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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, I don't understand how they usually say that these inquiries are mine, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

CONSUMER FINACIAL PROTECTION BUREAU URGENT. 

SUBJECT : STOP HSBC UNAUTHIRAZED TRANSFER MY BANK ACCOUNT TO XXXXXXXX XXXX HSBC Bank have agreement with XXXX XXXX  transaction and transfer my all accounts, direct SS deposit account, saving account ( XXXX ) checking. ( XXXX ) Creditcard ( XXXX ) final transfer on date XXXX. 
I did not have knowledge about until HSBC letter I received on XXXX XX/XX/2022, But Hsbc letter was dated XXXX XXXX .HSBC letter which I received on few days before transfer account XX/XX/XXXX. XXXX. 

HSBC did not inform before the agreement and I have not received any information regarding my Bank account transfer from HSBC and XXXX Bank. 
I can not witdrow or transfer-wired to other Banks on line internet banking. I have Hsbc Security device is block-disable. 
Du to PANDEM I can not travel.I need money to daily expenses. 

Hsbc still in business in USA and not close for business.But they sell my Privacy, name and my bank account to XXXXXXXX XXXX without my Permission and knowledge. 

BY law HSBC responsibility consumer banking stransactions with my SS direct deposit, saving, checking, debit and credit card accounts safe and secure in HSBC Bank. 
by law HSBC without knowledge transfer and unauthorized to sell my bank account to illegal business transactions with unethical bussiness profit. 
Stop my Bank account unauthorized and illegal transfer to XXXXXXXX XXXX. 

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

I was in the market to purchase a home so I got a copy of all 3 credit bureaus. 

My score is considered very good in the 760 range, however, someone or some company with ill intent has applied for multiple credit cards under my name unauthorized. 

This has harmed my credit standing and my score making it seem as though I'm seeking credit. 

I currently use about 8 % utilization and have well over $ XXXX in available credit. It would be senseless to apply for more credit despite having an exorbitant amount of low or XXXX percent interest at my disposal.
Product: Credit reporting

I disputed debt that is not mine with Equifax. It 's currently not being reported or has come back verified with any of the other XXXX credit reporting agencies. I 've asked Equifax to provide me with the verification that they are receiving from the company XXXX XXXX XXXX and they refuse to honor my request. 

they have replied by saying Equifax has reviewed the complaint and its records. We show that you have previously disputed the same items listed on this complaint and Equifax has verified the information three times within the past 90 days as being accurately reporting in accordance with the FCRA. XXXX XXXX XXXX account 2000 has been verified by the data furnisher with the same name and former address as reporting on the credit file. Equifax is unable to take further action on the items that you have listed on this complaint. 

I 'm asking that Equifax provide me with the former address that they are alleging is being verified by this company. So far this debt has been deleted from all CRA 's except Equifax who are now refusing to dispute this incorrect reporting on my file. 

I 'm including my id which has my address and has been for the past 10 years. I 'm also including a copy of my current credit file which shows my current and former addresses being reported. Please Equifax provide me the proof that this company is validating this account by also showing me the former address you are stating that is verifying
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.
Product: Credit reporting or other personal consumer reports

Im reaching out to ask for some updates to my personal information in your records. I want to make sure everything is current and correct for any future communications. 

Here are the changes : 1. Name : My name should be listed as XXXX XXXX XXXX. 
2. Employment : My correct employer is XXXX XXXX ( please remove XXXX XXXX from my records ). 
3. Address : My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Please remove any other previous addresses on file, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, IL XXXX. 

Ive attached copies of documents to confirm these updates. Please let me know when youve made the changes or if you need any additional information from me. 

Thanks for helping me get this sorted out. 

Best, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, XXXX. 

I recently received a message stating that it may no longer be possible to process payments on my account due to some restrictions related to PayPal 's service policy. I would like to understand the reason for this blockage, as I have already submitted all the requested documents. 

Could you kindly check and resolve this issue for me? 

I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

I am more than angry that an additional payment to my chase visa got arbitrarily split rather than where it was intended to go. I sat on the phone for 30 min XXXX with a rep who told me that in a very small window ( 3 days ) I could direct and make an extra payment to the highest balance. This did not happen. When I finally demanded to speak to a supervisor, XXXX XXXX, he had no idea why the amount was instead directed to two balances rather than the highest. He also had no idea how the amount of the split was calculated. He did n't know " what algorithm was used ''! Instead he kept saying that 's how Chase decides to do it. What kind of customer service is this?? Further, how is this transparent to the consumer?? How does Chase just decide what to do with my payments?!
Product: Debt collection

On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/2022, a letter was sent to me from XXXX XXXX  indicating that the bank had used a so called " credit score '' of XXXX from XXXX XXXX XXXX erroneously. XXXX XXXX XXXX, a subsidiary of XXXX, is NOT a credit reporting agency but a consumer reporting agency. Thus Ally Bank used a low score of XXXX from XXXX, XXXX XXXX XXXX XXXX of the factors leading to the denial of my loan request on XX/XX/2022. 
Ally Bank in black and white wrote, " Information about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision ''. etc. This is wrong! An injustice and misappropriation of a consumer report that has nothing to do with a credit report that determines the credit/spending/earning power of the applicant. Once again, it is merely a " consumer report '' with insurance information and residencies ; absolutely nothing about spending habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XXXX XX/XX/XXXX, I moved into my apartment at the XXXX XXXX XXXX XXXX in which I completed my lease as a paying tenant of every month. In XX/XX/XXXX, the complex filed a writs of assistance against me in which we were required to appear at the Municipal Court the morning of XXXX XX/XX/XXXX. Just for clarification purposes, I was never evicted or subject to eviction. After thorough investigation, all parties ( the complex, the judge and I ) reached an agreement in which is evident by the wet signatures of all parties involved o the original contract from that date. This agreement clearly states that due to me already vacating the premises, I owe nothing and am in debt to no one. Furthermore, I was specifically told that there should be nothing regarding this matter reporting to my credit. However, after recent speculation of my report, not only is the creditor reporting invalid and incorrect information in which had negatively affected my overall report, but I have not received any notification whatsoever regarding my right to dispute this inaccurate information. After attempts to dispute this inaccurate matter, it came back as validated and updated. The updated information was also incorrect and a further violation of my rights as a consumer. Below, I have included a list of violations I am encountering from both the creditor and credit reporting agencies along with the attached original document. 

In accordance to the Fair Credit Reporting Act Account # XXXX has violated the following rights : - 15 U.S.C 1681 Sec 602 in which states I have a right to privacy.

- 15 U.S.C 1681 Sec 604 in which states my written consent is required in order to furnish my report.

- 15 U.S.C 1692g Sec ( a ) - Validation of debts in which requires a debt collector to notify me of my right to dispute inaccurate information via written notice. Sec ( c ) - Admission of liability states that failure to validate the debt may not be construed as an admission of liability. Section ( d ) - Legal pleadings clarifies that communication in the form of a formal pleading civil action should not be treated as an initial form of communication. I have yet to received any notification or form of direct or indirect communication from anyone regarding this matter.

- 15 U.S. Code Sec 1681i - Procedure in case of disputed accuracy requires the credit reporting agency to conduct a thorough investigation before coming to a conclusion. Instead, the response I received was further inaccurate information that threatens my credit report even more than before. The original documents were not included, nor was any of the required subjects investigated or questioned in order to contribute to this fast decision. This proves the failure to follow proper dispute procedures.

- 15 U.S. Code Sec 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that a creditor can not knowingly supply incorrect information to a credit reporting agency.
Product: Debt collection

I contacted the company asking for the Letter of sale or assignment from the original creditor to their company. Agreement with your credit that grants them the authority to collect on this alleged debt. I did not receive the letter of sale or assignment letter. they only respond I received from them is a bill to collect this alleged debt.
Product: Credit reporting or other personal consumer reports

Account Details Account Name : Department of EducationXXXX Account Number : XXXX I would like to bring to your attention that this account is being reported seven times on my credit report, each with a different amount. This repetitive reporting is inaccurate and adversely affecting my creditworthiness. It is crucial to note that I have no association with this debt, and it is not my responsibility. 

Furthermore, I have observed that this inaccurate information is reflected across all three major credit bureaus - XXXX, XXXX, and Experian. This inconsistency only deepens my concern, as it implies a significant discrepancy in the reporting process. 

I kindly request that you take immediate action in accordance with the Fair Credit Reporting Act ( FCRA ) laws to rectify this issue. According to FCRA, it is incumbent upon credit reporting agencies to ensure the accuracy of the information they report. Section 611 ( a ) ( 1 ) ( A ) of the FCRA stipulates that ... if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation... 

The inaccuracies in this reporting not only tarnish my credit profile but also constitute defamation of my character. I implore you to promptly remove this erroneous information from my credit profile, as it is imperative to restore the accuracy and integrity of my credit report.

I am providing the following supporting documents for your reference : a picture showing seven different accounts on my credit profile which is inaccurate reporting I kindly request that you acknowledge receipt of this dispute in writing, along with a detailed outline of the actions taken to address this matter. Please be advised that I am keeping a meticulous record of this correspondence for my own reference. 

Thank you for your immediate attention to this matter. I trust that XXXX, XXXX, Experian will undertake the necessary steps to rectify this situation promptly and restore the integrity of my credit history.
Product: Credit card

Without fail, I've maintained timely payments on this account, diligently avoiding any instances of overdue payments. Nevertheless, I find myself puzzled by the appearance of late payment remarks associated with my accounts. It's worth noting, as per 15 USC 1666b - Billing Error, these discrepancies demand correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I had 2 credit cards with capital one. My first card was a secure credit card that I gave XXXX to open on XXXX then in XXXX they gave me a card without any money down. In XXXX I was out of town on business and I was stranded without any money so I had my girlfriend send money to my credit card because I done it once before I just had to wait for it to show up on my card and it automatically goes through at XXXX XXXX. I was at a hotel waiting to pay for a room and there was people trying to get my room if I didn't pay so I called capital one and explained my situation and right off I could tell that the guy I talked to seemed like he hated his job and I explained that I've done this before and he said he can see that the money was there but it wasn't released yet because it was XXXX minutes to XXXX and he did not care he was to busy talking to the guy next to him thats when I asked to speak to a supervisor so he put me on hold and then a guy answered and it was the same guy he was talking to the entire time. So I asked for his name and he said they don't give out there names. At this point I was done, I told him to cancel both my accounts and I hung up. I slept in my car that night and the next morning on my way home I called corporate office to talk about what had happened and I spoke to a guy that was truly a nice guy and I think he was a GM if my memory serves me right but anyway he said that he the guy the night before had canceled my card that I paid XXXX to open but not the other one and he talked me into keeping my other one plus he did something else that was pretty cool I just can't remember what it was. Anyway so I had only one card left and 2 years later I found out that the card that I canceled was 90 days late on payment so I called them back and wanted to know why 2 years later I was dealing with this when it should have been canceled and the XXXX I put up to get it I just let capital one keep it because I was at the limit anyway so just keep the XXXX and be Done with it. I remember the girl saying are you sure you want to do this and at the time seemed weird but I was like yes and she said okay and come to find out it was a charge off. Now it looks like 90 days late and a charge off and none of it makes sense at all. 

I apologize for writing so much its like I just relieved that moment. Sorry but please help. Thanks XXXX XXXX
Product: Vehicle loan or lease

I hope all is well. I purchase my vechle from a dealership working with credit acceptance XX/XX/XXXX. I choose to finance the vehicle through a consumer credit transaction. On my contract it says I can either buy the vehicle ( XXXX XXXX XXXX ), for cash or credit. It does not tell me that Iam rquired to do both. This statement also alings with 15 usc 1605 in the truth in lending it. 15 usc 1605 states the finance charge is the sum of all charges not comparable to a cash transaction. When I was at the dealership they told me a down payment was required and it was not optional. I felt pressursed to give a down payment of {$2000.00}. I consider this going agaisnt the contract because it clearly statres buy Upon reviewing the terms outlined in my contract, I observed that it states I have the option to either " buy the vehicle for cash or credit. '' It is crucial to note that the contract does not specify a mandatory requirement for both cash and credit transactions. This understanding aligns with the provisions of 15 USC 1605 in the Truth in Lending Act, which defines the finance charge as the sum of all charges not comparable to a cash transaction. 

During my visit to the dealership, I was informed that a down payment of {$2000.00} was mandatory and not optional. This information created a sense of pressure, leading me to provide the down payment under the assumption that it was a requisite part of the credit transaction. 

I would appreciate your prompt attention to this matter, as the requirement for a down payment contradicts the explicit terms outlined in the contract, which allows for the option of buying for cash or credit without mandating both. I kindly request clarification on the following : The necessity of the down payment in light of the contract 's terms. 
Confirmation of the contract 's intent regarding the optional nature of a down payment. 
I believe addressing these concerns will contribute to a transparent understanding of our contractual agreement and ensure that the transaction aligns with the principles outlined in the Truth in Lending Act. 

Thank you for your attention and cooperation. I look forward to a prompt resolution of this matter.for cash or credit, not buy for credit and pay cash for down payment or vice versa.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I learned that some of my personal information was used to open an account at Wayfair c/o Citibank. I did not open or authorize this account, and I requested that it be closed immediately and all information about this account removed from my credit files. 

The account has three charges dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the order shipping address as XXXX XXXX XXXX XXXX XXXX NJ, XXXX as shared with me per the Wayfair fraud Security Team. This is not an address associated with me. The Wayfair Security Team has deemed all three charges on this account as fraud and has refunded them to the credit card account. The remaining charges on the account are credit card fees only. 

I have been in communication with Citibank since XXXX. After repeated fraud claims made - unfortunately they continue to state the account is mine and they will not close the account nor remove the credit inquiry, account/ balance, and past due notifications from my credit report. 

Recently I have sought assistance from the Director of the Fraud Department of the Attorney Generals Office in the State of Maryland. He has directed me to submit this claim. 

Find attached the supporting documents to support my claim. Please let me know if you find you need any additional information as you review my complaint. 

1 ) Original letter from Citibank indicating their suspicion for fraud when the account was initially opened. 
2 ) Initial letter from Citibank stating their decision that the account was legitimate. 
3 ) Identity Theft Report # XXXX, Federal Trade Commission ( I submitted after I received direction from the Attorney Generals Office ) 4 ) Police Report # XXXX, XXXX County Police Department 5 ) New Citibank statement showing all charges refunded ( consistent with the conversation I had with Wayfair on XX/XX/XXXX who stated these refunds/ credits were due to the charges being deemed as fraud ) 6 ) My official letters sent to Citibank dated XX/XX/XXXX, XX/XX/XXXX ( resent because I was told the original address I had been given to mail to was incorrect and they did not receive the package despite USPS confirmation of receipt ), and XX/XX/XXXX ( adding the new info from Wayfair that they deem the charges fraudulent ) 7 ) Final letter from Citibank XXXX again closing the fraud case.