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

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company used a tactic by putting derogatory information on my report without giving me an opportunity to address the debt. The debt is unfamiliar and I have never heard of this company or the company they are collecting for
Product: Checking or savings account

This letter is to inform you of my car rental experience over the past several months with your XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. And I am need of your assistance in getting this matter resolved as expeditiously as possible. 

I have rented your vehicles from XX/XX/year> through XX/XX/year> at various times. During this time, I incurred net charges of {$1600.00}. On XX/XX/year> I was charged in error in the amount of {$1300.00}, however this amount has not been reversed as of the date of this letter. Additionally, I am awaiting a refund in the amount of {$250.00} for a total remuneration of $ {$1600.00}. 

While I have taken proper measures to recover my funds, I have received countless conflicting accounts from your local store manager XXXX XXXX as well as from various members within your corporate office. 

I have been told on several occasions that the monies have been returned and the transaction has been reversed. This stands in direct opposition to all of the evidence from your internal records as well as my bank account with Wells Fargo Bank. 

Beyond the negative encounters I have had thus far, I have been charged overdraft fees by my banking institution as a result of your personnel erroneously charging my account and not replacing the funds. 

For your convenience, I have attached supporting documentation such as bank statements, XXXX ledger and a spreadsheet reflecting in simple form each transaction within the time period in question.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ) Block and Remove. Failure to validate said debt via 15 USC 1692G, failure to have permissible purpose via 15 USC 1681B. Violating and GROSS Abuse of consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. 
XXXX XXXX XXXX  Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$5300.00}, XXXX XXXX XXXX Balance : {$10000.00}
Product: Vehicle loan or lease

Ive agreed to pay the alleged debt so as a consumer should, I requested Carmax to fill out the paperwork I sent requesting the name, address, contact & signature of the creditor 3 times. Yet they refused to give me that information. Instead theyve decided to no longer protect my private personal information by selling it to third party venders influencing them to steal my vehicle, causing me to lose my job and my financial stability in the process which is a violation according to 15 USC 6802 ( b ). Theyve also made derogatory statements on my credit file which have denied me access to credit cards & employment to several different jobs all within the span of 3 months which is a violation under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. 15 USC 1662 states I wasnt supposed to put down any amount unless that amount was usually & customarily arranged so being swindled by the words how much are you willing to put down was not fair by any means. Aware of the fact that no form of cash what so ever should be put towards the finance charge I was totally unaware of the fact that my {$3000.00} wouldnt show up as a payment towards my vehicle if all other charges, fees & taxes are to be paid in the finance charge. As a Consumer I made sure my request where not inconspicuous or shady by any means while Carmax has violated my consumer rights by using tactics and information that I werent told or disclosed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made requests to have Transunion remove paid/closed old accounts - greater than 7 years old - from my credit file. 

Transunion did not remove the accounts. 

XXXX/XXXX  acct # XXXX XXXX/XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

If you look at complaint Id number XXXX, I filed a complaint on XX/XX/XXXX. The company that I was disputing the information on my credit report that I demanded to be removed ( Equifax ) responded back on XX/XX/XXXX. On XX/XX/XXXX they said that their investigation resulted in all of the accounts to be verified on my credit report. According to 15 U.S. Code 1681i " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' IF YOU DO THE MATH THAT IS XXXX  DAYS AFTER THEY RESPONDED TO MY COMPLAINT. EVEN IF YOU WERE TO INCLUDE THE XXXX EXTRA DAYS FOR AN EXTENSION IT IS STILL PAST THE THE TIME THEY NEEDED TO RESPOND TO MY COMPLAINT. BY LAW THEY MUST REMOVE THESE ACCOUNTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer file has an unauthorized inquiry that i received no benefit from, from Navy Federal Credit Union on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I was checking my credit report on XXXX XXXXXXXX XXXX and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, XXXX, and Transunion and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.
Product: Debt collection

capital one bank shows i owe them XXXX this account was paid in full inaccurate reporting
Product: Money transfer, virtual currency, or money service

Hello, PayPal recently closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Product: Credit reporting or other personal consumer reports

Please see supporting documents pertaining to the XXXX data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Last XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Experian Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX XXXX breach. I have included a copy of my Identity Theft Report ( XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under XXXX XXXX. XXXX for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXX Violations under XXXX XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Right to privacy ) Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Method of verification ) Thank you for your urgent attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Payday loan, title loan, or personal loan

Affirm was refunded money from XXXX  back on XX/XX/23. They allegedly tried to refund the money to my bank acct but claimed it failed ( um yea ok ). Then it took them 17 days to issue a check sent to a wrong address and now they are saying it will be another 2 weeks to reissue to my correct address.
Product: Checking or savings account

Hello today I made a deposit into a ATM inside the Bank of America branch located on XXXX XXXX XXXX, XXXX, ca and the teller had advised me to use the atm when I did the machine got stuck and took about {$4800.00} dollars from me and it did not register the money was stuck and now I have to wait 45 days and the claim might not be resolved. I really need the money to pay my rent and it is all I have at the moment. When the transaction got stuck the bank manager advised me that he atm was indeed faulty and it has been having issues but it is still in service. I am absolutely distraught and do not what to do to get my money back on time, the only credit I received was {$300.00} and that will not cover my bills.
Product: Debt collection

i made settlement on this, now they reporting I still owe. I was informed the settlement would be paid in full.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021 I transferred {$380.00} via mobile phone app from XXXX XXXX  account into my personal checking account with Chase Bank. I later discovered XXXX XXXX  flagged the account for fraud, notified the Chase Bank Fraud Department which later restricted access to the account. On XXXX XX/XX/2021 when I went inside the XXXX, WA branch on XXXX XXXX XXXX XXXX and presented my credentials to withdraw money, the banker confirmed the account restrictions. Later via telephone conversations, the banker stated the issues originated from my social security number. 
Later that evening, the Fraud Department from Chase Bank denied access to all accounts. The telephone customer service agents were neither forthcoming nor forthright with specific information regarding the circumstances about the account. No one from the Fraud Department was available to rectify the situation.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Collection 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
Product: Debt collection

I, XXXX XXXX, NATURAL PERSON, contacted Resurgent capital VIA TELEPHONE at XXXX at XXXX XXXX, XX/XX/2022. I spoke TO a YOUNG LADY NAME XXXX  AND A SENIOR CUSTOMER SERVICE REP. NAME XXXX. THEY STATED THAT THEY CANT DISCUSS ANYTHING WITH ME BECAUSE I PLACED A CEASE & DESIST ON THE ALLEGED ACCOUNT. THEY SAID AS OF XX/XX/2022, THE CEASE & DESIST WAS PLACE ON THE ALLEGED DEBT. THAT MEANS ALL COMMUNICATION HAS TO STOP EVEN ON MY COSUMER REPORT. ACCORDING TO 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. IN ADDITION TO THIS DEMAND PURSUANT TO15 USC 1681a ( d ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax XXXX XXXX is breaking the consumer law pertaining to XXXX  XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Product: Debt collection

This collection was placed on my credit report and my daughter by NATIONAL CREDIT SYSTEMS INC without notice. The collection does not belong to me or my daughter. It has harmed my and my daughters credit report. My score has dropped by 50 points on my XXXX credit report and XXXX dropped 22 points and XXXX  dropped by 14 points according to my FICO score. I reached out to this agency many times. I called one supervisor and he never called me back. I left him a voicemail. I called again and spoke to multiple people including a supervisor and she hung up on me ; when I questioned why she kept putting me on hold and answering other calls. She said other people were calling and I suggested she allow them to go to voice mail as happened to me before. She then got angry and eventually hung up on me repeatedly calling my name. I I asked them to do the research and please remove this from my account. I was in the process of attempting to purchase a home and secure housing for my daughter. I contacted the agency multiple times and they told me it was my responsibility to dispute with credit bureau. I think you should pull the tapes of the recorded conversations to demonstrate how rude and unhelpful this agency has been. They later sent a letter saying they investigated and the results remained the same. They also added a Louisiana address that I have never resided at.
Product: Debt or credit management

On XX/XX/2023, Bright Money made an unauthorized payment on my XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My card ending in XXXX was credited {$2000.00} and my other card ending in XXXX was credited {$990.00}. I discovered this happened on XX/XX/XXXX. I immediately tried to contact Bright Money via phone/ email to address these unauthorized payments-which was unsuccessful until Bright Money called me to let me know I had increased my credit line. The unauthorized payments were brought to their attention. Bright Money app is advertised as your super app for deleting any debt, with 92k reviews with 4.8 stars on the app store. I used Bright Money in XXXX of this year to help pay off credit card debt with a lower interest rate. The payments made on XX/XX/2023, were unauthorized! 
On XX/XX/XXXX I also contacted XXXX XXXX XXXX in desperation looking for help. At this time, I started to think I was scammed, and that Bright Money wouldnt contact me. On my call with XXXX, I was told that the payments couldnt be returned and that they would dispute them as an overpayment. When I received the letter from XXXX on XX/XX/XXXX, I understood it as a payment adjustment and didnt know that a check of {$2000.00} had been sent to Bright Money. 
Ive attached all my emails since XXXX with Bright Money. Not once did anyone tell me that they had received a check from XXXX. In fact, I was told that the only way to reverse this was to have Bright Money charge the amounts back to my cards. The charges were finally reversed on XX/XX/XXXX, after being declined 3 times. On one of my many calls with XXXX about these charges, I addressed my concern about the payment adjustment of {$2000.00} on card XXXX. I was told that fraud would catch it and adjust it once the chargeback from Bright Money went through. 
I called XXXX on XX/XX/2023, to address the payment adjustment of {$2000.00}. On this call I was told that a check was sent to Bright Money of {$2000.00}. As of XX/XX/2023, XXXX has declined my claims twice of this error and Bright Money sent me a refund of only {$670.00}. Bright money still owes me {$1400.00}.
Product: Debt collection

I didnt receive any letter of calls for a debt collection of {$200.00} from Eastern Revenue , Inc XXXX XXXX XXXX Pennsylvania XXXX I contacted them XX/XX/XXXX. I requested to validate debt owed, they stated its from XXXX XXXX XXXX my previous XXXXXXXX XXXX I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX for my degrees to be sent to me and they informed me of {$200.00} owed to bursar. I requested for validation on the phone but did not sign or begin payments in XXXX. In fact the university decided to restart the statute of limitations in XX/XX/XXXX. I did not receive any letter notice but my credit score dropped on XXXX XXXX and the {$200.00} was sent to collections. I did not agree to start payments but inquired because I wanted my degrees to be mailed to me and XXXX XXXX XXXX illegally restarted statute of limitations debt collection in XXXX, which I am aware is four years in Pennsylvania. I enrolled in XXXX XXXX XXXX in XXXX and graduated XXXX then the University restarted the statute of limits in XXXX.
Product: Mortgage

Flagstar Bank Escrow Issue Summary Flagstar Bank purchased my loan, and all associated obligations, from XXXX XXXXXXXX XXXX on XX/XX/XXXX. I was notified of this via a welcome packet sent from Flagstar on XX/XX/XXXX. Upon receipt of the welcome letter, I called Flagstar on XX/XX/XXXX to confirm that there were no actions I needed to take to ensure a smooth transition to the new lender. Both the welcome packet, and the customer service representative, indicated that there were no actions I needed to take to ensure a smooth transition, except to create an online account with Flagstar, which I did. 

My first payment to Flagstar was on XX/XX/XXXX. 

In XXXX of XXXX, I received notice from my Homeowner 's Insurance company that the next year 's premium was coming due on XX/XX/XXXX. The notification indicated that This Is Not A Bill, and that a copy was sent to my mortgage loan servicer. Given Flagstar 's repeated indication that there were no actions I needed to take, I then naturally, took no action. I was away for much of XXXX. Upon returning home on XX/XX/XXXX, I saw a final notice from my Homeowner 's Insurance company indicating that my bill had not been paid. It further indicated that failure to pay would result in termination of my insurance, and thus, a lapse in coverage. 

I contacted Flagstar Bank on XX/XX/XXXX, and was informed that though Flagstar had the name and contact info for my insurance company, Flagstar was unable to make payment on behalf until I gave them permission to do so. This was contrary to what I was instructed previously. I gave Flagstar the needed permissions and they mailed a check, which would arrive XXXX days after the due date. They indicated an inability to wire or courier the funds to meet the obligations they purchased from XXXX XXXX XXXX To prevent a lapse in coverage, my insurance company thus required a deposit on a credit card, from me that day, to cover the account until they received the check from Flagstar. I had no choice, so I paid on my credit card, and then received a reimbursement.

The following week, I requested an Escrow Waiver from Flagstar. On XX/XX/XXXX, I was granted an escrow waiver, but was informed of a large fee of over {$600.00} to move forward with the request. I have continually informed Flagstar that I am unable to accommodate payment of a fee to ensure that my bills are paid properly and on time. This is natural given the danger Flagstar nearly put me in, had I not been proactive. Flagstar, while admitting on XX/XX/XXXX that they are not legally required to levy the fee, insist upon it. Representatives have insisted that there is no way to remove it. 

Flagstar Bank is a company I never chose to be in business with. I refuse to be penalized for ensuring the security of my home and family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX VA. XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/2023 I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : NOWCOM/WESTLAKE FINANC Inquiry Date:XXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX