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

I am writing to inform you that on XX/XX/year>, I checked my credit report and discovered Four fraudulent inquiries that I do not recognize. These unauthorized inquiries are negatively impacting my credit score, and I believe they may be the result of identity theft. I have already taken the following steps : 1. Obtained copies of my credit reports from all three major credit bureaus 2. Identified and marked the four fraudulent inquiries 3. Prepared dispute letters to send to each credit reporting agency I am concerned about the potential for further fraudulent activity and the impact on my financial well-being. I would appreciate any guidance or assistance the CFPB can provide in resolving this issue and protecting my credit. Please find enclosed copies of my credit reports with the fraudulent inquiries highlighted. I am happy to provide any additional information you may require. Thank you for your attention to this matter.
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$490.00} done on my card by XXXX charged on XXXX/XXXX/2015. They contacted me by an unsolicited telemarketing phone call.XXXX is a " leads program '' where they call you up and act as " your coach '' to convince you to buy " leads '' of a list of people who are supposedly " targeted leads '' who wish to be part of an online work from home program ( though you do not know if there is actually a list of leads you purchased ). You supposedly get a commission for each person on the list you bought who joins the scam.I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Product: Credit card

I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after.
Product: Debt collection

This debt collector text at all hours of the day and night. 

This is an important notice from XXXX XXXX XXXX a debt collector. Dial XXXX or visit XXXX Reply HELP for info or STOP to end. 

Received this text at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on Equifax report from XXXX XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from Equifax, XXXX  XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.
Product: Credit reporting or other personal consumer reports

We sold our home a couple years ago and there is a XXXX balance. However XXXX credit beureus are still reporting it even though we have a XXXX  letter from the mortgage company showing the XXXX balance
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The following addresses SHOULD NOT be listed on my credit file. 

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

Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Opened an account with XXXX; received a transfer of {$3000.00} from my daughters XXXX  account ; linked my bank account directly to my XXXX  account; initiated a standard transfer of the full funds to my bank account; received an email from XXXX  requesting proof of identity in the form of a bank statement and picture of my drivers license ; provided all documents requested; received an email from XXXX  starting my account with them had been terminated due to concerns with activity and they were refusing to release my money for a period of 180 days at which point they may decide to allow it to be transferred ; no explanation was given regarding their alleged concerns ; there is no process for dispute or review ; they will not respond to any subsequent inquiries ; a phone call to the company provided no explanation or remedy.
Product: Credit card or prepaid card

Received a letter from Wal-Mart 's Capital One Master Card Stating Important Information About Your Account Dear Me Recently during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$4000.00}. It had been {$6000.00} and this company is punishing myself for always paying my balance off every month and for not making them money with charging me interest. I have for the past year every month received a XXXX SCORE of over 800 and feel this company is completely out of line reducing my credit limit for being a good consumer. I called them and ask why and it was stated that I did not use my card enough. So you feel I don't use my card enough and that gives you the right to punish/bully me? Sorry was what I was told. Wow that's a first for me. I am a home owner for 21 years now and all my bills are always paid on time/never late! I mean what has this country become when you do what's right and these bullies reduce your credit limit on a Capital One Wal-Mart credit Master Card? Little do they know I had planned on using it and spending a great sum of money online for this Black Friday XX/XX/XXXX but they chose to highly XXXX me off and won't see another XXXXl from me ever again. I will be sure to let all know that Capital One located in XXXX, NC XXXX are truthfully a bunch of bullies. I only had to use their card do to Wal-Mart changing their previous stores credit card being XXXX XXXX and that was a year ago. Funny thing is Capital One just sent me a Congratulations on one year with us! In my previous statement/bill that will be paid in full on XX/XX/XXXX and I get this letter from them two days later on my punishment's/reduction in my credit limit. So they really are a bunch of bullies and the world should know of their unethical business practices. Again they messed with the wrong consumer for I will be a thorn in their side till the day I die! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking XXXX, Experian and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX Consumer Financial Protection Bureau XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and unverifiable reporting by multiple creditors and credit bureaus, despite my repeated attempts to resolve these issues. The following negative items have been disputed multiple times, but have returned as " verified '' without proper proof of accuracy. 

Inaccurate Accounts XXXX XXXX ( Charge-Off ) Account Number : XXXX Balance : {$8500.00} Credit Limit : {$8000.00} The reported balance exceeds the credit limit. Inaccurate payment history and charge-off status were found on XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$19000.00} Discrepancies in last payment date and charge-off validation were noted on Equifax and XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : [ XXXX  Account Number ] Balance : {$2600.00} There are errors in delinquency and account status on XXXX and XXXX. 

XXXX XXXX XXXX ( Late Payments ) Account Number : [ XXXX XXXX XXXX  ] Multiple late payments reported inconsistently on XXXX. 

XXXX XXXX ( Collection ) Account Number : XXXX Balance : {$410.00} Remarks : Dispute unresolved but marked as Collection on all three bureaus. 

Excessive and Unauthorized Inquiries Repeated hard inquiries made without my consent. The dates and companies of the unauthorized inquiries are as follows : XXXX Card Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  Services Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX ( multiple inquiries ) Dates of Inquiries : XX/XX/XXXX, XX/XX/XXXX These inquiries have not been authorized and are negatively affecting my credit score. 

Despite my efforts to dispute these items directly with the credit bureaus, I have yet to receive satisfactory resolutions. I kindly ask the CFPB to intervene and ensure that these inaccurate and unverifiable items are investigated and removed. 

Relevant Consumer Laws Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must correct or delete inaccurate or unverifiable information.

Under 15 U.S.C. 1681s-2 ( b ), furnishers of information ( creditors ) must investigate disputes and provide proper verification.

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g, debt collectors must validate any debt if requested by the consumer.

Under 15 U.S.C. 1692e, misleading or harassing debt collection practices are prohibited. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ADMIN/DIV OF TAX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED # 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 have all 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: Checking or savings account

I made an appointment to open a business account. My appointment was approved. When I arrived the person helping me said right away, " We will not be able to open this today. '' I was confused. I asked " Why is that ''. He stated, " well my manager is not here to approve the account '' This was also due to my father needing to be added to the account. He is in another state. ( MS ) Nevertheless, he asked " Can I have your documents? '' I asked, " Which documents do you need? '' I wanted him to specifically ask for what was needed. I did not want to provide anything that was not necessary. He said " I will just take what you have ''. I hesitated but gave two documents : EIN number document and the Articles of Organization. He looked at the documents, seemed to look up a few things on the computer and then stated, " I will also need proof of the address for your business. Like a utility bill, lease, etc. '' I was confused. He then leaves the desk to speak to who he initially said was his manager but later said they were his co-worker. When he returns I tell him, " I do not have any of these documents. I did not know I would need them as it is not stated on your website that I would. '' He then continues to tell me over and over that this is required to open the business account. I asked, when did policy started. I previously opened a business account with Wells Fargo a few years ago with my husband. This was never asked. He said " It started in XXXX ''. After going back and forth I asked, " do you have this policy in writing anywhere? I've looked at your website and see no such policy. It does state, 'if the documents your provide inaccurately show your business ' address, additional documents may be requested '. Is there something that is inaccurate on the documents I have provided? '' He proceeds to tell me that he checks everything and I just printed this off the internet. I asked, what else should have been done to prove the formation of my business. He did not respond. He continues to say this is their policy but fails to produce anything to prove the policy. I asked when his manager would be returning. He said she will be out for the week. Safe to say I did not believe anything he had to say. I explained my confusion and said I have a feeling this is a subjective request based on his prejudices. Of course he disagreed but still could not produce proof of said policy. I asked, " so when others come to open a business bank account, do they automatically know what documents to provide? '' He said, " well I don't have a business but when others come they have all the documents needed. I don't know how everyone else thinks but they always have the things I am asking for. '' At this point I just want to leave. I left work as a teacher down the street early to make the appointment made the previous week to be met with discrimination and no business bank account.
Product: Checking or savings account

Citibank abruptly closed my checking account on XX/XX/XXXX. All they said was the reviewed my account and closed it. I never did anything wrong. I have been with them for more then XXXX years. Also have credit cards through them. I know they are allowed to close my account when they want to as they stated on the client manual. I have never done any fraud or money laundering of any sort. I want open a new account or reopen my old one but they are saying they don't want me. All their customer service people don't know the reason it was closed too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Final Request for Deletion of Inaccurate Charge-Off - Account- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was cancelled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law.

I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your prompt attention to
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account and credit inquiries from my credit report. I have been a victim of a data breach, resulting in fraudulent activity associated with my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these fraudulent items removed.

Fraudulent Account to Block and Delete : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

LVNV Funding Has frozen my personal bank account and removed money, claiming that I knew I was being sued. Which I did not! Also I had to go to the court to get copies of the suit and the return card from registered mail. ( which does not have my signature on it ) The frozen bank account has caused me to borrow from a friend just to get by, to say nothing of the bills that are now over due because I could not access my bank account.
Product: Checking or savings account

I opened an online account. I then tried to make an online profile but could not because the phone numbers linked to my account were wrong ( they were not the same ones I put on the application when I applied ). 

I called their customer service number ( XXXX ) and spoke with XXXX who said I did not have a deposit account. I told her they probably closed my account because there was no balance for more than 30 days, and I asked to speak to a supervisor. She put me on hold for more than XXXX minutes, so I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX