23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I have repeatedly asked EXPERIAN CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, EXPERIAN CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX collection agency substantiating their claims ( account # XXXX amount {$990.00}. 
Furthermore, I have requested EXPERIAN CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 
This letter is in response to EXPERIAN CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that XXXX XXXX XXXX, collection agency, has verified that the ( account # XXXX amount {$990.00} ) they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. 
I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. 
I am maintaining a careful record of my communications with EXPERIAN CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your non-willfulness.
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 right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : 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 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( 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 importation in inaccurate.

15usc 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause cause to believe that the information is inaccurate.

You have a grave responsibility with fairness. I not only want fairness but also equity.
Product: Debt collection

XXXX is trying to collect on a debt that is time barred and more than twenty years old I have never made payments on this debt and I never will this is stolen credit card I have already been to Civil court with the original creditor XXXX and met with them and a mediation attorney the case was closed back then I believe XXXX   XXXX XXXX was collecting for them and this was in XXXX I do not want XXXX to contact me any more I have disputed this debt again in XXXX and every now and then they find me and send me another letter asking for payment on a debt that isn't mine the last letter was sent to my new address the letter is dated XX/XX/XXXX this is rediculous and they need to stop this once and for all
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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

Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount : {$1800.00} Actions : I was checking my credit report thru XXXX and equifax last week of XXXX and found out this student loan. I immediately call XXXX that was showing in credit report and belong to US Dept of Education. I told them that i don't have any student loan or pending student loan application. They told me it might be typo error and I told them that address phone no. in report belong someone else from California and we live in Texas since XXXX. I told XXXX XXXX XXXX that address, name and phone used to create the account is not accurate and this is fraud.Also, I didn't receive any mail notification and seems like this agency is doing phishing activity to get firsthand information then update the accounts.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX Bankruptcy : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

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

I have a charge-off on my credit file that was a result of my ex-husband applying for credit online and using my social security number without my knowledge and then defaulting on the loan. This occurred during the marriage. I have recently discovered the charge-off. I did not approve of this student loan or sign for it. 
We are now divorced and I need this charge-off removed completely from my credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Credit Inquiries on my Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report from [ credit bureau name ], I discovered inquiries made by companies regarding applications for cars and homes, which I did not initiate. These inquiries are likely the result of fraudulent activity as I have not applied for any such loans or credit accounts. 

I have already contacted the companies listed on my credit report regarding these inquiries. However, they were unable to verify the legitimacy of these inquiries due to discrepancies in the provided social security number, which does not match mine. This reinforces my belief that these inquiries are indeed fraudulent. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into these fraudulent inquiries and their immediate removal from my credit report. Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries, as well as any supporting documentation I have obtained from the credit reporting agencies and the companies in question. 

I request that the FTC investigate this matter promptly and inform me of the actions taken to rectify these fraudulent inquiries. Please provide me with any necessary forms or instructions to complete this dispute process effectively. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them. 
Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose them. AN Absolutely MADE UP TERM. Was not written anything close to that in my terms!!!! 
They changed terms for new card Applicants in early XX/XX/2018 but that is 45 days after my terms were already in place!!!! 
They are no help on the phone Apologizing for the mistake and saying there is nothing they could do ... ... 
They stole my XXXX sign up bonus points between both accounts!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE TWO HARD INQUIRIES THAT I DID NOT APPROVE OF WITH THESE COMPANIES ON THESE DATES. 

XX/XX/2019 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/2019 EQUIFAX XXXX EQUIFAX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had an American Express credit card. I closed this card more than a year ago. About two months ago I got a bill for credit secure service charge on this card, which had been closed. The card no. ends in XXXX. I called the credit card company agent on phone and explained the situation to him. I had not applied for credit secure service and I asked him how the charges were applied to a credit card that had been closed earlier. He agreed to cancel the charges and close the card again. Now again I am being subjected to the same experience. Somehow the credit card has been reopened and a charge for credit secure service has been added again. Some late charges have also been added to these charges. I have contacted the customer service agent on telephone today and spoken to him. I asked him how the card has been reopened to apply this charge. He said he does not have any information about closing of the card. He said he can cancel the late charges, but can not remove the credit secure charges. He forwarded me to their credit secure telephone number. However only automated replies were available and no human was available to discuss my situation. I feel that I am being harassed by the credit card company.
Product: Money transfer, virtual currency, or money service

2 transactions were sent via Zelle. I wanted to cancel the transactions immediately after initiating. The transactions were still listed as pending but Zelle told me I have to contact my bank and my bank could not help me until the transactions are complete. Although the money was already taken out of my account. But the Zelle app shows the transactions still pending. One transaction was for {$750.00} and another for {$270.00}. Both I wanted to cancel while still pending. My bank XXXX in XXXX, Pennsylvania XXXX XXXX XXXX XXXXXXXX XXXX Pennsylvania XXXX.
Product: Credit reporting or other personal consumer reports

I am a survivor of trafficking and have provided HireRight XXXX XXXX with the necessary documentation, as required by law, to block certain information from my consumer report. Specifically, I submitted the following documents Victim Determination Letter, The Final Rule, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Proof of Identification on XX/XX/year>. Despite my compliance with all legal requirements and my repeated requests, HireRight XXXX XXXX has failed to block the information in my consumer report. This failure is a direct violation of the following statutes.XXXX  Victims Protection Act ( TVPA ), XXXX XXXX Code XXXX, XXXX CFR Part XXXX ( Regulation V ), 15 U.S. Code 1681n. HireRight Holdings Corporation responded on 07/29/2024 claiming my documentation doesn't meet standards which is willful non compliance because these same documents been used to block information with other reporting agencies so the responded without blocking information with the 4 days allowed. I followed up with an Intent To Sue Letter on XX/XX/year>
Product: Debt collection

XXXX and XXXX placed Credit Collection Service collection account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing Credit Collection Service to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Product: Credit reporting or other personal consumer reports

Today is XX/XX/XXXX, I check my credit report and I saw fraudulent accounts open on my name, please remove this accounts, i never apply for for any loans or credit card with this companies listed below XXXX XXXX XXXX XXXX XXXX Last updated XX/XX/XXXX Balance {$28000.00} ^ Account Details DEROGATORY Account Type Credit Card Credit Type Revolving Opened On XXXX XXXX, XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$28000.00} Highest Balance {$28000.00} Credit Limit {$20000.00} Monthly Payment Account Credit Usage You are using {$28000.00} out of your {$20000.00} Credit Limit . 
{$0.00} XXXX XXXX : {$20000.00} XXXX - XXXX Last updated XX/XX/XXXX Account Details Account Type Credit Type Opened On Closed On Ownership Current Balance Highest XXXX XXXX Limit Monthly Payment DEROGATORY Credit Card XXXX XX/XX/XXXX XX/XX/XXXX Individual {$12000.00} {$12000.00} {$500.00} XXXX XXXX - XXXX Last updated XX/XX/XXXX Account Details Account Type Credit Type Opened On Closed On Ownership Current Balance Highest Balance Credit Limit Monthly Payment Balance {$3100.00} DEROGATORY Credit Card Revolving XX/XX/XXXX XX/XX/XXXX Individual {$3100.00} {$2600.00} {$2000.00} XXXX XXXX XXXX XXXX Last updated XX/XX/XXXX Account Details OPEN Account Type Auto Lease Credit Type Installment Open Since XX/XX/XXXX Ownership Individual Current Balance {$35000.00} Highest Balance {$110000.00} Remaining Term 10 months Monthly Payment {$2300.00} XXXX XXXX XXXX - XXXX Last updated XX/XX/XXXX Account Details DEROGATORY Account Type Auto Lease Credit Type Installment Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$21000.00} Highest Balance {$36000.00} Original Amount {$36000.00} Term 36 months Remaining Term 4 months Monthly Payment - XXXX XXXX XXXX  - XXXX Last updated XX/XX/XXXX Balance {$20000.00} Account Details DEROGATORY Account Type Auto Lease Credit Type Installment Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$20000.00} Highest Balance {$52000.00} Original Amount {$52000.00} Term 36 months Remaining Term 4 months Monthly Payment - XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$2900.00} Account Details DEROGATORY Account Type Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$2900.00} Monthly Payment - Original Creditor XXXX XXXX XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone Number XXXX Remarks Placed for collection XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$1600.00} Account Details DEROGATORY Account Type Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$1600.00} Monthly Payment Original Creditor XXXX XXXX XXXX XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address po box XXXX XXXXXXXX XXXX XXXX Phone Number XXXX Remarks Placed for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

The information contained within my file for XXXX XXXX is incorrect. The company states the account was open on XX/XX/2016 but also states that payment was made on XX/XX/2016. This information is innacurate and after multiple requests XXXX XXXX has not been able to provide any documentation showing the account was opened by the customer. They also have been unable to provide any documentation of payments made to the account on XX/XX/XXXX or any other date. XXXX is in violation of the FCRA. In accordance with the FCRA XXXX is required to provide any and all documentation requests. They have not provided any documentation for the account at all. The credit beareau is also in violation of the FCRA. The credit agency has failed to verify documentation of the debt to the borrower from XXXX XXXX. Pursuant to the FCRA the credit agency is required to formally verify that XXXX XXXX can provide accurate proof of the debt belongs to end userand all information contained in the file is accurate.
Product: Credit card

XX/XX/year> {$250.00} XXXX XXXX XXXX Goldman Sachs refuses to resolve an unauthorized charge of {$250.00} made on XX/XX/year> for a XXXX XXXX XXXX  that was made due to a stolen/lost device. Multiple attempts were made to resolve this dispute, and supporting documents have been provided. However, Goldman Sachs keeps stating that Account attributes dont suggest fraudulent activity. Additionally, no credit check has been reported on my credit report with the Merchant the charge was made from.
Product: Vehicle loan or lease

Bridgecrest has issued XXXX unauthorized charges from the checking account that I use to pay my car loan with them. I use this checking account to pay my car loan online every month and I pay my full payment amount every time, and yet these additional and unauthorized charges keep happening. I do not owe them any additional money, so I do not understand why they keep taking money out. I also do not have auto-pay set up and never did. All charges are supposed to be initiated by me when I decide to pay. After the second time it happened, I unlinked the checking account information from my online profile with them in hopes that they would no longer be able to pull money from that checking account. However, they must have my checking account information saved somewhere else as they have just taken money from me again for the third time. I have tried contacting Bridgecrest directly about this problem but they tell me each time that they can not see these charges. My bank has confirmed that the charges are indeed from Bridgecrest. I sent Bridgecrest copies of my bank statements as proof that they are taking the money from me. I have also filed disputes about the charges with my bank. Bridgecrest has not helped me and maintains that they do not know how this is happening, so the issue never gets fixed and my bank account keeps getting money taken from it. I suspect they have my checking account info linked to another customer 's account and are wrongfully using my money to pay another customer 's bill or that they have a duplicate account for me setup somewhere with my checking account linked and are charging that account. Either way, there is some type of error with their billing which they refuse to investigate and I keep getting money stolen from my checking account as a result. On XX/XX/2021, Bridgecrest.com took {$130.00} out of my checking account in an unauthorized charge. On XX/XX/2021, Bridgecrest.com took {$100.00} out of that same bank account in another unauthorized charge. My bank was able to reimburse me for these charges after filing disputes with them but it took XXXX weeks each time because Bridgecrest themselves refused to help me or return the money. And on XX/XX/XXXX, Bridgecrest.com took {$190.00} out of my checking account in the third unauthorized charge. I have contacted Bridgecrest again and am waiting for a reply. I am also attempting to dispute this charge with my bank but I will have to wait as it is XXXX day and all the representatives are unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax  is the worst credit reporting agency. I tried to use the online service to unfreeze my credit report but could not get into the system and it told me to call them. I then called and tried their automated system and went through verification of who I was and even got sent a security code to my phone. Even after that process it said I need to talk to a live person. Once I got in contact with a live person I was told I would need to fax them or mail them a copy of my drivers license and SS #. You have to be kidding me. Why would I need to do that. They have all of that information already and I verified who I was on the phone and answered all of their questions correctly. I have had no problems with any of the other credit reporting agencies.
Product: Credit reporting or other personal consumer reports

KICKOFF continues to ignore my request for them to validate the contract/digital signature details as % 100 accurate and complete without information withheld. KICKOFF has closed Multiple CFPB complaints under the statement that theyve already provided what Ive requested and my complaint is a duplicate.

I would like to be very clear that KICKOFF has not validated the information they provided as % 100 accurate and complete without information withheld in regards to account XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2023 I went to Kinsmith here in South Carolina and applied for a {$650.00} loan, and I give them all of my information and the lady said that it was going to take about 30 minutes and I would get a call. So 30 minutes later I havent received a call from them, until I called them on the following Monday midday and asked what was the status on my loan application, told them my name and the lady said that I was denied and that I would receive a letter from the company on they decision, so I asked her could she see why I was denied because yall dont do pulled credit or credit scores. So I waited until I received my letter and on the letter say that I asked for a {$1200.00} loan and I know for a fact that I didnt asked for one because they dont loan out no {$1200.00} loan. They only give out {$1000.00}. I believe it was the amount that I was denied, but I know that they using my information to other lenders because Im receiving unwanted phone calls and numbers from different lenders about loaning out loans..