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

I want to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize and so I want to dispute these fraudulent information. It seems that someone may have used my personal information without my consent to initiate these inquiries.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Proof that I owe this debt, including a copy of the original contract or agreement with my signature.

2. The amount of the debt, including a detailed breakdown of how the amount was calculated.

3. The name and address of the original creditor.

4. Proof that you are legally authorized to collect this debt in my state. 

XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Company Sold : - Account Type : Collection Account Date Opened : XX/XX/XXXX Status : Unpaid Status Updated : XX/XX/XXXX Balance : {$1800.00} Balance Updated : - Paid Off : 0 % Monthly Payment : - Past Due Amount : - Original Balance : {$1800.00} Terms : - Furthermore, I request that you cease all communication regarding this matter until the requested validation has been provided. 

If you are unable to validate this debt, I request that you remove this account from my credit report and stop all collection efforts. 

This letter is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. Please consider this a formal dispute of the debt. 

Thank you for your attention to this matter. I look forward to your prompt reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prodigy reported 2 missing payments each to XXXX for two loan accounts when I have been in continuous ( sequential ) forbearance arrangements. Here are the details of the Forbearance arrangements : XXXX. First XXXX extension request - first repayment date will be XXXX XX/XX/2022 as per Prodigy. 
XXXX. On XX/XX/2022, I applied for Forbearance ( request XXXX ). The request got approved and I wont have to make a payment between XXXX XXXX and XXXX XX/XX/2022. 
XXXX. I got a further extension on my forbearance which stated that I do not need to make any payments between XXXX XX/XX/2022 and XXXX XX/XX/2022. 
XXXX. Lastly, I again applied for an extension which stated that I wont need to make a payment between XXXX XX/XX/2022 and XXXX XX/XX/2022. 

I have been corresponding with Prodigy since XXXX regarding the late payment issue reported to XXXX, which is incorrect. Prodigy agreed over email that they reported erroneously and they have been giving me multiple dates by when the error would be rectified by prodigy, and my XXXX Report would be updated with " no missing payments. '' It has been close to 5-6 months and my XXXX report has not been updated.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b 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. 

List : XXXX, XXXX, XX/XX/2021 and XX/XX/2021 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Product: Credit card

It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 

INFORMATION FOUND Lender : FNB OMAHA Inquiry date : XX/XX/year> I did not apply for a credit card of a loan
Product: Credit card or prepaid card

The reason for my dispute is because Capital one credit card is totally ignoring my claim # XXXX. this is why on XX/XX/2021 I received car repair from XXXX XXXX XXXX XXXX  of which I sent a letter on XX/XX/2021 to capital one explaining all of what happen and that I am unsatisfied with the services provided by the above mention and feel scammed and helpless that I had also contacted XXXX XXXX XXXX XXXX Corporate Filed # XXXX on XX/XX/2021, XX/XX/2021 and they never answer back also ignoring my claim. I also provided capital one with the inspection report and the breakdown of charges, also provided the sale contract where you can see the that I trade it in the vehicle service at XXXX the very next day Because my vehicle broke down completely which force me to trade it in for the lowest amount but capital one does not understand that this vehicle was sold and I can not provide a second opinion from a merchant on the same field its impossible so capital one decided to close my case and charge me all that money that I got scammed back into my credit card so I can pay high interest on a scam of which I was the victim of.
Product: Credit card

Good Afternoon, My complaint is with Wells Fargo Bank and payment recording policies on XXXX. During the last ( XXXX ) years I have paid from the same Bank ( non Wells Fargo ) never late ; However, when I pay my balance in full they apply a hold on the account. Most recently, on XXXX XXXX I paid {$3300.00}, which posted from my XXXX financial account on XXXX XXXX 2015 ; consequently ; As of XXXX my founds are still on hold while Wells verifies my account. As mentioned this is the third time I have been declined at time of purchase to make aware of issue. I believe further investigation will show my average daily balance and interest may be affected and if this practice is policy for millions of customers, this is unfair. I have previously had XXXX XXXX XXXX information verifying this is my account. I have asked Wells to state what amount triggers the Hold and I was informed they can not disclose. So basically, they pick and choose which payments go on Hold and post in XXXX hours. I made other payments from the same account in XXXX that have posted. My funds were deducted on XXXX days ago and unavailable. Please assist.
Product: Debt collection

On XX/XX/2018 I received a statement via mail stating that my account has been forwarded to our office for collections for {$790.00}, this notice came from XXXX XXXX XXXX. I Called XXXX right away and was told that amount owed on the statement is for property taxes, I asked XXXX XXXX for proof of this. Prior to this statement I was never notified of this bill there was no bill and no phone calls. On XX/XX/2018 I again called XXXX XXXX and was told that the bill was the license plate, I was given different information on XX/XX/XXXX and different information on XX/XX/XXXX. I  again asked for proof and an explanation for what this bill is for and why was I never informed the rep stated he will email me the information. To date I have not received any documentation. I no longer own this vehicle and have not owned this vehicle since XX/XX/2018. XXXX XXXX never contacted me thereafter, never sent me any communication until I received a collection notice on XX/XX/2018. I was unaware of this owing balance which XXXX claims I owe. I have a new vehicle and I think XXXX XXXX is trying to double bill me, this is why there is no proof and I have not been contacted prior to this notice.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i have ask the credit bureaus to delete account off my reports they refuse and allowing the company to report all of these account active all three of my credit report is outdated and wrong the address is not updated
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I got diagnosed with XXXX XXXX XXXX, so the monthly payment of XXXX was to much for me to continue to pay so iv asked to lower my payments due to not working as much, XXXX, an my XXXX XXXX. A still havnt received an answer. I financed my used XXXX  XXXX XXXX at 23 % interest rate the cost of the truck was only XXXX its worth XXXX an with after interest it came out to XXXX which is crazy but I need a vehicle so I was desperate an I was a first time buyer at the time of purchase. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I wan na apply for the auto loan, the lender can pull XXXX  and XXXX easily. But Equifax is not allow any lender to pull my credit. I called them every day more than one month to solve this error, but the problem is still exist. All lenders said when they tried to pull my credit, block was there. Equifax agents told me my credits there, no freeze ... no block ... on their end ... and I can request the paper document through mail, but the lender do not accept any documents I offered, they just want pull my credit report online on their system. Also, when I log in to my Equifax online account, it always shows error message, it shows " please call customer service center ... '' I called dozens of times, the agents can't do anything, but I can't do anything on my end. " FROZEN '' status is still there on my end what I can see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of refinancing my mortgage.
Product: Prepaid card

I had a direct deposit on XX/XX/2022 that was sent to my cash app in the amount of XXXX from my employer XXXX  the total amount that should have been direct deposited into my cash app account shouldve been XXXX. Cash app shorted me {$200.00} and refuses to rectify the situation I contacted XXXX  XXXX  said they sent the correct amount
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I have reached out to each company and havent gotten any positive results I do not recognize any of the above inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX  Please remove the following employers : Not Provided, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters ( from XXXX XXXX ) asking them to investigate several accounts on my credit report. They came back as verified and when I pulled the updated copy of my report it still showed numerous inaccuracies. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX, they shut down and I could n't get my degree. Was contacted by a group called XXXX XXXX about getting my student loans dismissed. Paid them close to {$900.00} for their services. I am getting bills from Navient regarding my student loans. Tried to make contact with XXXX XXXX, but seems like they are being sued and their phones are n't working.
Product: Debt collection

In XXXX or XXXX of XXXX, I decided to leave the US to travel abroad, due to social stresses and personal loss. I turned in all my equipment to XXXX XXXX XXXX XXXX in XXXX XXXX. I am a 100 % VA XXXX rated Veteran and had no previous issues with XXXX. However, they said I was missing a cable box, which was not true. My bill reflected all the equipment I rented. I showed this to XXXX and they told me that it was possible the installer could have incorrectly recorded an additional box. I rebutted if that were true, it would have reflected in my monthly bill. They said they'd look into it. I left the US totally debt-free. ZERO debt. I have been traveling outside the US, ever since XX/XX/XXXX. I am presently living in XXXX, XXXX. I had no clue the matter was still an issue until I saw a {$310.00} collections on my credit report from XXXX XXXX XXXX , XXXX in XXXX of XXXX for XXXX XXXX. It was the sole blemish on my credit. I disputed it and it was removed from all credit bureaus. However, the following year on XX/XX/XXXX, another collection agency, Berlin-Wheeler, KS reported me again for collections to the credit bureaus, almost 6 years after the fact. I do not owe this debt. I never did. Had this been something I owed, I'd have paid it immediately, especially since it is a small amount. I have no problems admitting to or paying a debt. If I had financial problems, I would have worked out a pay arrangement. I left the US, debt-free. Since then, I have searched several forums and reddit pages that show this is a common practice of claims that equipment was not returned upon termination of service, particularly when the customer is leaving the state. I don't know what to do at this point. Even if it's resolved in my favor, there is still the chance I'll contend with this same issue again next year. This is akin to being sentenced to 5 years in prison for a misdemeanor. I'd have paid {$310.00} if I owed it. I know I'll return some day and will need cable/internet service.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit card

I closed my credit card account with XXXX, last year. They are continuing to charge a maintenance fee and annual fee, although the account is closed. I have a small balance I am still paying. Although they say I agreed to these charges while I have a balance, I understand that it is against the law to charge for these fees on a closed account. They are refusing to remove the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX # XXXX After receiving my XXXX XXXX  credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX transunion/ XXXX XXXX/ XXXX XXXX  complaint and these still appear on my consumer report.
Product: Student loan

Transunion reporting student loans Department of education/XXXX XXXXXXXX {$4500.00}, {$4000.00}, {$2600.00}, {$2300.00}
Product: Money transfer, virtual currency, or money service

I NEEDED TO RENT A CONDO AT XXXX XXXX XXXX, SO I CHECKED AVAILABLE CONDOS LISTED ON XXXX. I REPLIED TO AN AD. TALKED WITH XXXX XXXX AT " XXXX XXXX XXXX'. PHONE # XXXX, EMAIL XXXX. SHE SENT ME A CONTRACT FOR THE UNIT WITH ADDRESS, UNIT # AND XXXX PICS OF CONDO. I SIGNED CONTRACT AND EMAILED TO HER. SHE THEN ASKED ME TO PAY TO SECURE CONDO. SHE TEXTED ME A LINK TO PAY HER VIA XXXX. I SENT HER FULL PAYMENT OF {$1100.00} VIA XXXX. SHE REPLIED IT DIDN'T GO THRU AND CREDITED/REFUNDED ME THE AMOUNT. SHE THEN ASKED ME TO WIRE HER THE MONEY TO HER " COMPANY ACOUNT : XXXX XXXX XXXX, NAME : XXXX XXXX XXXX, CHECKING # XXXX, ROUTING # XXXX. BUT I FOUND OUT MY BANK CHARGES {$30.00} FOR A WIRE TRANSFER, SO I TOLD HER I WILL TRY XXXX. SHE GAVE ME THIS ACT INFO FOR XXXX : ( ACCT NAME XXXX XXXX XXXX ). I HAVE NEVER SENT $ VIA XXXX BEFORE, AND DIDN'T KNOW WHAT INFO I NEEDED, BUT I THEN TRIED TO SEND HER PAYMENT VIA XXXX. XXXX COULDN'T SEND PAYMENT TO ACCOUNT INFORMATION SHE GAVE ME. SHE THEN ASKED ME TO SEND HER A WIRE TO " XXXX XXXX, ROUTING # XXXX, ACOUNT # XXXX ). SHE TOLD ME XXXX XXXX IS THE REALTY COMPANY SHE WORKS FOR, SO I WIRED HER COST OF CONDO FROM MY BANK ACT TO THE COMPANY ACT INFO SHE GAVE ME. IT STILL DIDN'T GO THRU. SINCE I COULDN'T GET THE PAYMENT INTO THE " COMPANY '' ACCT, SHE TEXTED ME TO WIRE IT TO HER AND SHE'D PAY HER COMPANY FOR MY CONDO RENTAL. SHE THEN GAVE ME HER PERSONAL ACT INFO AND TOLD ME TO WIRE HER ACT : XXXX XXXX, ROUTING # XXXX, CHECKING ACT # XXXX, ADDRESS : XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX. I SUCCESSFULLY WIRED THE {$1100.00} TO THIS ACT. AFTER THE WIRE WENT THRU TO THE ACT LISTED ABOVE ( I REC 'D CONFIRMATION FROM MY BANK THAT IT WENT THRU SUCCESSFULLY, INCLUDING THE {$30.00} FEE ), I WASN'T ABLE TO GET AHOLD OF HER ON EITHER TELEPHONE # I HAD FOR HER. I EMAILED HER BUT DIDN'T HEAR BACK. I SHOULD HAVE KNOWN BETTER ; KNOWN THIS WAS ALL A FRAUD, BUT IVE BEEN LOOKING FOR A CONDO FOR OUR VACATION FOR MONTHS, AND WANTED TO SECURE ONE. XXXX AND I WENT BACK AND FORTH FOR A COUPLE WEEKS, BEFORE I FINALLY WIRED HER THE . SHE WAS SO CONVINCING ; CALLING ME, TEXTING ME, FEEDING ME ALL THE INFO I WAS ASKING FOR ( SUCH AS WHAT COMPANY SHE WORKS FOR, ETC ).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Experian has failed to report my one of my credit cards current usage. the last update was in XXXX but they have failed to update XXXX and XXXX credit usage. Since utilization is such a big part of your credit profile they are not reporting the correct and current credit usage to one of my credit cards and I have paid the balance down to 0 %.
Product: Debt collection

I was sent into collections for i guess a XXXX account opened in XXXX i do not live their and havent lived their in 6 years i live in XXXX i know who i think did this and i have reported to police and federal trade comission. also i have froze all my credit reports. i am having no success in having this removed from my credit.