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

experian, XXXX and XXXX   all have different totals for my credit report which is damaging my name and my possibilities on getting employment potential housing and car loans as well as just information that is completely unfounded, as well as posting medical debt and posting accounts that have been bought by companies that I've never done business with and calling it accurate. This is a pure case of Defamation of character and I'd like it to be resolved ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

While checking my Discover credit card Activity, I noticed an Unauthorized Balance Transfer of {$500.00} Posted on XX/XX/2023 made as Miscellaneous. Which I did not authorized or consent to initiate the charged. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the balance Transfer Charge without permission. I request that your company either mail me a copy of my signed authorization form that gave you the right or Permission for this Miscellaneous Balance Transfer of {$500.00} that posted on XXXX. 
Apparently, this Vendor double charges to my XXXX XXXX Credit Card without my awareness and consent.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I am writting to disputed HARD INQUIRIES ON MY CREDIT REPORT.I have indentified unauthorized inquiries on my creditd report made without consent. The responsible creditors confirmed they have evidence of my authorization.I REQUEST THEIR IMMEDIATE REMOVAL. ACCORDING THE FAIR CREDIT REPORTING TO SECTION 604 ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authori, theses hard inquiries and can not find any permisssible purpose under this section that justifies their presence on my report I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XXXX. 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 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 " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I don't have the exact dates but I called Wells Fargo five times from the XXXX through the XXXX of XX/XX/year>. On the fifth call, I found out that my account was blocked. They couldn't tell me why and asked me to contact XXXX, who sent me right back to the bank. Neither party wants to take responsibility for it. I have been through the process of being shunted around like this for over a week. 

There is no stated limit on the amount of money that can be sent via XXXX but when I tried to send a XXXX dollars, ( which I had sent before without any problems ) they said that my limit was XXXX XXXX dollars. When I tried to send XXXX XXXX dollars they gave me a message saying that my transaction couldn't go through because of security reasons. Each time I tried to send the money I got a slightly different error message but was never told that I was blocked or why. 

This is a very poor way to treat one 's ( long-time ) customers. The recipient had an emergency and I was unable to get the funds to her.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Items to dispute : Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX  XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO, Employers : XXXX XXXX  XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX , CO XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1692 ( c ) the law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt that debt collector must cease all communication.

15 USC 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please remove the following from my credit report. immediately. 

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

After several complaints and attempts to get this error corrected XXXX XXXX and Credit Karma have failed to correct it. I did receive a letter from XXXX  XXXX saying they would remove the negative info, however they report me in arrears and still delinquent. this is affecting my ability to live and access thing I need at XXXX to prepare for retirement without becoming a burden to society. Not to mention illegal and against everything provided for the consumers protection from rip offs like XXXX XXXX! 

MY NEW PHONE IS ... ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I sent a Cease and Desist letter to the creditor. They ignored my request, this account is still being communicated on my credit file. I also received a letter from the creditor on dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute multiple accounts with XXXX XXXX and equifax and they have failed to correct the inaccuracies on my report. there are accounts that I am not liable for, and they these agencies have not supplied proof of my wet signature and many of other violations on my behalf as a consumer. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ). I will list the accounts that are inaccurately reporting and I would hope that you correct and look into these errors. I am a servicewomen and I am fighting for OUR country and I know this is a violation of my rights under 15 USC. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
creditor : XXXX XXXX  acct # : XXXX, creditor : XXXX XXXX acct # : XXXX, creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acct # : XXXX, creditor : XXXX acct # : XXXX these are these accounts that are misleading and reporting inaccurately on my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX thru XX/XX/XXXX i been trying to retrieve my money that was used in a scam.And when i called you, the money was still pending and u didnt stop it the transaction u told me that it had to be recieve first and then u could get my money back.. U told me to register my card on 4 attempts it never got register on the 5th attempt it was denied and you told me to report it to police ... And your custumer service was rude and horrible especially the foriegn women ... Your card was used and requested by this company to scam me out of my money ... And you didnt help me to get it back ut seem to me like you was in this together ... The Scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife, XXXX, and I applied for a HELOC in XXXX of XXXX and were approved in XX/XX/XXXX. We had no issues with credit or the process per se. However, the reason we applied at that time was the Fed was preparing to raise interest rates. We are both fairly savvy financial people both personally and professionally. During the process, I asked my loan originator whether my loan was a fixed rate loan and she stated yes. This was done both verbally and in writing. Unfortunately, due to Bank of America 's secure email system, I can not pull any of her communications. 

We now find ourselves paying an adjustable rate HELOC that goes up each month by many basis points. We have never ever signed on for an adjustable rate loan due to the uncertainty of them. In fact, I asked a very pointed question if I drew down the entire XXXX would my interest rate be fixed until repayment. The answer was yes. 

I also NEVER received loan documents until I requested them this past XXXX which state variable rate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report that I did not authorize I have been a victim of identity theft and due to the fcra I will like these to be treated fairly and have them deleted
Product: Credit card

Capital One routinely sends me prequalified credit cards to my home address and the name of former employees that I have had business credit cards for. I have contacted Capital One multiple times they continue sending mailers. I have opted out of the pre-screening list, however, Capital One is not sending these items in my name. They are sending them to my address and someone elses name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}
Product: Checking or savings account

I have opened a money market account with them where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. 

However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me.
Product: Student loan

My income based monthly repayment amount with Nelnet is {XXXX} ; so last year I paid {XXXX}. I received my student loan interest statement for 2021 and {XXXX} was applied to interest.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent proof of address to Experian which was updated on my credit report. However, Experian is refusing to remove the XXXX XXXX XXXX address that does not belong to me and is not associated with me. Also, Experian blocked me from filing my own disputes on their website and they still have accounts listed on my credit report that were removed from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  to raise my credit score. 
I now have a paid in full account as of XX/XX/2019 with XXXX XXXX. 
XXXX to update my credit score to higher!! 
Please send me proof this was done today -- my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). ARS Account Resolution has violated my rights. Litigation in the works now to resolve illegal matter.

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 antedates the report by more than seven years. 

Delete this account immediately from all three major credit bureaus. Failure to do so will result in litigation. 

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

I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, TransUnion, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
Product: Debt collection

I was contacted on XX/XX/XXXX while I was overseas by a collection agency XXXX XXXX represented by XXXX XXXX : XXXX about a claim number XXXX turned out ABC financial XXXX runs the billing for Best Fitness gym in XXXX NY XXXX sold them a debt of XXXX $ that I supposedly owe them. 
She refused to give me the option to challenge the debt or to send me anything in written that would explain this exuberant debt. The monthly fee is XXXX $ and I stopped paying them since XX/XX/XXXX. Here is why : on XX/XX/XXXX I signed a XXXX yr contract with the gym. On XX/XX/XXXX, I called to cancel as I have n't used the gym since XX/XX/XXXX XX/XX/XXXX or so and I lived in New York XXXX. They sent me an email with the address to which I should send a copy of a bill to prove that I moved ( XX/XX/XXXX, XXXX ) .I mailed them the same week that bill to the address provided to me in the email of XXXX XXXX unfortunately I have no proof of that mail no more ). In XX/XX/XXXX I noticed on my credit card statement that I am still being billed by the XXXX company. I called to tell them my subscription should have been cancelled since XX/XX/XXXX. They denied receiving anything and said that XXXX XXXX to whom I had talked to in XX/XX/XXXX was no longer an employee and they are not responsible for any correspondance between the XXXX of us and insisted on making me pay all the charges. I mailed them again another bill with certified letter this time of my new address XXXX XXXX XXXX and asked the credit card company to stop payments and to revert payments made after XX/XX/XXXX XXXX considering they should have stopped payment at that time, XX/XX/XXXX XXXX mo ). XXXX, in the event that I actually do owe them sthg still, it is definitly not XXXX $ which is more than 2 years of membership all together. I thought of contacting ABC financial but then I read about the scams of the collection agency and that even people who settled with the original company ended up by getting more phone calls and hassles. Can you please help me fix this issue once and for all? The only option XXXX fund gave me was to either pay the whole sum or get reported to the credit bureau on the spot!! and by the way XXXX is rude and practically accused me of lying to her as I complained I could n't hear her well while using a roaming service and when i asked her if there isn t a way to challenge this debt in some court or negotiate it and for her to send me something by writing, she goes : no, and if you do good luck, they re very good at getting every penny from anyone they want!!!! 
I am reaching out to you because I feel any further discussion with this company is not going to be in my favor as I have found lot of ripoff reports and complains of people who were in my situation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Notice for validation of debts. 

( a ) Validation information required. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. 
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). 


1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. XXXX debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, XXXX  debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).