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

Unauthorized Credit Inquiries Ive Called them and Just wrote them asking to remove these credit inquiries from my Experian Credit File
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHECKNGO/AXF XXXX Date Opened : XX/XX/2016 Balance : {$87.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a response from Equifax stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( See attached ). 

XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Credit reporting or other personal consumer reports

I originally reported the account- Barclays Bank Delaware ( amount {$4000.00} ) to the bureaus because I did not knowingly agree to Wyndham XXXX  putting a credit card in my name and charging it. XXXX removed the account, but XXXX and XXXX did not - due to the credit card company reporting as accurate. 

I contacted the credit card company on XXXX XXXX, 2024 and explained the situation. They closed the account and put it under investigation. I asked if I could receive something stating that the account was closed so that I can report to the credit bureaus. The rep told me I'd have to mail in a request for that, which didn't make any sense to me. I filed another dispute with XXXX and XXXX that the account was closed. The credit card company still reported the account as active. 

I called back on XXXX XXXX. 2024. They confirmed that the account was closed and stated that it would take XXXX  days to investigate. I asked why I needed to mail in a request for proof of account closure and/or investigation status. That rep to me I didn't need to mail anything. She confirmed my address and told me I'd receive something within XXXX business days. I did not. 

I called back XX/XX/year>2024 and they first said a letter did go out. After repeating that I never received anything- she said they don't have a way of resending. I told her that made no sense. She then placed me on hold and came back minutes later to say that a letter was actually sent out on XX/XX/XXXX. When asked why it wasn't sent out on XX/XX/XXXX - she stated that the address wasn't updated. I told her that I've spoken to Noone from XX/XX/XXXX - to XX/XX/XXXX - so what address did they send to? She refused to provide an address. She then said she needed to transfer me to security so that they can get the correct address from me ( despite them already sending me a bill previously ). She also mentioned that the investigation may take XXXX  days. I told her that I was first told XXXX - now she's saying XXXX. She said it takes up to XXXX billing cycles, not exceeding XXXX  days. XXXX billing cycle is XXXX  days - so nothing she said makes sense. 

She then transferred me to security, and I had to provide the address again. 

It seems as though I'm just being told misleading things. I haven't received anything regarding the investigation, and I don't understand why the company is still reporting the account as active to the bureau.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX  BALANCED {$1800.00} XXXX XXXXXXXX BALANCED {$11000.00} XXXXXXXX XXXX  XXXX XXXX BALANCED {$8200.00} XXXX XXXX BALANCED {$870.00} XXXX XXXXXXXX BALANCED {$6200.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block.INC. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a notice that XXXX sent a balance to collections. I contacted XXXX many times to tell them the balance was wrong and I paid over {$700.00} of what was the correct amount owed. They never would respond or fix the amount. The sent my balance to Diversified Adjustment Services And I got a notice dated XX/XX/23 at a wrong address that I havent lived at for over a year. I responded within the timeline luckily since I got the mail from someone on that old address. I mailed my response XX/XX/23 and letter said to call or write by XX/XX/23. I complied. They now have reported this on my credit report when I responded timely checking off the boxes saying this amount is not correct, send me proof of the debt and the collector, and that this was false. They violated laws and now have destroyed my credit when I complied. I will be filing lawsuits against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of a several accounts which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified these fraudulent accounts and have removed these accounts. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. You also are not allowing me to submit my disputes online after numerous requests. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

The following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX # XXXX 2. XXXX/XXXX XXXX # XXXX 3. XXXX XXXX XXXX/XXXX # XXXX 4. XXXX XXXX XXXX/XXXX # XXXX 5.XXXX XXXX XXXX/XXXX # XXXX 6. XXXX XXXX   XXXX/XXXX # XXXX 7. XXXX XXXX XXXX/XXXX  # XXXX 8. XXXX XXXX  XXXX/XXXX # XXXX 9.XXXX  XXXX  XXXX/XXXX # XXXX 10. XXXX XXXX   XXXX/XXXX # XXXX 11. XXXX XXXX XXXX/XXXX # XXXX 12. XXXX XXXX XXXX # XXXX 13. XXXX XXXX XXXX # XXXX 14. XXXX/XXXX # XXXX 15. XXXX  XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I was sue by XXXX XXXX XXXX for a credit card. The judgement was ruled in their favor, I contacted the company after I received my documentation from the judge to set up payments at what I could afford. The phone calls started XX/XX/XXXX - was informed they did not have the paperwork from the judge and to call back in two weeks. I attempted these phone calls again on XX/XX/XXXX and XX/XX/XXXX and was still told the same thing. I informed them that I would be going on maternity leave and would call back in XXXX to set the payments up. On XX/XX/XXXX, I called XXXX and learned they were charging me a 6 % interest that I was not aware of by anyone or have any type of documentations stating that I would be charged this interest. Contacted the judges office in which they stated the amount on my paperwork from them is what I am to pay back. I went back and fourth with this company from XX/XX/XXXX to XX/XX/XXXX in regards to the interest. They refused to allow me to speak to their legal time, told me I could e-mail them. I e-mail the address they provided and got an e-mail back this e-mail stated that I can not e-mail them because I am not apart of their approved group. I called XXXX again on XX/XX/XXXX to inform them of this e-mail and kept going back and fourth, spoke to manager by the name of XXXX XXXX to which she would not listen to anything I had to tell her, but said she would contact the legal department. On XX/XX/XXXX I spoke to XXXX again and she stated they are putting my account at the judgement amount. I told her I would like to set up payments that I can afford. She told me their polices were that I first would have to pay a down payment of 50 % and then they will do monthly payments. I first told her I wanted documentation stating that I was required to pay this, she said they did not have any. I told her I could not afford this and told her what I could afford with the possibility of paying more BUT I did not want to commit to a higher amount. She refused the amount I told her I could afford and kept telling me their policies and requirements are a down payment first. When I asked several times to see these policies and requirements, she just told me it is all internal and I said then how do I know you are even telling me the truth. I asked several times for paperwork and she refused to show me any of time of policies or requirements or even tell me where I could go to online. When I told her that I would just mail in what I can afford monthly, she informed me that they will post the amount towards my account but will probably sue me again for the judgement amount because they do not have an agreement for because she refused what I could afford at this time. I asked to speak to someone higher up then her and she said her Boss was not available and I could call back later to speak to him/her and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account.
Product: Debt collection

This is not my account. I have no knowledge of this account. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account was opened in my name I did not authorize this account. I have disputed this account with XXXX  and with XXXX with no help from neither
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; was found in my reports with Experian, XXXX and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Debt collection

I do not feel like i owe this, i have never received anything in the mail from them and was put on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my report that i did not authorize on my experian and they are as follows XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Bank of America yesterday, XX/XX/2023. It said that I had attempted to open a credit deposit account. And they declined the alleged action. Not only did I not send a request anything for Bank of America, I have not tried to, or opened any type of credit in the last four or five years. I have one credit card and thats all I need. 
XXXX said that the deposit account was monitored by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. They said there were key factors that adversely affected my deposit account score. I dont want a deposit account score I dont want a deposit account. I dont want another credit card. I called them at XXXX XXXX. I believe that number is fraudulent. They asked for my Social Security number. They then gave me a phone number to call the credit bureau at XXXX. I called that number three times. Each time it says that you have been selected for this special program or something like that. It is not a credit bureau. I Believe that this is a fraudulent attempt to obtain personal information and identity theft. 
This is a soft attempt of credit accounts. This needs to stop. No attempt at credit Or Any other type of personal information should ever be given. I really think of this Bank of America letter is fraudulent. 
I also called XXXX. After giving them all the information they requested, they said there was no one to help me and they hung up. This was the bot. Something is going on and I need to have it stopped. 
Bank of America or theyre fraudulent arm rest of my Social Security number. I gave it to you cause I thought they were a bank. Then when I called the early warning system, they also asked for my Social Security number. I think I have been breached. 
My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX, XXXX,, WA XXXX This credit score. It is a fraudulent attempt at theft of identity to gain access to all my private accounts. Bank, mtg, etc. 
The Bank of America address on the envelope says Bank of America, sales fulfillment, XXXX XXXX XXXX, XXXX, AZ, XXXX There is no address on the correspondence. My home phone number is XXXX, cell phone XXXXThere is no address on the correspondence. My home phone number is XXXX, cell phone XXXX. 
Please contact me at your earliest convenience. 

XXXX XXXX XXXX
Product: Checking or savings account

I have an XXXX account from a former employer. The service providing the account is either Alight or smart choice. The url is https : //smart-choice.wealthcareportal.com They charge the account {$3.00} PER MONTH. 

I'm looking for a way to transfer the balance to another service with hopefully a lower fee. 

This is not my first experience with this. My perception is that these XXXX accounts that you get through an employer are a major scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from Upgrade and they have conveniently not recorded any of my calls to them. 
o Dates of calls to Upgrade as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

Upgrade is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go?

Upgrade has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?
Product: Consumer Loan

I was charged interest ( {$19.00} ) by PayPal for my PayPal credit account, which I believe should not have been charged. On my PayPal online account, it states that the " amount to avoid Standard and Deferred Interest '' is {$240.00}. It did not state that credits/refunds paid back to my PayPal Credit account would not be counted towards this amount. The explanation provided next to the " amount to avoid Standard and Deferred Interest '' did not provide ANY NOTICE to a customer that refunds/credit back received to the account would not count towards this amount. Because I had several hundred dollars worth of refunds come back to my PayPal account, I did not believe I needed to make an additional payment towards the amount of {$240.00} ( in fact the total payments and refunds back to my account was {$520.00} ). I was then charged interest and upon calling PayPal was told that actually, refunds and credits do not count towards the {$240.00} amount. I said that there was no notice of this on my PayPal statement or in the explanatory box next to the {$240.00} amount ( pictures attached ). Had I known, I would have made the additional payment necessary to avoid interest. Most other bank credit cards take into account refunds/credits towards the interest payment. I said that now that I know of this policy, I will take that into account for my future payments, but I should not have been charged the interest this time. PayPal simply said this was my problem and they were n't willing to do anything for me. This is incredibly upsetting, not only because I have been a PayPal customer for a long time but because I believe a customer should not be charged this interest given this lack of fair notice.
Product: Debt collection

The Company, XXXX XXXX  never submitted this covered Claim to XXXX and to my XXXX XXXX XXXX XXXX XXXX XXXX Coverage. 

I have no idea for I talked it to the local office and received no local call about it. 

Not one call too from a XXXX XXXX XXXX XXXX too. 

I assumed that it was being covered by my Insurance Policies.