23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/year> Compliance Department Experian XXXX XXXX Re : Dispute of Inaccurate Credit Report Information Pursuant to XXXX XXXX XXXX 15 USC 6802 ) To Whom It May Concern, I am writing to dispute the accuracy of information in my credit report as provided by your agency, Experian/Equifax/TransUnion. This dispute is made under the provisions of the XXXX XXXXXXXX ( 15 USC 6802 ), which ensures the accuracy and integrity of my financial information. 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report and found inaccurate information regarding my account with XXXX XXXXXXXX XXXX Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
Under the XXXX XXXX, I am requesting that [ Experian/XXXX ] conduct a thorough investigation into this matter and correct any inaccurate information on my credit report. Please investigate this dispute and provide me with the results in writing. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents support my claim and demonstrate the accuracy of my account information. 
Furthermore, I request that any corrected information be sent to XXXX XXXXXXXX XXXX and to all other credit reporting agencies that have received this inaccurate information, as required by law. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DEPT OF EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Dealer Services XX/XX/XXXX
Product: Credit card or prepaid card

I purchased a cordless vacuum from a third party vendor on XXXX, the XXXX XXXX XXXX, on XX/XX/XXXX. I received the item on XX/XX/XXXX. I used it for a week or two before it completely stopped functioning and sucking up anything from my floors. I tried everything from fully charging the battery to turning it on and off again to trying it out on hardwood flooring versus rugs. Nothing worked it merely pushed the dirt around or would spit it right back out all over the place. I called XXXX to request an immediate refund as the product was inoperable and damaged. But because this was obtained from a third party seller, XXXX, XXXX could not issue me one. I attempted to contact the company to which they told me to simply charge the battery or to send the broken vacuum back. After trying those two routes, I decided to contact my credit card company, as I did not believe it was appropriate for them to request for me to return the damaged product in an oversized box ( which I did not have ) in order to receive a refund. Please note that I also live in Hawaii where mailing back items of this size is a large inconvenience for a broken product that I have since thrown away. This was XXXX XXXX mistake for selling me a broken product that didn't work and for refusing to refund me. A dispute was filed with my credit card company, Citicard, but I just received notice on XX/XX/XXXX that the {$100.00} charge was resolved in XXXX XXXX favor. This was an unjust service all the way around, including the credit card company, and it does not sit right with me. The product is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are many reviews of customers who have had the exact same experience as I have and so I know that I am not in the wrong and this should have been handled in my favor and much more appropriately. I believe this company is doing shady business. Thank you for your time.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Product: Checking or savings account

Applied for XXXX from XXXX by Santander, immediately denied, " Hi XXXX, Unfortunately, we couldn't verify the information provided in your application and, are not able to open a Savings account for you at this time. 
If you believe your application information may have been entered incorrectly and youd like to apply again, please visit our website to reapply. 
We appreciate your interest in XXXX. '' Reapplied immediately ensuring info is correct. Received same result. Called and was told they have no record of my application. Applied a third time, same result. They told me that I may be being denied due to being unqualified for the account. I requested the reason and the agent was unable to provide that as she did not have clearance to tell me. " Resources are very limited, reapply tomorrow. ''
Product: Credit reporting or other personal consumer reports

Complaints on the following : Total Card Inc & XXXX  XXXX XXXX XXXX I asked the credit bureau to do a credit verification on these creditor in which they did.I found improper inaccuracy on my credit report. Ive been trying to get in contact with this company to verify if this debt is correct or not because it is so old.

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: Mortgage

I completed an online application for a {$75000.00} mortgage loan through Rocket Mortgage aka Quicken Loans on XX/XX/22 yet my application was denied because of then given " XXXX XXXX '' XXXX XXXX of XXXX ; wherein XXXX ( the lowest reporting score of the XXXX national credit bureaus ) was used to deny my application. I discussed with a senior advocated for Rocket Mortgage why the low score when other bureaus and models were showing a higher score that would have qualified my application for the loan yet insisted he to has never heard of a " XXXX  XXXX '' scoring. I later called back on XXXX to request a copy of my completed application used in their decision making process but was told there is no application available to provide to me. However ; earlier on that day XXXX a banking agent within Rocket Mortgage stated there was no application or record of me ever applying for a loan with Rocket Mortgage on XX/XX/22 only showing that I had telephoned on XX/XX/22 inquiring about the status of my application. I will conclude that information provided in my application to Rocket Mortgage ( besides the credit bureau and score they used ) was in whole part of their credit decision in denying my loan ... in other words, XXXX XXXX  and XXXX XXXX  my application refusing to provide or produce a copy of my application is a sign of Rocket Mortgage aka Quicken Loans trying to hide their decision making process in denying certain XXXX XXXX XXXX  for loans.
Product: Credit card

Investigate the accounts enclosed in the attached documents, as they incorrectly indicate late payments.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$850.00} Open Date XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I never had a credit card from XXXX XXXXXXXX, never used it or received it and they put a hard inquiry on my equifax credit report.
Product: Checking or savings account

On XX/XX/XXXX I noticed Fraud on my checking account for {$120.00} & {$60.00}. 
I immediately notified my bank. It was in the process of being investigated from the fraud department, when the following week I was in-between flights at the airport and turned on my phone and saw XXXX missed calls from the same number. after that it was ringing again so I answered it. An unknown male stated he worked for the fraud dept. at Citibank. Due to the fraud that which occurred earlier, and was currently under investigation, I was not suspicious. Over the course of the phone call I proceeded to provide the last XXXX digits of my social, & birthdate which Citibank asks for. 
The man then tricked me into making XXXX XXXX transactions for {$5000.00}. each Saying that the transition would not go through that they just needed a reference number so that this XXXX XXXX & and XXXX XXXX who were trying to hack my account would not get my money. 
He told me to log into my account where I saw he was telling me there was {$15000.00}. in my checking account which there was that shouldn't be. In order to put it back he was instructing me what to do, I was on a flight for a XXXX XXXX XXXX XXXX  running to change planes & not in my right mind. The following day I received another call from the same number XXXX XXXX. He tried to get me to wire {$15000.00}. I caught on and called the bank. When I got home a XXXX came to my door to investigate and I filed a police report. Citibank XXXX XXXX my account back for the XXXX prior transactions but refuse to credit me back the {$10000.00}. stating it was my fault!! I have been an outstanding citigold customer for over 40 years. They did not alert me when any of these transfer were taking place to verify! a XXXX XXXX  come to my house from XXXX XXXX XXXX XXXX to investigate and I told her Citibank would take care of it and be fair. 
They are not being XXXX at all but blaming me for it. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has two hard inquiries on my credit file that are identity theft. One from XXXX XXXX XXXX and one from XXXX XXXX and I did not make those attempts. Please remove those hard inquiries. XXXX XXXX credit card is identity theft also please remove that from my report immediately! Cease and decease
Product: Checking or savings account

On XX/XX/XXXX I submitted a funds transfer between my linked accounts. I received a notification that the transfer had been initiated. On XX/XX/XXXX I received a notification that the transfer had been cancelled due to security issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which allows you to send money to friends hasn't worked in over a month. 

I was asked to provide a front and back copy of my ID and a pictures of my holding my ID which I did. Then I was asked to submit this again but this time include a piece of paper with the date written on it holding my ID which I did. Then I was asked to provide a copy of my bank statement and a letter from the bank explaining the reason for the transfer. I provided 2 bank statements with a message that there are transfer transactions on the statements between these linked account and this activity is normal and not fraud or suspicious. At this filing my account is still locked. I sent over 30 messages and made at least 10 phone calls letting them know that the locked account is the only account that I have money and that I am running out of food to eat and have bills that need to be paid. My account continues to be locked for no valid reason under the guise of " security concerns '' It is now 5 days and counting and I have only rice to eat for 2 days now, which I will finish today. 

I believe this is a scam that allows the bank to hold onto funds for a designated period of time to earn interest. I believe an investigation would uncover that this bank routinely locks funds on accounts as there are numerous complaints of them doing this. Normal procedure is for a bank to send a fraud alert where the customer confirms or denies they did the transaction before locking the account. Banks do this for transactions that are outside of the customers normal transaction pattern. In this instance, I am not doing anything any differently and these transaction are a part of my normal activity. Even if an account is locked, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the same league of that perpetrated by XXXX XXXX with phony accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX on XX/XX/XXXX XXXX XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It hasbeen more than XXXX XXXX since I originally wrote them.
Product: Mortgage

I acquired the mortgage in XXXX at which time I made paid XXXX extra payment so each year the mortgage would be be XXXX extra payment on principle. This went on until XXXX when my payments/taxes increased at which time I increased my payment when I got a call from the company saying the payment was short. I continued to make payment over the amount of the mortgage to be applied to principle. In XX/XX/XXXX I spoke to the mortgage company to see the total extra payments made had been added to my principle payment they told me non, They said the money was sitting in a curtailment fund. They said the system didn't realize they payments were extra and should have been added to principle. Also to explain why mortgage insurance/hazard insurance is not added to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Product: Credit card or prepaid card

In XXXX I made two payments to Capital one with mu old card ending in XXXX, one for XXXX dollars and the other for XXXX dollars totaling XXXX dollars. I disputed a charge with their dispute department for XXXX dollars with XXXX XXXX XXXX for excessive fees. I received a letter stating that the investigation was over and final and was given a XXXX dollar credit. My credit card limit is only for XXXX dollars. My balance is now XXXX dollars because they charged me twice for XXXX dollars and XXXX for XXXX XXXX XXXX  which was paid in XXXX, they added XXXX to balance and called several times and nothing is being resolved Helped. I requested to speak with a manager and was not granted.
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 NUMBER : 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 : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> 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 accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person my name is XXXX XXXX the Credit bureau violated my rights the disrespect me they disrespect my rights to privacy XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.