on my Macys Department Store credit card. The notice indicated that the issuer identified on the card had merged into Citibank NA. The notice also stated that the annual percentage rate for purchases made after XX/XX/2022 would be 29.74 %. 

Such an interest rate is usury. 

I can not imagine any circumstances in which it should be legal for a bank to charge such a rate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX  XXXX {$200.00} XX/XX/XXXX XXXX XXXX  XXXX {$480.00} XX/XX/XXXX XXXX XXXX {$6900.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX  XXXX {$6900.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Im a victim of fraud someone Text me from chime support stating someone tried to make a purchase for {$280.00}. Ask if i authorized this and I responded No. They called me my account information last four didgitis of my Deb it card and my last four digits of my social are correct and I said yes. Then the man told me to open the chime app and to verify the cold he sent me through the app I verified the code, soon as I verified the code got off the app they told me they were going to send me new cards within 5-7 business days. When I checked my account they stole {$3700.00} out of my account sent the money to an email address that was made with my name and the amounts they took out of my account and hey sent money to a person I have no knowledge of. I called Chime told them what had happened and they denied my claim. I