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

Dear Equifax, XXXX, XXXX Date : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX I am disputing the following account in my credit report. I have been living in XXXX since XXXX and the Account information that you have on record for the following accounts needs to be removed because these account do not belong to me. These accounts are identity theft XXXX XXXX XXXX : Reason- this account is not mine 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 Neither Account is mine XXXX XXXX XXXX Neither of these accounts are mine The Public Records section of my credit report needs to be cleaned up as well. Please remove the following addresses on my Credit Profile XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, OK XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX NY XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family My date XXXX XXXX XXXX XXXX Thank You XXXX
Product: Credit card or prepaid card

Late in XXXX ( around XX/XX/XXXX ) I applied for the Citi DoubleCash card because it had a bonus of {$150.00} advertised on a {$500.00} spend. I received my card early in XXXX and over the next three months put well over {$500.00} spend on it. I waited for my bonus, but I did not receive any.

I called Citi to resolve the issue on XX/XX/XXXX, they said they didn't have any bonus on my account. I asked them to look into it, since I definitely remember that offer. They said they would, but they never reached back out to me. 

Attachment : the offer
Product: Credit reporting or other personal consumer reports

Submitted 11 requests to Equifax between XX/XX/year> and XX/XX/year> asking that the bank balances on several credit cards for XXXX XXXX XXXX, XXXX XXXX and a collections account XXXX XXXX XXXXXXXX XXXX XXXX ) be updated according to the payments received by the vendors and invoices provided to me. 

All responses from Equifax claimed they confirmed balances with the vendor, yet the balances remain the same. 3 of the 4 accounts in question have had XXXX ( XXXX ) balances since XX/XX/XXXX- XX/XX/XXXX as shown by the vendors. The final account is {$230.00}. This changes my total credit utilization from 56 % to approximate 2 %. 

I have been denied credit during this period due to incorrect reporting of my current debt to income ration as shown by the XXXX XXXX document dated XX/XX/year> where the Equifax report provided to them is dated XX/XX/year>. Please note, as of the date of the credit report, the XXXX invoice showed I had a {$230.00} balance which was not reflected by Equifax. 

Corrections to the credit report, had they been in a timely manner would increase my score by approximately XXXX points as reflected by XXXX and XXXX who are reporting correctly. 

XXXX XXXX XXXX XXXX - Reported as {$560.00}, {$0.00} balance XXXX XXXX XXXX XXXX - Reported as {$3300.00}, {$0.00} balance ( overpaid balance to XXXX XXXX XXXX XXXX XXXXXXXX - Reported as {$3200.00}, payment applied XX/XX/year> {$3200.00}, cycle end balance for XXXX invoice {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Collections paid in full XX/XX/year> and should've been deleted from credit report XXXX XXXXXXXX Credit Line Increase denial XX/XX/year> - based upon incorrect Equifax reporting dated XX/XX/year> instead of XX/XX/year> scoring Equifax 11 responses to my disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have multiple promotional balances on my account. Despite my calling numerous times, Alphaeon does not allocate my payments appropriately. Instead of applying my payments to the balances expiring first, they apply it to the one expiring last. I have called and asked them to resolve this multiple times over the phone and they refuse to allocate appropriately. It is predatory. They are trying to have the promotional period end and then apply interest.
Product: Debt collection

This account is a fraudulent account. The police report of the identity theft and theft was already provided to Regions bank back in XXXX. XXXX XXXX XXXX identified that I was an actual victim of Fraud where my purse was stolen with all Identification, debt and credit cards were inside. 

Per my notes I spoke with an XXXX XXXX where the charges were supposed to be cleared out the system. I not responsible for this debt.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$10000.00} XXXX XXXX XXXX
Product: Debt collection

XX/XX/16-I have been threatened with court and other such threats by premier holdings llc. When I requested written documentation of this date they became hostile and refused. My husband then decided to call and they told him my private medial information without verifying he was who he said he was. This was the second time they have called me and threatened me and I can not find any information online for this company.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, results from that trafficking. 

XXXX XXXX XXXX XXXX ACCOUNT Please block this information from my credit report within XXXX business days, under section XXXX of the Fair Credit Reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Credit Report Complaint Dear XXXX Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXXXXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Credit reporting

The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
1. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
2. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
3. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
4.XXXX XXXX XXXX : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XXXX XXXX and the second was XXXX XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.
Product: Debt collection

XXXX have sent me a letter from XXXX that they say the debt is mine and when the last payment was I did not make the payment in the letter they claim XXXX XXXX XXXX  have deleted this debt It's fraud not me thwu don't have my Id or a signature of me signing for the debt or a contract on any of the sales on this debt because it's fraud Also this debt is passed statue of limitations The proof is in the upload documents The letter from XXXX  that states a payment I didn't make it and.its passed statue of limitations
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The amount being garnished and the amount on my credit report are not the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Best regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The payment system provided by the AAFES/MILITARY STAR company has been faulty, which prevented me from successfully making payments on time. Despite my attempts by calling and EFT, the system failed to process the transactions, causing unintended errors.

Under the Fair Credit Billing Act ( FCBA ), I am entitled to dispute these acts resulting from system errors, such as this. Additionally, the issue is related to non-compliance with the Payment Card Industry Data Security Standard ( PCI DSS ), which outlines the security and functionality requirements for payment systems.
Product: Student loan

I have been trying to qualify for the PSLF program. I have worked in the non-profit industry for 12 years, all the while paying back my student loans. I have the correct loan type, the correct employment, have made over 120 payments since XX/XX/2007, and believed to have the correct repayment plan. XXXX thinks otherwise, however. They say I have made 1 correct payment in the past 12 years, but when I ask them to look into my repayment plan they don't provide me with any more information. I have asked for a list of payments, all the info they are working with, but get little to no response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto financing put inquiries on my credit report XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 i called and informed them that I did not consent. They said XXXX did it. I never gave XXXX my consent and asked XXXX for and documentation with my consented they couldn't provide me with anything.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Legal XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( B ), I request that you : 1. Conduct a reasonable investigation to determine the accuracy of the disputed information.

2. Correct or delete the inaccurate information within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( C ).

3. Notify me of the results of your investigation and any corrections made, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

I have attached documentation supporting my dispute, Failure to comply with the FCRA may result in legal action, as provided by 15 U.S.C. 1681n. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two equifax credit files XXXX XXXX XXXX this is the correct report ( confirmation # XXXX ) XXXX XXXX XXXX incorrect / not valid ( confirmation # XXXX ) with my creditors pulling the XXXX XXXX and not XXXX XXXX. they are unable to use my credit report. 

i do not have a fraud alert anymore. they need to get rid of the XXXX XXXX XXXX XXXX XXXX is the correct report. 
please help confirmation # XXXX is correct confirmation # XXXX is incorrect it is all in my middle name XXXX is the right report XXXX is not
Product: Checking or savings account

Looking on the Federal Reserve site, Reg D was temporarily done away with on XX/XX/XXXX due to COVID-19. " Q : What changes has the Board implemented to savings deposits in response to COVID-19? 
Posted : XX/XX/2020 A : On XX/XX/XXXX, the Board announced an interim final rule to amend Regulation D ( Reserve Requirements of Depository Institutions ) to delete the six-per-month limit on convenient transfers from the savings deposit definition. The Board took this action in light of the elimination of reserve requirements on all transaction accounts, making the retention of a regulatory distinction in Regulation D between reservable transaction accounts and non reservable savings deposits unnecessary. In addition, financial disruptions arising in connection with COVID-19 have caused many depositors to have a more urgent need for access to their funds by remote means, particularly in light of the closure of many depository institution branches and other in-person facilities. The interim final rule was intended to allow depository institution customers more convenient access to their funds and to simplify account administration for depository institutions. Further information, including a full set of frequently asked questions and answers, is available here. '' This came straight from the Fed site. I tried to make another transfer today on XX/XX/2020 and Bank of America was going to charge me for the transfer. This violates what the Federal Reserve has put into place because of this pandemic. 
So I called Bank Of America on XX/XX/2020 and spoke with XXXX in the New York office. She argued with me that this was not correct with what I was telling her. So I ask to speak to a supervisor to let them know about this update. Bank of America is still charging people fees for Reg D transfers when they are not suppose to even count the Reg D at this point. Please look into this matter. I can not seem to get anyone on the call to listen. Thank you,