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

XXXX : XXXX XX/XX/year> XXXX, XXXX, and XXXX Subject XXXX Dispute of Negative Items on Credit Report Dear Experian, XXXX, and XXXX I am writing to formally dispute the multiple negative items listed on my credit report, as provided by your agencies. I request a thorough investigation of these items, as I believe they are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

The negative items I wish to dispute are as follows : XXXX. XXXX XXXX ( XXXX, XXXX, Experian ) XXXX. XXXX Bank XXXX XXXX, Experian ) XXXX. XXXX XXXX ( XXXX, Experian ) XXXX. XXXX XXXX ( XXXX, Experian ) XXXX. XXXX XXXX Bank XXXX XXXX, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX, Experian ) XXXX. XXXX XXXX Bank XXXX XXXX, Experian ) XXXX. XXXX XXXX ( XXXX, Experian ) XXXX. ALL INQUIRIES NOT TIED TO AN ACTIVE ACCOUNT. 

These negative entries are related to adhesion contracts, which I believe are inherently unfair and may not represent a true reflection of my creditworthiness. I am requesting that you provide validation of these debts, including the original creditor information and any signed agreements.

Additionally, I have concerns regarding the involvement of your agencies in practices that may be construed as peonage. Peonage is an illegal system of involuntary servitude and is punishable under federal law. Should I find that these negative items are not only inaccurate but also tied to predatory practices, I will take further action to protect my rights.

Please investigate these matters and inform me of the results at your earliest convenience. I appreciate your attention to this issue, and I expect a response within the XXXX timeframe as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed. USDDEPTOFEDXXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are not belong to me. I do not know why are they on my credit report. I have never had a business with these company. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received this XXXX XXXX XXXX of debt in 2015 to claim on my taxes. I got it after I filed my taxes. I ended up ammending them and claiming them on my taxes. I had to pay taxes on them so I have contacted Discover multiple times by phone and disputing on my credit report. They always come back with the information is accurate and will keep showing it on my credit report the way it is. I went and got credit counseling and they said what Discover is doing is illegal. They are showing a revolving balance and they charged it off and I claimed it as income. This has been an ongoing process for two years. I want it to show properly and not show a balance. This needs to be taken care of I will submit my proof along with this.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$26000.00} XX/XX/year> My information may have been impacted by the Equifax Data Breach and XXXX XXXX XXXX may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 davs before the nament due Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Student loan

After multiple complaints, mohela finally explained why my XXXX held private signature loans don't qualify for refund under the XXXX lawsuit, but they failed to give me an update on all the other subsidized XXXX  XXXX XXXX  that they are now servicing, the status of my past payments refund, or why my account has been blank for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was refinancing and told my credit rating was lower than I thought. I requested the free credit report from Experian I believe. Of the many entries on my report there was one that stated severe delinquency. I asked about it and was told it was for missing one month  payment on a Parent Plus loan for my son. 
I just looked at my credit score with XXXX XXXX and it showed my credit score declining by 10 points in one month. The reason : severe delinquency. 
I think this is a crime to miss one payment on a student loan from 3 or 4 years ago and the credit agency is allowed to report that as a severe delinquency, especially after just paying off a number of credit cards, refinancing our mortgage and an increase in salary.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these unauthorized and fraudulent inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding these unauthorized and fraudulent inquiries that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Product: Checking or savings account

On XX/XX/year>, I opened a checking account with US Bank in response to a promotion promising a {$500.00} reward after meeting a direct deposit requirement. I met the direct deposit requirement but have not received the promised reward. 

In response to my previous complaint, US Bank stated that my account 's promotion code is XXXX, valid only from XX/XX/year> to XX/XX/year>. They also indicated that accounts opened on XX/XX/year>, should have used the code XXXX to qualify for the reward. I have XXXX concerns that need addressing : Lack of Transparency and Verification : I have no means to verify which promo code was used when I opened my account. I request that US Bank provide a clear and accessible method for customers to verify their promotional code at the time of account opening. 

Responsibility for Expired Code Use : If, as US Bank suggests, my account was opened with the XXXX code despite being expired, it raises a significant concern about the banks operational oversight. Why was an account allowed to be opened with an expired code on XX/XX/year>? This oversight implies negligence on US Banks part, misleading customers into believing they qualified for the promotion. 

Given that I fulfilled all direct deposit requirements, I request that US Bank honor the {$500.00} reward as promised. Allowing an expired promotion code to be used is a clear failure of their internal controls and customer service obligations, and it is unfair for customers to be penalized for the bank 's errors. 

I look forward to your prompt resolution of this matter and to receiving the reward as initially promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint XXXX that was submitted XX/XX/XXXX. The company 's only response was that some of the inquiries reported were not on my credit report- the only 2 inquiries that aren't there are XXXX XXXX and XXXX XXXX XXXX XXXX They failed to address the other inquiries in question. I received a notification on Experian saying that my dispute results were ready and that I had to call in to get the results. I called Experian and they stated that there were no items in the dispute report number that I gave them. For your reference the report number is XXXX and I will include an attachment of the report number as well. I am aware that all calls are recorded so the time stamp in which I called Experian is XX/XX/XXXX at XXXX. This is for your reference as well so that you can indeed fact check what the representative told me because at this point, I am now filing a complaint with the XXXX. I also filed a complaint with the FTC and I will attach that report. CFPB should make sure that companies are held accountable, and it seems as if this hasn't been the case. I am asking for all of the inquires listed in the letter be removed immediately. How are you reporting unauthorized inquiries against my will? How can a creditor pull my report without my knowledge. I was also involved in a data breach so how are you determining that these are my inquiries if I am saying otherwise? I will attach the letter along with the other documents I stated. If this is not handled in a timely manner, I will be seeking litigation. I will be asking to be compensated {$1000.00} per violation in which I have this right per FCRA. Please refer to the letter I sent informing you of the inaccurate inquiries.
Product: Money transfer, virtual currency, or money service

XXXX XXXX ago the paypal sent the attached email and limited my PayPal account. I'm XXXX XXXX XXXX and I have my passport, learner permit and foreign driver license to prove that. Yesterday I called PayPal 's customer service, on the call he said the limit will be left, but until today I did not see anything change.
Product: Checking or savings account

Last summer, in XXXX, Bank of America opened an account under my name. I was able to resolve the issue, and freeze my credit. My credit has been frozen since, which I verified today, Friday XX/XX/XXXX. 

Yesterday, they opened a fraudulent account in my name. 

Thursday, XX/XX/XXXX I received two emails from Bank of America : one titled " Online Application is in Progress '', for a Bank of America XXXX XXXX Banking Account ( which is a checking account ). 

The second email I received was titled " Your application was approved '', and the body reads " Your new account is open Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : '' This should not be possible because my credit is frozen.
Product: Debt collection

GC Services has violated FDCPA 809 ( A ) giving me notification of a debt on credit report I talked to XXXX from XXXX TX on XX/XX/2019 at XXXX where the collection agency is reported on my credit report but had to transfer me to XXXX where I talked to XXXX XXXX They verified 2 wrong addresses on my account. 
They never called, emailed, or sent any notifications to my address informing of any collection. I also have no contract with GC Services Under the Protection of consumer financial services chapter 392.202 ( C ) The third party debt collector admits the information is inaccurate and shall immediately cease collection efforts related to the portion of debt
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE XXXX
Product: Checking or savings account

I have been a banking member with Capital One for two years ; approximately. 

As of Wednesday, XX/XX/XXXX I did not receive my paycheck deposit. With two days past and a three day weekend steadily approaching, capital one is now experiencing technical difficulties with their website stating " techniql difficulties '' and it was a third-party vendor who would have it corrected friday morning, its now friday night. I still have not received my money they still can not tell me what is going on. 

since weds they website says to check the status and every day the status was operational, on all parts. 

also, when I brought up the fact that Capital one is going to benefit by being able to collect interest on a credit card I have with them, based on the fact that they have my money and I'm unable to utilize it to pay them before the interest occured, something i would have been able to do had my deposit came in time. 


after I requested my situation be escalated to someone with higher authority, no other information was provided and no relief was offered outside of the womans constant apologies for the impact capital ones had on my life & offering to assist me with setting up over draft protection to withdrawal money from an ATM. 

after vehemently declining the offer, I gave the explanation that- Even with weekly deposits of {$1200.00} ; Capital one has never approved an overdraft that they advertise being free and available to all Bank members.

When asked what the qualifying factors to determine whether someone is allowed to take advantage of their free overdraft protection ; capital ones representatives can not provide details of the qualifying factors nor can they direct me to a website, policy, or department who would have this information. 


THIS IS THEFT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These bank mistakenly check my credit
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We had a payment due on the XX/XX/XXXX. we are always late and understand that, however, the calls started on XX/XX/XXXX, and it is now XX/XX/XXXX. my wife and i both have received almost 80 calls put together in that short time period. on average, that equates to a call just about every hour 10 times a day. we are not trying to dodge the debt, and the amount of these calls is absolutely unnecessary. example, on XX/XX/XXXX there were six calls to my wife 's phone between XXXX XXXX and XXXX XXXX. total number of calls that day alone was 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Equifax four different times, I sent letters also sent faxes to the number XXXX as they told me too. I also explain to them, That I am a victim of identity theft, They keep on brushing me off, basically explaining to me that they can not do nothing for me. They definitely receive the letters. This is the letter that I sent to them. They still want do nothing about it. 


My full name is XXXXXXXX XXXX XXXXXXXX XXXX Fraud Alert # XXXX My last 4 of my social is XXXX My current address is XXXX XXXX XXXX XXXX  # XXXX XXXX, California XXXX I currently work for XXXX XXXX this is How it should look on my credit report. 

Dear Equifax, This is my second time reaching out to you. I already sent you police report and ftc report number, proof of address, Plus fraud alert number XXXX. 
It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for the inquiries that I listed below with dates are fraud, Do to identify theft, Im a victim of identity theft I never gave my consent for all inquiries listed below that was made. Please met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, Can you please remove them from my credit report or rescind the errant notation immediately. Sincerely, XXXX XXXX Im a victim of identity theft my information up top on this page is how it should look on my credit report. Can you fix my credit report please. 
These are The inquiries that are fraudulent. I label them from one through 4 below I did not give my consent for these four inquiries that was made on my credit report. Do to the Fair Consumer Report Credit Act. The inquiries below are fraudulent do to Identify theft. Can you please remove them from my credit report immediately .Thank you. 

Sincerely, XXXX XXXX XXXX ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry.Its do to identity theft, Can you please remove it from my credit report immediately.Thank you.

2 ) XXXX XXXX XXXXThe date of this inquiry is XX/XX/XXXX Its fraud I did not give my consent for this inquiry, Its do to identity theft. Can you please remove it from my credit report immediately. Thank you. 

3 ) XXXX XXXX XXXXXXXX. The date of inquiry is XX/XX/XXXX. Its fraud, I did not give my consent for this inquiry, Its do to identify theft can you please remove it from my credit report immediately.Thank you. 

4 ) XXXX XXXX, XXXX. The date of this inquiry is XX/XX/XXXX, Its fraud, I did not give my consent for this inquiry. Its do to identity theft can you please remove it from my credit report Immediately. Thank you Sincerely, XXXX XXXX XX/XX/XXXX