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

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit reportThe information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against you!
Product: Credit card or prepaid card

Trip ID : XXXX Capital One Venture On XX/XX/XXXX my family and I were to arrive in California and stay in the " XXXX XXXX XXXX  ''. I had started feeling XXXX  and because of the current outbreak with covid-19 felt it not safe to travel. I spent over 10+hours on hold with 5hrs.42mins of that happening on XX/XX/XXXX when the rep. contacted the hotel and asked if this reservation could be cancelled without penalty and was told yes. The rep. then got back on the phone with me and said that now this would go to there refund department and she would contact me in a few days when this was complete. I have heard nothing since from the travel department. I have reached out through social media and phone calls with zero luck. I don't have 10+ more hours to spend on hold to ask a question. I spent {$370.00} and XXXX points on this trip, I just want my refund.
Product: Money transfer, virtual currency, or money service

We were closing on a house XX/XX/XXXX. XXXX ( My Girlfriend ) received an email from the " title '' company saying we needed to wire the funds over before closing. Shortly after we wired the funds we got a call from our real title company confirming our appointment for today and at that point we confirmed the funds were sent over and they informed us they never asked for the funds. The email we received can be found in the police report along with the other emails from the title agency we received before this fraud email.
Product: Payday loan, title loan, personal loan, or advance loan

Loan for roof repair taken XX/XX/year> with XXXX and XXXX XXXX. 
Home Improvement Contract Price {$36000.00} Interest Rate/APR 11.99 % Monthly Payment {$400.00} ( XXXX ) Credit term XXXX years Finance chg is {$60000.00} with total paid {$96000.00} I am an elderly widow on a fixed income and am unable to obtain credit now and make my debts. I feel this is unfair, and I am a victim of predatory lending. I was unable to get other bids on the work and my roof was leaking.
Product: Payday loan, title loan, personal loan, or advance loan

I called in to request the total amount that I owed the company. I was told that they could not give me the total amount that I owe because I have a payment scheduled for XX/XX/XXXX. I also wanted to revoke the ACH payment authorization, but they said that I could not do that because of the scheduled payment on XX/XX/XXXX. 

It makes NO sense to me that the company can't tell me how much I owe them as of today, XX/XX/XXXX. 

I then sent an email to the customer service department and they too responded by saying that they could not give me the balance due.
Product: Student loan

I started a new loan with XXXX XXXX on XXXX XXXX. The agreed terms of the loan were $ XXXX for a 10 year period. 
XXXX XXXX XXXX XXXX XXXX increased my monthly payment to {$2000.00} without prior notice or explanation. They also adjusted my due date without my consent. 

Following is my email correspondence with them : " XXXX XXXX XXXX/XXXX/XXXX : I got a notification that the auto payment was increased to {$2000.00} from previous scheduled payment of {$2000.00}. Why was this changed? The interest rate has stayed the same at 4.25 %? An explanation would be helpful Thanks XXXX XXXX MOHELA 's Response : Hello, Thank you for contacting MOHELA. We apologize for any confusion. Due to the recent due date change for your loans ( s ) the monthly payment got adjusted to accommodate for any interest accrued. '' The change in due date was NOT authorized by me. I have asked them to reset payments to the original loan term of {$2000.00} for a 10 year fixed loan at 4.25 % Any help would be appreciated. 

Thank You XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had opened a new checking account with Bank of America in XXXX of XXXX. Upon opening the account, I was advised that I would receive a bonus of {$300.00} if I met the requirement of a total of {$4500.00} in direct deposits made to the account within the first 90 days of opening the account. I met the requirements and did not receive the promotion after approximately 60 days after meeting the requirements. I reached out to Bank of America 's customer service and was advised that they saw I met the requirements, and it would just take a little more time to receive the promotion. After about another 4 weeks I called back and was advised that I would receive the promotion, I would just need to wait more time. 

After several contacts with Bank of America, and ample time to receive the promotion, I contacted customer service on XXXX XXXX, XXXX. I was advised that I will not be receiving the {$300.00} promotion, regardless of being advised previously that I met all qualifications.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am contacting you regarding my the credit reporting bureaus XXXX, Transunion and XXXX regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX XXXX XXXX XXXX AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} XXXX XXXX XXXX ID THEFT # XXXX {$990.00} XXXX ID THEFT {$2600.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$930.00} # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXXXXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/202XXXX XXXX
Product: Debt collection

My credit report shows a collection from your agency. I was never notified of this collection. What's more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT. I have the right to request and receive validation of the debt. Therefore please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including he complete payment history on this account, so I can have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect in this alleged debt.

5 ) A copy of your state license, including license number.

Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was attempting to cash an out of town check for {$2900.00}. Teller recommended for me to cash out check and then do a cash deposit into my account to ensure check legitimacy. I did and 3 days later I grew funds from account. On XX/XX/XXXX, BOA automatically debited my account for the same amount although I deposited cash and followed tellers recommendations. I returned to bank and spoke with manager and customer service agents for over 2 hrs. Was told that there's nothing the bank could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters to XXXX, EQUIFAX XXXX XXXX for the following accounts appearing on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting or other personal consumer reports

i have been in XXXX XXXX for over 7 years during my time in XXXX XXXX someone has used my personal information to obtain goods and services using my personal information to obtain goods and services while i was in XXXX XXXX that being said i had expressed these concerns to the creditor and to all three credit reporting companies and they are refusing to remove the fraudulent accounts off my credit report due to identity theft, enclosed i have send over a notorized fraud affidavit ( ftc ), police report, ftc report, copy of my driver license, copy of my social security card, and two utility bills in my name showing that i my wife and children have been residing in this home for over 15 years, there are many fraudlant inquires and many fraudlant address, phone numbers, email address, etc etc. that do not belong to me but are attached to the fraudlant accounts that have been opened in my name fraudulently while being XXXX XXXX in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know XXXX experian and XXXX aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : Experian XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX twice : XXXX XXXX XXXX XX/XX/2022 : XXXX XXXX XXXX : XXXX XXXX twice : experian and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) has provided documentation that they were retracting negative information. They also provided a copy of the electronic submission to Transunion requesting the deletion of negative information. Transunion previously indicated 60 days to take action, but this is unacceptable due to the undue hardship this is causing. I'm seeking to have this corrected immediately. I have been negatively impacted for nearly a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reporting derogatory information on my Credit report. I do not have a capital one account, and I never applied for a Capital One account
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. Please see attached file for these items I am complaining. Inquiries that are in fact unknown/unauthorized and shall be DELETED IMMEDIATELY ARE LISTED BELOW : XXXX XXXX  - Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

XXXX XXXX, inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX / XXXX XXXX XXXX, inquiry date : XX/XX/year> XXXX XXXX, inquiry date : XX/XX/year> XXXX  XXXX, inquiry date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX internet service ... No XXXX XXXX. The old Accounts I had with XXXX XXXX at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX ( XXXX XXXX XXXX ) also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX PD in Texas for fraud and stolen items. Report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  and Transunion for them to give me information on the bankruptcy information that they have listed on my credit report for over a year. I have asked them to supply me with whom they have verified the information with and my request have went unanswered. I have talked to the courthouse and they have stated that they do not supply the credit bureaus with the information and that it should be removed.
Product: Debt collection

Hello! 

I have been attempting to get a dispute about a fraudulent debt collections notice resolved and removed from my credit report, as it is tarnishing my credit score and reputation. The " collections agency '' Zions Debt Holdings LLC claims that I have a {$460.00} " past due '' debt balance owed from an " account '' through a company called " XXXX. '' I have never had any financial interaction or otherwise with " XXXX, '' nor have I ever even heard of this company or know what they do or sell. This claim showed up in the mail a little over a month ago and the debt is supposedly from 2020. I have disputed the debt through XXXX, however, the dispute was simply updated, and not removed and deleted from my account. I have researched the company for which the collections agency is claiming that they purchased my " account '' from, and found many serious legal cases of fraudulent debt collections for which Zions Debt Holdings LLC has been sued for in the amount of millions of dollars. This is clearly happening to more people than just me, and has been an ongoing issue for a number of years now, as these legal cases were dated over a span of the last 5-8 years or so. Please tell me what steps I should be taking in order to rectify this fraudulent debt collections notice -- I am about to be a XXXX XXXX just entering the world and the workforce, and a damaged credit score is the last thing I need!
Product: Debt collection

XXXX XXXX / XXXX / {$700.00} / ( Original Creditor : )/ XXXX / {$150.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

In XX/XX/2009 I opened an XXXX XXXX card. This card was closed by their bank for non-useage several years ago. They sold my information to a new bank and this bank ( Barklays ) opened a new card in my name without my authorization. This has negatively impacted mine and my husband 's credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and XXXX. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with DYCK O'Neal. I tried disputing this with XXXX   again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. Dyck O'Neal is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. XXXX  refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.