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

I have disputed the below listed items as identity theft over 180 days ago as these items do not relate to any transactions Ive completed. It is my understanding that per the FCRA these items are to be blocked & deleted from my credit file within 4 days. They still remain on my report. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Product: Checking or savings account

On Sunday, XX/XX/year>, I made a payment for my XXXX credit card account for {$250.00} and used my Navy Federal checking account as the payment method as ACH. On XX/XX/year>, my credit card balance was {$280.00}. In XX/XX/year>, I was able to see the ACH charge from XXXX for {$250.00} and my balance was still {$280.00}. Today, XX/XX/year>, I received an email that stated I would be charged an overdraft fee due to insufficient funds, I logged in my balance is {$240.00}. Somehow a old charge was updated and took away cents to make my balance below the ACH charge from XXXX, that was already showing on XX/XX/year> and my balance was above the ACH charge amount. This is not fair and this is unjust and poor business practice.
Product: Credit card or prepaid card

My credit card was charged {$400.00} on XX/XX/XXXX. This was a billing error and credit card should have been charged {$240.00} for a food bundle as referenced in the payment authorization form. The merchant provided Bank Of America copy of a store credit that was provided of {$160.00} as part of the dispute process. The merchant failed to inform Bank of America that the store credit of {$160.00} was not used and the membership was canceled on XX/XX/XXXX. The merchant has overcharged the credit card by {$160.00} and Bank of America has allowed the merchant to overcharge my credit card by making a billing adjustment on XX/XX/XXXX for the {$160.00} that was in dispute. BOA did not do a thorough investigation to find out if the gift card ( store credit ) was ever used or if the membership was still active to use the gift card ( store credit ). 

We have another dispute with the same merchant for the same issue. Merchant charged {$400.00} on XX/XX/XXXX. 

I emailed merchant to request a refund be issued for {$160.00} on XX/XX/XXXX. Merchant said they will not consider refunding the overcharge amount of {$160.00} from XX/XX/XXXX until the other disputes have been resolved. 

The dispute was plain and simple. The payment authorization form signed on XX/XX/XXXX states bundle price was {$240.00} but merchant charged {$400.00}. Bank of America relied on false and misleading information provided by the merchant to make the billing adjustment on my credit card for {$160.00} on XX/XX/XXXX without even asking me to confirm if the gift card ( store credit ) was available for use. Again, this dispute is because the credit card was charged more than what was authorized. Dispute has NOTHING to do with the merchant 's return, refund or cancellation policy. 

Bank of America approved my claim for {$400.00} for the overcharge amount on XX/XX/XXXX which is the same situation that occurred on XX/XX/XXXX. The merchant is not following the terms and conditions of the payment authorization form and Bank of America is not requiring the merchant to comply with the terms and conditions as stated in the payment authorization form and charge the correct amount of {$240.00} for the food bundle. I have called Bank of America 3 times to explain the issue and Bank of America issued a denial of my re-evaluation of the claim of {$160.00}. 

Bank of America is allowing this merchant to keep {$160.00} of my money by not conducting a full and thorough investigation.
Product: Debt collection

ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED NCO, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that 3 credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had a credit card with Capital One for several years. As part of that agreement is an annual {$29.00} membership fee. The account has mostly been at a XXXX balance for the last several years. Last year I was charged the annual fee and not provided notice of that fee. They charged several {$35.00} late fees which they agreed to waive once I made the membership fee payment which I did immediately. At that time I also signed up for text message alerts for balances and payment information. I received a notice from XXXX XXXX regarding a balance on this account. When I checked online they had once again charged me the annual fee and two late fees. As soon as I logged in I received the only text message notice from them since XXXX of this year which was not in regards to the annual fee. They would not agree to waive all of the late fees nor the interest they have charged for the annual fee which again I never received any notification of being due.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. I have recently obtained a copy of my credit report and discovered inquiries from creditors with whom I have no association. These inquiries are unauthorized and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Pursuit of 18 USC 8, i owe no debt. These companies below are violating my consumer right to privacy pursuit to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my info pursuit 15USC 1681 4. 



XXXX XXXX XXXX Original creditor : XXXX XXXX  {$570.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$320.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$2700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$510.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1500.00}
Product: Debt collection

Creditor was sent an accord and satisfaction payment and had endorsed and deposited the payment. Now creditor is refusing to acknowledge they agreed to the accord by endorsing and depositing the accord and satisfaction payment. If they were not in agreement they should have sent my payment back but they endorsed and deposited and have receive the funds. 

This debt should now be paid as agreed via payment. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

This is for my XXXX XXXX XXXX ending in # XXXX. 

In order to business with XXXX factories from the USA ... the only payment method is Credit Card I had a {$4000.00} balance on my cc with a $ XXXX line of credit. 

I borrowed approx. {$2500.00} as a cash advance from XXXX. The next day I paid back {$5000.00} in cash to XXXX ... double what I borrowed. 

The cc company applied the $ XXXX I sent in to pay back my other cc balance, paid less than half of the cash advance balance ... and charged me ( and are still charging me ) the huge interest rate for the cash advance ... even though I paid back actually more than twice what I borrowed. 

This is fraud.
Product: Mortgage

I am extremely upset of the way Select Portfolio Servicing has handle my loan for the pass years. My hardship started since XXXX/XXXX/2015 due to loss of income when my wife and I have lost our jobs, I presented a complete modification packed to SPS to be review for a modification and all the required documents. However ; I have not been help instead SPS keeps prolonging my case making me fall more behind. I was recently approve only for a repayment plan for the amount of {$3900.00}. this is not affordable because my mortgage payment was for the amount of {$1900.00} before I started to fall behind, if I was not able to make my regular mortgage payments before I dont understand why SPS will give me a high repayment plan. I have Appeal numerous times the denied reasons however I am always forced to reapply. I am tired of the excuses they keep giving me in order to prolong my case. My intentions are to keep my house with an affordable mortgage payments. Based on my investors guidelines I should be able to be provided an affordable mortgage payment since my home is severely under water. I have open a complain with my attorney General XXXX XXXX for all the fraudulent and deceptive practices SPS is using in order to deny an affordable trial payment.
Product: Money transfer, virtual currency, or money service

On the date of I believe my XXXX XXXX  on what appears to be XX/XX/XXXX I sent my sister out with my debit card and phone to add the cash to my debit card from my XXXX  I had about XXXX dollars from my parents and relatives however I wasn't able to add that instantly so I sent my sister out to get some XXXX between 2 days put onto my cash app card however she would go on to later while I was sleeping use my phone keep in mind she's my step sister and it's XXXX  and is heavily self-centered not her own fault she would use my money on some kind of XXXX XXXX XXXX  that I'm not able to find out what it is to but XXXX dollars worth of XXXX  I wasn't aware of this because I don't use my cash app for anything other than subscriptions such as XXXX XXXX XXXX XXXX and occasionally XXXX XXXXXXXX XXXX there is no record of me buying XXXX  at any point that I remember I'm personally not interested in it and there is no way in the last 2 months that I have bought any XXXX  now cash app claims that quote on quote according to what I'm seeing that I authorize this purchase however I did not and I'm not sure what to do ... the {$700.00} was sent to somebody named XXXX XXXX and I'm not sure who that is and I've never sent money to him at all until what apparently is XX/XX/XXXX at around XXXX and I'm not sure what to do... much help would be appreciated as when it comes to XXXX  there's not much I really can do and there's no way I can prove or disprove that I gave permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX  days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX FAILED, NOW FIX IT. 

XXXX THINGS YOU BETTER UNDERSTAND : XXXX. THE LAW IS ON MY SIDE. 
You agreed to follow the Fair Credit Reporting Act ( FCRA ), and your inability to maintain accuracy is now your problem, not mine. 
XXXX. I KEEP EVERYTHING IN WRITING. 
Certified mail, CFPB every step documented. XXXX already failed to handle this once, so now XXXX here to make sure you get it right. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO EQUIFAX 's RESPONSE on XX/XX/XXXX on Consumer Finance Protection Bureau 's Complaint Detail XXXX ( Also attached as proof ), So how did the inquiries magically came back Equifax? 

FOUNDATION 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : You added inquiries to my credit report without my consent. Lets make it clear : I DID NOT AUTHORIZE THIS. 
By adding these unauthorized inquiries and failing to properly verify them, you violated 15 USC 1681b. I never gave permission, and now youre going to fix this.

15 U.S. Code 1681e ( b ) Accuracy of Information : You have a responsibility to ensure 100 % accuracy on my credit report. Yet here I am, again, dealing with unauthorized inquiries. This is not only frustrating, its illegal. Youve failed to uphold your obligations.

These inquiries do NOT belong on my report. Im challenging them because I never authorized any of them. You have no legal grounds to keep them on my file.

VIOLATION OF 15 U.S. Code 1681c2 Block of Information Resulting from Identity Theft : These unauthorized inquiries are not mine, which makes them fraudulent. Under 15 USC 1681c2, you are required to block and remove this information within 4 business days. Thats not optional its the law.

HERES WHAT YOURE GOING TO DO : 1. Provide the name and employee number of the person who authorized these inquiries to remain on my report.

2. Provide documentation supporting how you determined these inquiries were valid and that I gave permission.

3. Present a signed application with my wet ink signature authorizing these inquiries. We both know you wont find it because it doesnt exist.

NO E-OSCAR NONSENSE : Let me be very clear : I dont want some e-OSCAR auto-generated response from your system. I expect real documentation and proof that you followed the legal process. If you cant provide it, remove these inquiries immediately. e-OSCAR isnt going to save you this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

4. Validate Account US DEPT ED Account Number : 4694**** Please remove it from my credit report.

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked them to investigate my file for validation several times with little to no change and this is affecting my ability to obtain any credit anywhere at all. The information on my credit report is incorrect and Ive asked that it be removed immediately due to the fact that I did not obtain those accounts. Its been on there for more years than allowed and it wasnt even me. I have never been able to obtain credit anywhere because of this matter. Im asking to please remove them from my report. Plus they have been sharing my report with companies without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over fifteen years XXXX has deliberately put a lock on my ability to access my credit profile with them, rendering it virtually impossible for me to dispute either by phone or online all the errors they have on my report. Since they have impeded my ability to secure any credit from potential creditors over the years, my hopes of buying a house for me and my family has been thwarted. The struggle has been very daunting. 

So in XXXX, XXXX I wrote to XXXX via a Certified/Return Receipt mail, requesting that my personal data ie my correct name, date of birth, address, and current employer and phone number should be the only information allowed on my credit profile with them and no other irrelevant information which does not pertain to me. Until now, XXXX has woefully ignored my request and I have not received a response, months later. 

Also, I called on their attention to delete the following erroneous and unfair accounts which does not belong to me and has continued to impede on my ability to secure any measurable employment and worthy credit off my credit report. again, they blatantly ignored my request. 

1. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX Acct. # XXXX for {$3900.00} since XXXX, XXXX 2.XXXX XXXX Account # XXXX for {$1600.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX 3. XXXX/XXXX Acct. No. XXXX for {$40000.00} since XX/XX/XXXX C/O XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 4. XXXX XXXX Acct. No. XXXX for {$20000.00} since XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 5. XXXX XXXX Acct. No. XXXX for {$2200.00} since XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX/XXXX Acct. No. XXXX for {$920.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX 7. 09 XXXX XXXX XXXX XXXX XXXX Acct. No. XXXX for {$2700.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX 8. 11 XXXX XXXX XXXX Acct. No. XXXX for {$180.00} since XX/XX/XXXX XXXX  XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 9. 11 XXXX XXXX XXXX Acct. No. XXXX for {$1100.00} since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Product: Debt collection

I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : My records indicate that the payment in question was made on time. Attached are bank statements showing the transaction, confirming that the payment was processed before the due date. 
Inconsistent Reporting : The late payment is reported inconsistently across credit reporting agencies, as detailed in the attached summary of my XXXX, Experian, and XXXX credit reports. 
Account Activity Discrepancy : The account in question has been consistently marked as current in other months. The alleged late payment does not align with my payment history, as confirmed by XXXX XXXX 's own billing statements, which are also attache Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.