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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX/DOFED XXXXXXXX Balance : {$3500.00} XXXX/DOFED XXXXXXXX Balance : {$6600.00} XXXXDOFED XXXXXXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

XXXX has not investigated my disputes correctly and was advised of multiple companies inaccurate reporting
Product: Checking or savings account

XXXX XXXX XXXX provider and Bank of America. I subscribed for a limited channel after 3 months the rent was increased for reason of more channels. I declined, telling them I do not need any more channels to watch. They continue charging me more so I CANCELLED the service in XXXX. In XXXX they charged me {$99.00} for unreturned equipment. I asked ( phone and tru E-mail ) them what kind of equipment. I took them a long time for the reply. They finally told me it was the XXXX. On XX/XX/XXXX I sent it back thru XXXX. and went to BOA office in XXXX XXXX, Ca. to dispute the charged of {$99.00}. On that day Financial Officer of BOA called XXXX  and told them the the XXXX was returned by XXXX  and gave all pertinent info including the tracking number. XXXX   agreed to reversed ( CREDIT ) the charged.XXXX promised the credit in 2 weeks. XXXX   still pursue to charged me {$99.00} for unreturned equipment that I returned in XX/XX/XXXX by XXXX. From XXXX XXXX XXXX I have called BOA ( 4 different times ) giving them info about the receipt from XXXX. I am very angry with BOA. We have 3 accounts and mortgage account with them and they are not helping me as customer, instead siding with XXXX. The charge of {$9900.00} for " unreturned equipment '' is unethical. I really need your help in resolving this UNETHICAL CHARGED. Thank you and I am grateful. XXXX XXXX
Product: Checking or savings account

I wrote a personal check to a XXXX XXXX XXXX XXXX XXXX XXXX for the company she worked fo. The amount was {$48000.00} on XXXX XXXX  by depositing in their XXXX XXXX account. Once it went through the banks system XXXX XXXX refused to honor the check I wrote the company. I have and will attached those documents. The reason being " irregular '' endorsement of mine and XXXX XXXX would not honor the check. and would be returned to the maker, which was me. The attached letter was sent to the company the check was written to. They in turn was very upset and sent me a copy of the letter XXXX XXXX refused to honor. The letter was dated XX/XX/. I was so discouraged I nearly had a breakdown. The Managers from XXXX XXXX and Citibank were not very helpful except ran an account report. One said from Citibank said he has seen this kind of letter and it was not worth the paper it was written on and the scammers do that all the time. I want my money returned to me as it has been so long. I have been waiting way to long without the bank ( s ) real assistance. My XXXX XXXX XXXX XXXX has been impacted by this terrible situation.
Product: Credit reporting or other personal consumer reports

I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding 7 credit inquiries listed on my Experian credit report that I do not recognize and did not authorize. these inquiries are either due to errors or potentially fraudulent activity. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX on XX/XX/year> I have no recollection of initiating or authorizing these inquiries, nor have I received any correspondence from these institutions regarding any application or account activity. As such, I believe these inquiries may be the result of mistaken identity, unauthorized activity, or a reporting error by Experian.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute inaccurate or incomplete information on my credit report, and I request that Experian promptly investigate and remove these unrecognized inquiries if they can not be substantiated. The FCRA also mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and I believe these inquiries are in violation of that provision. 
Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c ), I am requesting the removal of these inquiries if they are found to be unauthorized or fraudulent, as I have not given consent for these inquiries. 
I request that Experian conduct a thorough investigation into these inquiries and remove them from my credit report if they can not be verified as legitimate. I would also appreciate being notified of the progress and outcome of the investigation, as required by the FCRA. 

Thank you for your prompt attention to this matter
Product: Debt collection

National Enterprise Services is attempting to collect on a debt on behalf of XXXX XXXX  that was XXXX by the bank in 2021. I have spoken to a XXXX XXXX  representative at the XXXX XXXX location in XXXX and given assurance that this debt was resolved. 
I have attempted to dispute this debt via mail, phone, and by using the form on their website. However, my mail was not answered in a timely manner, their phone line constantly resets and I have been unsuccessful in getting a response, and their web form located at https : XXXX consistently returns an error when trying to submit. Therefore, I have not been able to contact this company to receive any information on this debt or to dispute it as is my right.
Product: Debt collection

Getting harrassing calls from all numbers from this company. When I block one they call from another.
Product: Money transfer, virtual currency, or money service

Moving family including selling existing home and buying new home. XX/XX/XXXX called USAA to get information before opening an account, and explained I would be selling my existing home and buying a new home. USAA said the account would be fully available without limits once opened. After confirmation, we opened account and on XX/XX/XXXX wired assets from home sale into account. On XX/XX/XXXX, we attempted to wire money to purchase new home and was informed there was a 30-day hold on new accounts and they could not wire to title company. After escalation, USAA stated they would waive the policy, took the transfer information and stated the wire would be sent that day or first thing on XX/XX/XXXX. XX/XX/XXXX, day of closing, wire never went through. There was no notification or alert or transaction log. Called USAA and they said the wire was cancelled due to the 30 day hold on account. USAA states they can not wire the money, and according to their deposit agreement, maintains sole discretion of allowing or disallowing any transfers services. Without physical locations, I could not access my assets within my account. They also explained they would not electronically transfer money nor issue a certified cashiers or tellers check. There is no written documentation within USAA website or deposit agreement that describes a 30 day aging period on new accounts for transfer services. They just reserve the right to disallow you from using those services for whatever reason they believe is just.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information Due to XXXX XXXX XXXX Dear XXXX , I am writing to formally dispute certain information on my credit report that I believe may be a result of the XXXX XXXX data XXXX. 

I have reviewed my credit report, and I am concerned that certain inaccuracies or fraudulent entries may have been made due to the exposure of my personal information in the breach. Specifically, I have identified the following : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these items and correct any inaccuracies that may have been caused by this breach. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to my dispute within 30 days. 

I also request a copy of my updated credit report once the dispute has been resolved. 

Please find enclosed copies of my supporting documentation ( e.g., government-issued ID, proof of address, previous credit reports, etc. ) to help with the investigation. If you require any additional information, please let me know. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 

This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Virginia medical privacy rules XXXX 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX  XXXX
Product: Credit card

on XX/XX/XXXX our credit card with Capital one was fraudulently charged by Merchant by name of XXXX XXXX XXXX XXXX XXXX in the amount of {$250.00} Repeatedly informed credit card co/Capital One that no receipt was furnished by Merchant & all attempts to communicate with Merchant remain un-responded. We just had a statement showing the charge by the merchant, & Capital one acknowledged receiving the statement. 

Now the credit card co wants to revert the charges endorsing the crime of wrongfully charging the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 card or prepaid card

I made an online purchase in XXXX on my Discover card for {$470.00}. Monthly I contacted the company, XXXX, to get updates on merchandise. In XXXX, XXXX stopped responding and the web site disappeared. My merchandise was never delivered. I alerted Discover by phone end of XXXX and sent the documentation I had on the XXXX of XXXX including my original order, all the correspondence I received and sent from the company as well as the fact that the company no longer had a web site and was no longer responding to emails. Discover did an " investigation '' and despite not talking to the merchant or having any evidence that my merchandise was delivered found the charge valid and will not refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal CR Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal CR Union the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, XXXX, Navy Federal CR Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal CR Union Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company
Product: Debt collection

I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* XXXX - the balance on report says $ XXXX** There also incomplete and inaccurate information pertaining to the open date with 2 listed from XX/XX/2014 to XX/XX/2014.
Product: Mortgage

In XXXX of XXXX they purchased our loan and we received our first statement on XX/XX/XXXX. 

Issue number XXXX ( XX/XX/XXXX- XX/XX/XXXX ) - Charging insurance to our account beginning XX/XX/XXXX. We have had full and complete coverage, but Newrez decided to add coverage to our property. They added charges accordingly. Notifications were sent to an old address, so we never received any notification. We are not sure how the addressed changed from when they took over the account to XXXX, but they reverted to an old address. Because of their incorrect address change, this went on like this for several months. We are autopay, so all we knew was that they were receiving our payments. By XXXX of XXXX they had finally called us and we immediately provided the necessary XXXX documentation and expected this to be resolved. They were using our mortgage payment to escrow for insurance and taxes that we did not owe. 

Issue number XXXX - ( XX/XX/XXXX- XXXX ) By XXXX they had indicated that our account was overdue and for us to avoid a credit impact, we were requested to pay additional funds while they were figuring this out. We decided to pay the additional money, even though we had never missed a payment and did not actually owe any money. But we did not want our credit affected from a mistake that NewRez had made. 

- XX/XX/XXXX - XXXX check was sent from NewRez for {$560.00} which was supposed to be a reversal of escrow and money we had overpaid. We deposited the check on XX/XX/XXXX. 

- XX/XX/XXXX- Newrez issued a 2nd check for {$560.00} which we never received, they put a stop payment on the check during XXXX and then charged us late fees and NSF fees associated with this. 

Issue number 3 - Address - XX/XX/XXXX - XX/XX/XXXX- the correct mailing address was used - it is a Texas address - XX/XX/XXXX - XXXX XXXX- the incorrect mailing address was used - it is a Florida address and is about XXXX XXXX XXXX. 
- XX/XX/XXXX - current - the correct mailing address is being used. This could not have been changed by us, we were out of the country for an extended time. 

We have had several calls and letters exchanged with the company and while the supervisors understand the issue, it remains unsolved. 

We need some help please! 

We were never late, We always had insurance, We never changed our address and we had to pay extra and it still is not resolved.
Product: Debt collection

This collection was previously disputed and removed from my credit reports. This debt is not owed and was put back on my credit without my knowledge.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.