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

Subject : Request for Blocking and Deletion of Fraudulent Inquiry Pursuant to 15 USC XXXX XXXX ( a ) and FCRA XXXX ( b ) I am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the fraudulent inquiry listed below from my credit report in accordance with 15 USC XXXX ( a ) and FCRA XXXX ( b ). 
The specific fraudulent inquiry is : XXXX XXXX XXXX  Inquiry dated XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

With the security breach of Equifax, i will not sign up for their year protection due to the clause in the fine print. I want answers from Equifax instead of 'we are sorry '.
Product: Prepaid card

The Google Wallet iOS application said I would have " access to my funds within minutes '' on the transfer screen. After I hit submit, it said I would n't have access for 5 days. It did n't give me the option to cancel. An email inquiry that followed said it would take XXXX hours to receive a response. No other way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute for XXXX years back with no response to or from the attorneys acknowledging it. 

In process of buying a home ( close XX/XX/23 ) and denied by nearly all lenders unless I ( myself alone, this did not effect the joint person on the account ) pay the debt up to. 

Showing up on TransUnion and XXXX as two different " delinquency 's '' but also shows closed. 
This does not show up on XXXX. 

This should not be on my reports, as it does not effect my credit score but is halting me to get a loan.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report for Equifax that is reporting a fraudulent balance and payment history. Evidence was provided to Equifax from the creditor, XXXX XXXX to confirm the account balance and history can not be verified. See enclosed documents and letter, which shows that the balance can not be verified due to conflicting documents regarding the repossession costs, that the balance for GAP insurance conflicts contractual agreements, and that the payment history reported by XXXX XXXX does not match the credit report. 

According to Equifax 's response ( see attached ), the balance was updated. However, the actual credit report has the same balance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a had care visa card with bank of america. There was an expense for {$940.00} on XXXX/XXXX/XXXX for a dental charge. I mailed in a copy of the receipt to Bank of America. On XXXX/XXXX/XXXX, I received a letter from Bank of America claiming that they never received my letter which was due on XXXX/XXXX/XXXX and that they are now going to report the amount on a XXXX XXXX form. I indicated that I was not aware that they had not received it and would provide another copy and they indicated that since the deadline had passed there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Credit reporting agency My Info is incorrect please correct it, I have written letters no response.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 


Here is the item I am asking you to verify as accurate : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] I am in disagreement with the account listed below which still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 Dection 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my 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. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$170.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$62.00} Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Bal : {$170.00} Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card

I was flying home on Frontier Airlines on Friday, XX/XX/XXXX where the airline representative informed all passengers of a special credit card offer that if you applied while in air you got XXXX additional bonus miles to the XXXX mile offer that Barclay 's was underwriting after XXXX purchase on the card. Both my husband and I filled out XXXX separate applications and were hesitant about handing to airline rep because it contained all of our personal info but she stated they had to mail to show the customer applied while in flight to qualify for extra XXXX miles. After 1 month lapsed my husband received approval and a new card in the mail and was satisfied. I on the other hand never received the card nor denial letter. I called Barclays and they had no record of my application. My personal information had been lost in transit from airline to bank. This open me to identify theft, etc. I am not happy nor pleased. I filed a complaint with Barclays but they do not seem to care and I do not feel the process is right to give a full application to an airline employee to submit for additional miles. I want to be contacted to discuss further.
Product: Bank account or service

Bank Of America 's Risk Dept sent me a letter XX/XX/2016 informing me they were closing my XXXX bank accounts we had with them. XXXX business and XXXX personal accounts. No explanation was given for their decision to close my accounts after 35 years of doing business with them. 
Bank of America sent cashier checks for the balance in XXXX of my accounts. At this time {$1200.00} was not sent. I am being told by their fraud dept. I am on camera at XXXX, in their XXXX branch receiving the money at the teller 's window.I am being told by their fraud dept. my ATM card and pin were used in the same transaction.I have documentation to substantiate I in fact was on a XXXX XXXX flight to XXXX XXXX at the same time. 
Bank Of America is refusing to release my {$1200.00} dollars to me. I believe XXXX in Bank of America 's Risk Dept is responsible for the " missing ' money.I spoke to XXXX on XX/XX/2016 at approximately XXXX-XXXX at Bank of America 's XXXX XXXX XXXX branch .I was demanding they release my money to me from my personal closed account. I needed my money to cover a check written from my new bank to cover a business rent payment. XXXX said NO. " I had been made aware of the need to have my money out by XX/XX/2016. 

XXXX from B of A 's fraud dept. stated I took the money out at XXXX on XX/XX/XXXX. At XXXX on the same day the money was still in the account. My bank statement shows the money being taken from the account on XXXX XXXX, from XXXX branch teller window.Their fact contradict themselves. I believe Bank Of America is deliberately keeping my money.The local sheriff dept is not being helpful.The Sheriff were told by the branch manager I was in the branch and received my money.I find it necessary to hire a legal firm to assist me to obtain my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX : {$420.00} Account # XXXX Party Owed : XXXX XXXX  Amount : {$2600.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$500.00} Account # XXXX Party Owed : XXXX XXXX XXXX XXXX : {$360.00} Account # XXXX Party Owed : XXXX XXXX Amount : {$240.00} Account # XXXX Party Owed : XXXX XXXX XXXX Amount : {$500.00} Account # XXXX I am disputing this claim due to : I Have No Knowledge Of This Account. It Is Fraudulent And I Am Requesting That It Be Removed Immediately. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX XXXX XXXX and I have a Military Star Card credit card. The Military Star credit card program is administered by the Exchange Credit Program or ECP. The Army Airforce Exchange Service ( AAFES ) is custodian for the Exchange Credit Program Military Star Credit card. The ECP further reports the payment history and status of each military star card to XXXX  credit bureau. Although all other military servicemembers and veterans military star cards are reported monthly to XXXX, the military Exchange Credit Program and the Army Airforce Exchange Service continues to discriminate against me by willfully failing to report my Military Star Credit Card excellent credit history to XXXX. The ECP and XXXX administrators are willfully conducting unfair pattern and practice against my excellent military star card payment history further preventing its contribution to my XXXX  credit rating. The ECP and XXXX  further reported my Military Star card to Transunion but they added a fictitious late payments for XX/XX/XXXX and XX/XX/XXXX on my Transunion credit report as admonishment because of my complaints. My Star card is paid by automatic debit from my direct deposit checking account monthly and it is impossible to receive a late payment. My military star card has always been paid by direct debit from my direct deposit checking since it was opened.
Product: Checking or savings account

In  XXXX   XXXX , I saw an online offer fro m Citibank th at stated that if I open a savings account and deposit {$25000.00} before  XXXX / XXXX / XXXX  and maintain the deposit until  XXXX / XXXX / XXXX , I will receive a bonus of {$300.00} ( see attachment ).     I signed up for the above mentioned savings account and transferred {$25000.00} into the account on  XXXX / XXXX / XXXX  (    XXXX   statement in attachment ).      I maintained the {$25000.00} deposit beyond the  XXXX / XXXX / XXXX  deadline ( see other statements in attachment ). However, I never received {$300.00} bonus.     I followed up wit h Citibank vi a phone on  XXXX / XXXX / XXXX . In response they s ent me a letter ( da ted  XXXX / XXXX / XXXX  ; see attachment ) implying that this bonus is only for people who it was addressed to and so I do not qualify. However, like I mentioned above, this was a publicly available offer.     On  XXXX / XXXX / XXXX , I replied to the above letter from  Citibank stating that I do qualify for this bonus, since this was publicly available and that I have met all the requirements. I have not heard back from Citibank so   far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX XXXX & Account Number : XXXX Please remove it from my credit report. 
4. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Federal Law requires you respond within 30 days. It has now been over that period since your receipt of my dispute. 
XXXX Account Number : XXXX Please remove it from my credit report. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : XXXX XXXX XXXX Decrease To whom it may concern ; I am writing to you about the recent actions you have done that has caused major damage to my credit scores. The same factors that you have stated that impacted my credit score, XXXX XXXX XXXX did the same damage to my score to have my credit score drop many more points. 

My XXXX card had a credit limit of {$3000.00}, to which I only had a balance of {$130.00}. I have been paying my payments on time and I did not have a high debt to limit ratio balance on this card. When XXXX made the decision to lower my credit limit from {$3000.00} to {$200.00}, XXXX created the exact negative impact on my credit report that XXXX claim to be against. Before XXXX action against my excellent payment history with XXXX, I was at 5 % usage to my credit limit. Now that XXXX XXXX XXXX has lowered my credit limit, Im at a usage of over 60 % to my credit limit. 

My credit report is supposed to be use to tell the truth about my spending habits. XXXX XXXX XXXX actions have falsified my credit report to say that I am using over 60 % of his available credit when in fact I was only using 5 % of his available credit limit. 

With the facts being stated above, I am asking XXXX to re-evaluate this process and to reinstate my credit limit so that the negative downward spiral of my credit scores can stop and return to moving upward in a positive manner. 
I do not believe the XXXX is in the business to intentionally damage the credit scores of the XXXX card holders or any individual that make payments to them for their clients. 

Thank you,
Product: Mortgage

On XX/XX/XXXX, Specialized Loan Services ( XXXX ) sent me communication that there is a shortage of {$130.00} when they charge me for XXXX  taxes ( set by state of XXXX ) and insurance premium by my insurance company.That because of the shortage my payment will be higher By {$11.00} starting XXXX.My insurance payment had already gone up because the insurance company increase their premium up to {$700.00} for the year.The state of XXXX charged me about {$4400.00} taxes for $ XXXXThose are the legitimate charges that can be billed to me for XXXX.Any amount higher is illegal and unauthorized. XXXX billing of {$130.00} XXXX therefore is illegal and without merit because XXXX has no such authority.Therfore pls order SLS to recind that amount.. SLS have been doing this for several years to me and XXXX accounts similarly situated like me. I talked to XXXX, ID XXXX of XXXX to no avail.