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

I am writing to formally dispute a XX/XX/2024 decrease in my credit score by XXXX XXXX, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified. I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. This is a third times that this happened. I believe Im a victim of credit discrimination! Thank you for your cooperation. Sincerely,
Product: Debt collection

The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed multiple inquiry letters to TransUnion in order to dispute information in regards to 13 hard inquired that is being reported on my credit report. The request that was sent included 13 hard inquiries that were not factual.I was apart of the TransUnion glitch and several inquiries that had been deleted have been added back to my report. Inquiries as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) regulates credit bureaus in the United States, including XXXX XXXX. It establishes rules for reporting, and specifically, 611 5 ( b ) of the FCRA covers a credit bureaus requirements relating to the reinsertion of previously deleted information on an individuals credit history. It states that if information was removed pursuant to a consumer dispute, that information can not be re-added to a credit bureau. TransUnion customer service did nothing to help and take care of the negative inquiries reporting to my report.
Product: Credit reporting or other personal consumer reports

There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from XXXX for {$2200.00} taken out on XX/XX/XXXX. The second is from XXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX, New Jersey Police Department on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

Experian and XXXX, as well as one of the original creditors XXXX, have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies including that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus and XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. 

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by XXXX XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. 

The XXXX account in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

Greetings, AMEX Card # XXXX Case # XXXX I am writing to you in behalf of Fraudulent charges made on my Prepaid American Express Card. I have lost over {$4000.00} on this card but only have the proof of {$1800.00} because the account was closed. I have provided this documentation. It was an 'Account to Account ' transaction with apparently Fraudulent names and numbers. On this Day I had a direct deposit hit at midnight for aprox {$1200.00} and also had a deposit the week prior and in the mean time uploaded {$1500.00} plus the other the funds that were in the account. I have Filed a police report ( XXXX XXXX PA Case # XXXX ) and went to my local magistrate to file a civil suit which is on hold. I was advised it would only to be a loss of time and funds without an Attorney and taking it to another level with a high instutution. Half of these transactions took place while on the phone with American Express Serve while they changed my Password and Email multiple times with mo luck of stopping the Fraudulent process. Amex told me the process would be " expedited and would have the funds returned in 3-5 business days '', 10 days being the max ''. I called after4 business days to ask where they were in the process only to find that they were still looking into it. One hour later I received an email stating that my claim was unfounded and they were closing the account. Please see the attached documents. This money was to last me until the next section of the project was to be billed in which I 'm still 6 weeks out, I have children and have bill and will be unable to keep our home if American Express does not take care of this matter immediately. I have attached the initial form to file a Civil suit which has the card/account number and the Police Case number. Obviously this is a very serious matter. I have reached out to the Pennsylvania Dept. of Banking and the F.C.C. and have been directed to you. 
Thank you in advance. If I can be of any help please call me or write me. Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery has contacted me multiple times at work after I've asked for written validation of the debt they claim I owe. They have called on XXXX  from XXXX at XXXX XXXX, XX/XX/XXXX ( did not get the number ) XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX from XXXX, and multiple other occasions. I've asked repeatedly not to call at work and the calls seem to be getting more frequent instead of stopping. They have even left messages with coworkers on my days off.
Product: Credit card

On XX/XX/2024, I received a text from my Truist Bankcard that concert tickets were purchased in the amount of {$1.00}, XXXX. XXXX. On the same day, my XXXX XXXX was also compromised in the amount of {$1.00}, XXXX. The company was the same company. It is called XXXX. I immediately notified Truist of the fraudulent charge as well as XXXX XXXX. XXXX XXXX credited the amount and initially, Truist credited my account as well. However, several days ago, I received a letter from Truist stating the credit had been denied in the amount of {$1.00}, XXXX. XXXX. Truist stated their fraud department found the charge to be legitimate. 

This is clearly a fraudulent charge on the Truist Visa Account. I have sent documentation to Truist showing the XXXX XXXX charges on the same day with the same company which is XXXX, and the refund. I have contacted XXXX on numerous occasions. They state that the tickets were sent electronically and had no way of tracing the charge. I did not purchase any tickets from XXXX nor have I ever dealt with this company. 


Please contact Truist and investigate this fraudulent charge. Thank you.
Product: Credit reporting or other personal consumer reports

Hi I just got a copy of my credit report recently and noticed I had a fraudulent account on my report. Please remove these accounts from my report they are hurting my ability to obtain credit and adequate housing
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I am experiencing with Navy Federal Credit Union ( NFCU ) regarding their frequent and unsolicited credit limit increases on my credit card account, which is in good standing. 

While I understand that some financial institutions periodically adjust credit limits based on account activity, the frequency with which Navy Federal has increased my credit limit has become a concern. Despite my responsible credit management and the account being in good standing, these increases occur without any request or notification, putting me in a difficult position when it comes to managing my credit utilization and overall financial planning.

I believe the onus should be on Navy Federal to provide transparency and justification for such frequent changes, as they impact both my credit score and my ability to manage credit responsibly. The lack of clear communication surrounding these increases also raises concerns about the alignment of Navy Federals policies with fair lending and credit practices. 

I respectfully request the Consumer Financial Protection Bureau to review this matter, as I believe customers should have more control over their credit limits and be informed in advance of any changes that could affect their financial standing. I would appreciate any guidance or assistance you can provide in resolving this situation. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I received a call today stating I had a credit card thruXX/XX/XXXXXXXX since 2022. I have never had a credit card in my life. They said there was recently a transaction for $ XXXX. ** made recently. Told them it wasnt me and that I would file fraud. Ive also been hit thru my checking account a few times this past year. I receive XXXX. And have no reason to have a credit card now at the XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

INQUIRIES NEED TO BE REMOVED, I DID NOT REQUEST NO CREDIT DURING THOSE TIME. 

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

They are reporting incorrect information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They are not reporting the DATE OF LAST ACTIVITY on either of these 2 accounts, and will not delete them. I will seek legal action if not removed. They also refuse to honor other disputes. The website is only set up to dispute once.
Product: Mortgage

In addition to my earlier complaint against Rushmore Servicing : The documents attached show : 1. Rushmore Servicing assumed my mortgage with mandatory tax and insurance XXXX impound account on XXXX XX/XX/XXXX. 

XXXX. XXXX XXXX property taxes were due on the property in XXXX and XXXX. 

3. Rushmore Servicing paid the XX/XX/XXXX taxes over 1 month late, incurring a penalty of {$140.00} plus a {$20.00} fee. 

4. Rushmore has never paid the XX/XX/XXXX taxes, incurring another penalty of {$140.00} plus a {$20.00} fee ( for a total of {$330.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX   has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount one of XXXX and the other XXXX they are both charged off the balance should be XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress.

I first noticed the late open accounts, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it.

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities.

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account : XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud no knowledge of the account
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of 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 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 According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # XXXX, has violated my rights. 

15 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
Product: Credit card

I am a consumer who applied for a cared credit card for vision purposes in XXXX 2014. I was under the impression that I would not pay any sort of interest for 18 months on my XXXX purchase and would only acquire interest charges after the 18months was over. I received inadequate explanation of the terms from the store rep and at not time spoke to an actual Care Credit rep during the application process. I also did not receive any copies of the care credit agreement that explained the deferred interest rate of the crazy 26.99 % When I went to make a payment online I noticed and interest charge for over {$700.00}. I called care credit and pretty much told me there is nothing that they can do, but only offered to remove charges if I paid my remaining balance within a week. which I cant. Also only said that they are sorry that the vision rep did not explain how the deferred interest charges would work. I am truly stressed out about these charges and would like your help. I wrote a letter to the corporate office, but was told but a care credit rep that it may take over a month for them to reply to me. Please Help! Thanks.
Product: Bank account or service

As a verified PayPal member, I am trying to make a simple purchase of {$250.00} on eBay for a PayPal Digital Giftcard auction item. PayPal, yet again, will not allow me to make a purchase because, according to their telephone agent, a transaction was recently made on my account which used my connected bank account. A standard response of " we 're trying to make sure you 're account was n't hacked '' will not suffice.
Product: Debt collection

This company accepted a settlement and agreed to delete the collection from all 3 credit bureaus. Its still showing up on my XXXX report.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed early warning LLC, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given Early warning LLC permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Early warning LLC resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Checking or savings account

This bank of America. Told me my checking account will be closed. That " was on XX/XX/XXXXXXXX XXXX XXXX They gave me a date of closure to bet set on XX/XX/XXXX. I told them I received XXXX from XXXX and requested a hardship. To withdrawal my money before holidays and was denied, because they was still processing a claim! So I waited till the XX/XX/XXXX, to see when my check will be mailed after closing. They made me wait XXXX days. I them called bank XX/XX/XXXX and was told they have no set closure date yet, And said that XX/XX/XXXX was just a estimated date of closing account. I have not commit no fraud or suspicious illegal activity. Now here it is almost 60 days later. I still have no access to my checking account that has around {$3200.00} cash. I'm unable to buy groceries essential needs, laundry detergent, this has put a lot of stress and damage on me mentally and physically.