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

I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things like my student loan being listed without my consent. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed not to 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. 

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

I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To whom this may concern, I am writing to request the removal of unauthorized hard credit inquiries that appear on my equifax credit report XXXX I recently retrieved my credit report and it is showing unauthorized hard credit inquiries that I have no knowledge of ever authorizing. Therefore these inquiries are reporting fraudulently and it is illegal to report inaccuracies to a consumer credit report. I am writing to dispute the following inquiries and asking for their removal from my credit report. I am aware of my rights under section 605b that this INFORMATION MUST be removed from my credit report effective immediately after providing the necessary information attached to this letter. Under 1681 15 USC I have the right to privacy, my credit report must ONLY SHOW TRUE AND ACCURATE INFORMATION. Thank you. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Attached you will find a copy of my id and social security card for verification along with a filed FTC report on behalf of the unauthorized fraudulent inquiries. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 in
accurate.
Product: Credit card

SYNCB did an unauthorized credit inquiry with XXXX on XXXX/XXXX/2015. I called SYNCB to dispute the unauthorized inquiry twice and ask both times to have it removed from my XXXX Credit Report. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer. SYNCB stated they could not find no records of an application and that they could not remove nor send me a letter to have it removed. I also called Transunion twice to dispute the error of the unauthorized inquiry as they stated they can not remove it without a letter of error from SYNCB
Product: Debt collection

Calvary Portfolio Services purchased a debt that was already in constant dispute from XXXX XXXX due to the owner on the account using my info as cosigner. The balance reported from XXXX XXXX was over 12,000 dollars. I knew I never owed this balance, I have asked XXXX XXXX for verification of this debt multiple times. I have never recieved verification it was then sold to Calvary Portofolio who then placed the balance as XXXX. I disputed online and asked multiple times in XXXX XXXX, XXXX XXXX ( BOTH online and letter ) Mid XXXX, I recieved a letter telling me they could not verify what I was asking for and they need more details so I sent another letter requesting debt validation. In my letter ( s ) and disputes I asked for supporting documentation that verifies this debt including the signed contract that includes my name and info. However, it is XXXX I have still not recieved and validation although they have reported validated to the credit bureaus but it because the remarks that were on the account and the ACTUAL validation has yet to occur from any party. I HAVE BEEN DEALING WITH THIS SINCE XXXX XXXX altogether.
Product: Money transfer, virtual currency, or money service

Attempted to set up my Capital One account for use on XXXX for purchase of crypto currency, but they blocked account from enabling external applications.
Product: Bank account or service

Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.
Product: Credit card

I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above, I was instructed to communicate solely via a XXXX  channel business communication system and no longer phone or text. After several communications over a month to six weeks, their was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely anxious and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next two months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, I told him in response that I was not interested in pursuing this further and desired my money returned to me. Since that time I have called, texted, written letters and communicated via the XXXX channel more times than I can count, to no avail. One of the selling points in all of this was low or zero % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam or a very poor operation which has left me debt ridden and from which I never received any benefit whatsoever from. As part of the total charge above I was charged {$10000.00} to my Digital Federal credit card. I have called, written and talked to in person to the Fraud dept. and re-appealed all to no avail. They seem to have no sympathy, They say I was beyond a 60 day window for requesting reversal but had no choice as I tried to negotiate with the " merchant. '' Clearly I was scammed...
Product: Mortgage

On XX/XX/XXXX my wife and I closed on a refinance mortgage on my primary residence. After returning home we noticed that the paperwork we signed had two different set of terms, two different amounts borrowed and two different interest rates. 
I contacted the closing agent and pointed out the discrepancies. The closing agent stated I would have to contact the original lender XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter along with the 3 day right to cancel form canceling the XX/XX/XXXX refinance transaction on my primary residence. The Original lender XXXX XXXX XXXX did not respond to my rescission letter or 3 day right to cancel form canceling the transaction or numerous phone calls until XX/XX/XXXX. The Original Lender XXXX XXXX XXXX XXXX wanted to refinance my refinanced mortgage instead of rescinding the refinance transaction, starting all over, that would have cut off my rescission rights, to recoup the monies I paid, to protect my credit rating, and interest paid. I stopped paying the canceled refinance loan in XX/XX/XXXX. On XX/XX/XXXX U.S. Bank as Trustee filed a wrongful foreclosure suit against my refinanced primary residence on the canceled refinance transaction. On XX/XX/XXXX a final hearing for foreclosure was held. Even though the court found I closed on the refinance on XX/XX/XXXX, the paperwork we signed was not to what we agreed to and we sent XXXX XXXX XXXX XXXX a right to cancel letter and 3 day right to cancel notice on XX/XX/XXXX within the 3 days, an absolute unconditional right to cancel the transaction, The court misplaced the law and wrongfully interpreted the right of rescission, that a suit must be filed within 3 years after the date of the transaction. The interpretation was wrong and 10 years later clarified by the U.S. Supreme Court in XXXX V. XXXX XXXX XXXX   XXXX. Since the Supreme Court unanimous decision in the XXXX RESCISSION CASE, I have contacted XXXX XXXX XXXX.  as Trustee numerous times and all correspondence has gone unanswered. They have no active attorney of record from the prior foreclosure action and the courts are of no help. XXXX XXXX wrongful foreclosure is at best an unsecured debt. The home value was appraised for over XXXX of equity at the time of the final judgment of foreclosure. The bank sold the home for XXXX cents on the dollar and doubled there money from the refinance loan that profited them from the wrongful foreclosure and sale. I had lived there for 20 years and my life savings from hard work was stolen from me. I assistance in recovering the monies that were wrongfully stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX added XXXX derogatory mark on my credit report per XXXX and Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA, XXXX has violated my rights as a consumer and XXXX requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 These companies are in clear violation of FCRA Laws and 15 USC 1681 Further, I did not give any written or verbal authorization for my credit report/profile to be accessed. These companies clearly with malicious intent tried to commit identity theft where my identity and privacy are guaranteed by both the FCRA and 15 USC 1681. ( Unauthorized used of SSN and credit information ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Please be advised that this is not the first request for remedy.

Should ALL my grievances NOT be addressed and deleted, the next step shall be federal litigation.
Product: Credit reporting or other personal consumer reports

Credit bureaus are continuing to report an account that contains obvious inaccuracies. According to the FCRA I have the right to dispute incomplete or inaccurate information and consumer agencies have the responsibility of deleting inaccurate, incomplete or unverifiable information.
Product: Credit reporting or other personal consumer reports

My Identity was recently compromised. I saw many inquiries from different lenders, to which I do not recall applying. I tried disputing this with Equifax and XXXX, but they refused to help me. They either think I hired someone to dispute the information on my behalf, or Equifax said my FTC report is invalid, so they couldn't proceed with the dispute. It's very frustrating that I couldn't get any help from these bureaus despite my Identity being wrongfully used to obtain credit. These are the fraud inquiries I tried to dispute with Equifax and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handing of disputes particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering list funds was impossible and tracking these transactions was unfeasible The CFPBs findings indicate thats Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving us users vulnerable to scams
Product: Debt collection

Third warning Dear XXXX, I am writing in response to your letter regarding Case # XXXX. I am XXXX XXXX XXXX XXXX and i am contesting the allegations made in your letter. 

Firstly, XXXX XXXX insists that he is unaware of the debt you claim he owes. The mere mention of a " charge off '' does not validate the debt. We require further proof of this debt, including the original contract, a detailed payment history, and a full set of billing statements. While you argue that these are not required under the Fair Debt Collection Practices Act ( FDCPA ), they are essential in confirming the legitimacy of the debt. 

Secondly, XXXX XXXX disputes that he received the validation letter you claim to have sent on XX/XX/2022. The fact that the letter was not returned as undeliverable does not necessarily mean it was received by XXXX XXXX. We request proof of delivery to confirm that the letter was indeed received by him. 

Thirdly, XXXX XXXX 's phone number is registered on the national XXXX Not XXXX XXXX. Your assertion that your company is not a telephone solicitor and does not engage in telephone solicitation does not exempt you from the FDCPA 's prohibition on contacting consumers at inconvenient times or places. If XXXX XXXX did not give you permission to contact him, any calls made to him could be considered a violation of the FDCPA. 

Furthermore, we have become aware of unauthorized use of XXXX XXXX 's personal information, which is in violation of the provisions set forth in XXXX XXXX XXXX, also known as the XXXX XXXX ( XXXX ). This law protects the privacy and security of individuals ' non-public personal information. We demand that you immediately cease and desist from any further collection, disclosure, or use of XXXX XXXX 's personal information. Failure to comply with this demand will leave us with no choice but to pursue legal action. 

We request that you provide us with written confirmation within XXXX business days from the date of this letter, stating that you have ceased all unauthorized activities involving XXXX XXXX 's personal information and that you will take all necessary steps to ensure the information is securely destroyed or returned to XXXX XXXX. 

In conclusion, we demand that you provide further evidence to validate your claims. Until such evidence is provided, we maintain that XXXX XXXX is not obligated to pay the alleged debt. We anticipate your prompt compliance and cooperation.
Product: Credit card or prepaid card

American Express indicated that I have an available sum of {$17000.00} to pay over time on my AMEX card ending with XXXX. At the time I had a balance of approximately {$3000.00} I attempted a charge of {$2500.00} which was declined. When I called the company I was dissatisfied with a very convoluted and impossible to understand explanation. 

None of the material received from AMEX, ( in the 10 or so years that I have had the card ) indicated any type of limitation on the use of the pay over time balance cap. 

I consider AMEX 's failure to warn about any kind of limitation to be misleading and deceptive. As a result of the declination of my attempted charge I fear harm to my credit rating, not to mention the personal humiliation.