23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these items right away! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have recently purchased a Netspend prepaid debit card from the local XXXX XXXX. Upon purchase, I deposited an amount of in the card and got a receipt with amount deposited and that is activated. The card clearly states on the back that it needs activation using SSN and some other unstated form of ID for non-resident customers. Since they did not mention that what alternative form of ID can be, I assumed my passport and US working Visa will do. When I came to activate it, I spent 2 whole days trying to solve the issue of activating the card since the online activation system wasnt accepting the form of ID that I have and wasnt giving me any alternative. Not the company itself, nor XXXX, nor VISA nor the bank linked to the card answered my calls or guided me to what I am supposed to do to either activate or get my money back which I deposited in a local XXXX. After all this, I have no other choice but to consider that I have been scammed by the company and all the responsible parties who received the payment and claim there is no way I can use the card nor get a refund. Please assist me on what I can do to report this case.
Product: Student loan

I have several student loans owned by NCT and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about {$41000.00} ) 2 months ago and they have n't responded.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and fraudulent inquiries have been added to my credit file as a result. I request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.
Product: Checking or savings account

This concerns a savings account with Valley National Bank. My mother first opened this account on my behalf in XXXX as a Kids First Savings Club Account, which had a {$1.00} minimum balance. Her intention was to save money for my future, as I was a XXXX  at the time. 

In XX/XX/XXXX, I for the first time received a mailing stating that months of low-balance fees had been applied to my account ( attached as p. 1 ). I had no prior notice that my accounts balance was too low or that the minimum had increased. 

On XX/XX/XXXX, I went to my local branch and attempted to resolve the issue. They informed me that the account minimum had increased from {$1.00} to {$300.00}. They also gave me an account statement ( attached pp. 2-3 ) indicating that low balance fees have been applied to my account every month for 13 months, totaling {$65.00} in low-balance fees, and that they had been charging a dormant service charge of {$9.00} per quarter, or {$27.00} over three quarters. These fees total {$92.00} on an account that originally had {$210.00}, erasing 42 % of the accounts balance. My only notice of these fees was the XX/XX/XXXX mailing. 

On XX/XX/XXXX, the bank told me they would reverse one years worth of charges, or {$53.00}. However, they refused to reverse the {$39.00} of remaining fees. I told them that these fees were unfair given that I had received no notice of these fees, and they could not produce evidence that they had given notice. 

I am filing this complaint because of Valley National Banks  predatory practices preying on consumers who wish to save money for their children, and then decimating the accounts value by charging fees without giving notice.
Product: Checking or savings account

I added a XXXX XXXX  cashback offer to my card and then made a purchase at the relevant merchant for {$19.00}. Before that transaction went through, the merchant put a {$1.00} authorization charge on the card, a normal practice for many companies, which was quickly reversed. The cashback offer was applied to the authorization rather than my purchase. My XXXX  had the exact same issue for her own {$19.00} purchase with the XXXX XXXX cash back offer. I contacted support and was given irrelevant copy-pasted information for XXXX  days until someone finally paid enough attention to understand what my problem was. At that point they essentially told me " XXXX XXXX  '' and ended the conversation. 

If the company is going to act like authorization charges count as the cashback purchase then essentially nobody that ever tries to use the offer will ever get cashback and the company is committing wide scale fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
XXXX and Transunion has continued to report this invalidated information which is a direct violation of the FCRA.
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, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

My name is XXXX XXXX and I have a personal line of credit with Sam 's Club. I had an available credit balance of {$1000.00}. I paid my bill and an additional {$75.00}. After I paid my bill, Sam 's Club lowered my credit balance to {$800.00} leaving me to be over my limit by {$23.00} ; which has now negatively affected my credit. I have not missed a payment and when I called to resolve the issue, they did n't bother to give me a reason. I was told that the boss did n't take calls.
Product: Credit reporting or other personal consumer reports

Dispute late charges on the mortgage payments in the past. Wells Fargo home mortgage. The mortgage was sold and closed on XX/XX/year>. They are incorrect on all late charges.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint with the case law 15 USC 1681sub section 604 explaining that a consumer reporting company can not report anything negative on my report without my written consent!! And they did not remove the XXXXXXXX XXXX XXXX ( XXXX ) that's been closed on my accounts for more than 10 years they claim it's a verified acct when that's not what I asked
Product: Debt collection

On XX/XX/year>, I received a confusing collection letter that violates XXXX XXXX by listing multiple companies for the same alleged debt : - Resurgent Services on letterhead - XXXX XXXXXXXX XXXX XXXXXXXX ( claimed original creditor ) - LVNV Funding LLC ( claimed current owner ) - XXXX XXXX XXXX XXXX ( claimed servicer ) The letter created deliberate confusion about : 1. Who actually owns the debt 2. Who has collection rights 3. Where to send responses 4. Which company is responsible I submitted identity theft documentation, but all three credit bureaus ( XXXX, XXXX, and XXXX ) improperly " verified '' this account despite : - Multiple companies claiming different roles - No clear proof of ownership - Identity theft claims - Violations of Texas debt collection laws The amount in question is alleged to be {$580.00}, but ownership is unclear due to multiple companies involved. 

I have requested : 1. Immediate deletion from credit reports 2. Clear proof of debt ownership 3. Investigation of identity theft claims 4. Cease of all collection activity Despite these requests, they continue to : - Report to credit bureaus - Attempt collection - Create confusion about ownership - Ignore identity theft documentation This violates both FCRA and TDCA requirements for proper debt validation and handling of identity theft claims.
Product: Credit card

My credit card provider is Barclaysa XXXX sponsored by JetBlue. I recently paid my monthly statement ( due XX/XX/ ) in full ( via check enclosing Barclays voucher coupon ). Instead of crediting my account, Barclays erroneously credited my wifes credit card account ( she too has a Barclays XXXX ). Im now accruing interest and being warned I have an overdue debt. A call to Barclays customer service on XX/XX/XXXX ( case # XXXX ) supposedly resolved the issuebut it didnt. I called customer service again today, XX/XX/XXXX, when Barclays sent me a new statement still showing a past due amount. Customer service did not take my proffered case # from XX/XX/XXXX. Rather, I was put through the same song and dance with the new information that Barclays mistake could take up to two billing cycles to be resolved. Meanwhile, I cant use my credit card ( unless I make a paymentagain ), I continue to accrue interest and Barclays continues to demand payment of the amount supposedly under review by them. I asked whether in paying my next statement I should deduct my prior payment and any interest charges, but customer service seemed incapable of answering my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 letters were sent to XXXX, Equifax and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. This letter is being sent under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which requires that furnishers of credit information report only accurate and verifiable information. 

The account in question is as follows : 1. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/XXXX This account is reporting a balance despite the fact that such reporting may violate consumer law and IRS regulations concerning the discharge of indebtedness. 

According to XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form is evidence of an identifiable event of debt cancellation under IRS regulations . Specifically, Identifiable Event Code 7 states that a discharge of indebtedness occurs due to a decision by the creditor to discontinue collection activity and cancel the debt as part of a defined policy. 

If a 1099-C form has been issued for this account, it signifies that the debt has been canceled. Reporting a balance for a canceled debt is not only inaccurate but also misleading under the FCRA. This inaccurate reporting is damaging my credit and must be addressed immediately. 

Demands : Verification of the Account Balance : Provide evidence showing that the balance being reported is accurate and collectible. 

Provision of the 1099-C Form : If a 1099-C form has been issued for this debt, provide a copy of the document as proof of the identifiable event. 

Immediate Deletion of the Account : If the debt has been discharged under Identifiable Event Code 7 or can not be verified, this negative information must be promptly deleted from my credit report to comply with the FCRA. 

Under the FCRA, I expect your investigation to be conducted within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information or provide the requested documentation, you are required to remove this account from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your resolution and a written confirmation of the results. 

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

On Tuesday, XX/XX/2022, I, XXXX XXXX XXXX, submitted via postal mail, a dispute letter to Experian, advising them two accounts were being reported inaccurately to my credit profile. On Sunday, XX/XX/2022, I was advised via email that my dispute was opened and on Monday, XX/XX/2022, I was informed the disputed information would Remain because the reporting company stated the information was accurate. The two accounts I am disputing is with XXXX XXXX XXXX XXXX. Both accounts are Auto Loans, but they are being reported as Personal Loans. This information is inaccurate. One account has a balance of {$24000.00} and the other account has a balance of {$3900.00}. I have attached the dispute letter, which goes into detail about each account and I have also included a screenshot of my Experian account where it shows the accounts being reported/categorized as Personal Loans and not Auto Loans.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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, credit repair services, or other personal consumer reports

I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX and they said my account was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile.

I reached out to the XXXX, Equifax, and XXXX  to inform them
of dispute and inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All
three bureaus failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile. 

P.S. 
All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies illegally ran my credit without my consent, which is fraud!! I did not live at the address related to the application that these companies attempted to run my credit. Ive reported this fraud application process multiple times and these companies that attempted to run my credit arent on any other credit bureau but XXXX which means these inquiries must be removed at once! Theses inquiries arent on XXXX or XXXX credit bureaus only on XXXX and the federal government says all credit accounts and profiles must be accurate at all times and it must be updated immediately! Please remove these fraudulent inquiries from my credit report ASAP!
Product: Credit reporting or other personal consumer reports

My account with BK OF AMER was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BK OF AMER Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My partner and I got a XXXX XXXX XXXX last year with XXXX miles on it. 

They sold is the vehicle for XXXX. 

I cosigned for it because my partner had low credit. 

To pay off is XXXX dollars, 7 year, 14 % interest rate. 

We are trying to refinance it, Was told it's only worth XXXX. 

We got completely ripped off. 

Need out of this mess
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) Report number ( XXXX ) identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX motors # XXXX, Diversified adjustment # XXXXunauthorized credit inquiries I am disputing are as follows : accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, 2022. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following email from Experian on XX/XX/XXXX ( full text of email is shown ). Then when I looked at my account yesterday, it said I was being charged {$19.00} per month. When I called the membership department, I was told that the {$4.00} was a one-month trial and that the website explained the higher monthly charge. 
However, I believe this is quite deceptive advertising, because the email does not ever mention a one-month trial or the higher fee. The website was difficult to navigate but I thought I could trust the email from a company like Experian. 
I am on a limited income so I had no choice but to cancel the account. 

XXXX Experian Membership ID # XXXX  Member Sign In New level of protection As identity theft increases, it's time for you to increase your control and level of protection in XX/XX/XXXX. For just $ XXXX/month, you'll get ability to lock your Experian credit file and block identity thieves from accessing it. 

Up your protection More benefits that monitor your identity and credit Experian CreditLock Lock your Experian Credit File instantly to prevent new credit accounts from being opened in your name. 
Dark Web Surveillance Alerts you if we find your personal information on the dark web. 
Experian Credit Report & FICO Score Keep track of both, refreshed every 30 days upon sign-in Hard Inquiry Alerts Be alerted if someone conducts a hard inquiry into your credit, as these can lower your score. 
Protect yourself XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries and I have asked for them to be removed the bureaus did not do like I asked. I am providing an identity theft form, I am requesting these be removed they are inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Hello, upon checking my report i notice i received a drop in my scores due to this account being added to my report. I have tried to contact them to send me validation with my signature for this debt which they failed to send me this is hurting me from rebuilding my credit. I am requesting that they remove this account immediately from the credit bureaus.