23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already disputed a medical amount of {$95.00} from XXXX XXXX. The third company that was helping me out was Capio. This amount is no longer showing in my credit report. However, there is another debt collector called Asset Care trying to collect the money from me when this is already disputed. I called Asset Care to get a better hand information and all that they said was that this amount was right and it is no longer in Capio because it was sent to them. I asked them to dispute this bill amount of {$95.00} but it seemed that they did not want to do that and instead they offered me to pay {$55.00} to finish this payment when I called. I said no, I will retrieve more information about this and see what happens and so I did. I found out that this " medical bill '' is no longer in my credit report and I should not have to be disputing anything else with them but I am worried this will affect my credit score if it is not fixed.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$940.00} XX/XX/2018 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which 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 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 fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit Report if they can not be supported by evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove my credit freeze for the last five years. I place a credit freeze on my account in XXXX due to a security breach and i was offered free credit freeze/monitoring. My first attempt at a permanent freeze removal was through the Experian website in XXXX. A background for a job was flagged and I attempted to remove the freeze to open up my credit history. I assumed it was removed since my XXXX XXXX card was charged three times at {$5.00} per transaction ( submitted request to XXXX XXXX for archived copies ). In XXXX, I was in the process of looking for a new home when I was informed by the bank there was a credit freeze on my account. I, once again, filled out the appropriate information but this time, I mailed in all the requested documents along with a check ( i have proof of payment to Experian ). I assumed everything was taken care of. In XXXX, I applied for a XXXX XXXX credit and found out nothing was done by Experian. I mailed in documents on XX/XX/XXXX ( see attached file ), I have spent countless hours with my accountant, banks, accountants, Experian, etc for the last five years. I recently mailed a priority mail letter on XX/XX/XXXX with all of the documents ( see attached ). My tracking number shows arrival at the Experian Credit Freeze Removal address ( XXXX XXXX XXXX Tx ) on XX/XX/XXXX in the morning. I contacted Experian on XX/XX/XXXX and they said the package did not arrive and to call back 24 hours later. I contacted them on XX/XX/XXXX and Experian claims they do not have the package and it will take 3 to 5 business days to process. I asked to speak to a supervisor and she told me to call back on XX/XX/XXXX ( 7 days later ) to see if they received my package. I was then told by the operator that it would be another 7 to 10 business days to get a pin ( I requested a removal not a pin ). I am in danger of losing a vehicle loan due to this nightmare. I do not know what to do. I have spent over {$4000.00} dealing with this and I am back to square one.
Product: Credit reporting or other personal consumer reports

It's saying that I defaulted on a balance. However, I never received any funds or paid into anything? And it has severely impacted my credit score
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute multiple inquiries listed on my credit report dated XX/XX/XXXX. These inquiries are the result of identity theft, and I never authorized them. Additionally, my personal information was exposed in the XXXX XXXX data breach, which left my data vulnerable to fraudulent activities. Below is a detailed list of unauthorized inquiries I am disputing : List of Unauthorized 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 Section 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation into disputed inquiries and provide written results, including : The name of the furnisher who verified the inquiry.

Documentation they provided to substantiate their findings.

FCRA Section 1681e ( b ) : You are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$17000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. 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 number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5100.00} XXXXXXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$8300.00}
Product: Debt collection

I have never been a big credit card person. I have had 4 or 5 my whole life other than pre-paid. Each time it was for $ XXXX {$400.00}. I never made out and just had problems with the credit cards. My last one ( XXXX XXXX XXXX XXXX  XXXX XXXX who sold it at least a couple times. Midland Fund has had it since XXXX XXXX. Midland Fund had the Sheriff come out at least 3 times about once a year. Each time I took the paper notice from him and never went to court. I was XXXX from a damaged XXXX and could not get out of bed very much from XXXX. Midland Fund has had it for awhile and never tried to contact in the past two years. I have tried to contact Midland twice once very hard as I was able to pay it off as it started at {$200.00} and is now {$850.00}. The second time I told them even though I did not agree was going in for a XXXX XXXX and may not live through it and would like to pay off the bill with a slight deduction since I am going out of my way when I may die. I either never heard from them or literally got a message the day I had to go in for transplant. ( it is all hazy around then and i think Midland did not say anything good anyway if they called which i doubt ). I am a year in from a XXXX XXXX I get {$530.00} a month from SSI and help from my Mother. I have explained this and it means nothing. I just saw a had a hard inquiry from XXXX on XX/XX/XXXX 14 days before i went for XXXX and long after i contacted Midland. I have never been in a XXXX 's in person or online. If that means I tried to get a XXXX XXXX on XX/XX/XXXX when i was about dead it is a total scam and that alone should be enough to end this if nothing else. I am buying fishing poles, weights, and whatever else XXXX sells when i can barely walk up my stairs. I can show the documents from my credit score if need be. Thank You Very Much, XXXX XXXX
Product: Credit card or prepaid card

Two complaints for the same reason for two different credit card as listed below : -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XX/XX/XXXX. RE : Account Ending in XXXX -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XXXX XXXX RE : Account Ending in XXXX Actions : Account was closed at credit grantor 's request. Account was closed for no specific reason listed in terms and conditions. Closure resulted in negative remark on my credit report. Both cards were in good standing XXXX, XXXX, and current. I continue to pay a closed card and have not strayed away from my debt obligation with Capital One. However, this card was closed with no specific reasons. I filed a grievance with Capital One and all they can say is that it was an 'internal decision ' and they reserve the right to close the account. Fine! I can deal with that however they should not have the right to negatively impact my credit worthiness especially if I am paying on time and no derogatory remarks on my credit profile were ever listed by Capital One, not a 30, 60, or 90 remark since XXXX. My complaint is that I should not be held in a negative light since I have been making consistent payments to both cards and even paid off one card and I am continuing to pay more than minimum on the last card to bring down the balance to XXXX. Based on the FCRA, I feel that my right ( s ) has been violated.

**Attachment** XXXX Credit Report requested on XX/XX/XXXX | Highlighting Capital One Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( XXXX Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; XXXX  XXXX Balance Owed : {$240.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Product: Credit card or prepaid card

XX/XX/2021 US Bank Cardmember Service XXXX XXXX XXXX, XXXX, ND XXXX To whom it may concern, On XX/XX/2021, at approximately XXXX XXXX, I received several calls from US Bank fraud center alerting me that a fraudulent charge may have occurred on my credit card account, Upon reviewing the charge via the bank website, I confirmed that in fact an unauthorized charge occurred to XXXX for the amount of {$510.00}. I immediately returned the phone call to US Bank fraud center to report this fact. I spoke with a representative, who immediately cancelled the credit card number, issued a new credit card and disputed the charge. I was told that the charge would be reversed. 

On XX/XX/2021 I noticed that the charge was still on my credit card via the US Bank website. I contacted the US Bank fraud center by phone and was again told that the charge would be reversed. 

On XX/XX/XXXX, I received a letter by mail that stated that the fraudulent charge I received had never occurred and therefore the fraud claim was being dismissed with no action taken. I called the fraud center and spoke with a representative who told me that someone had made a mistake and that she could clearly see this was a fraudulent charge. She escalated the issue and told me I would be called by a manager within 48 hours. No one called. 

On XX/XX/2021 I called the Fraud Center again, to get an update, they told me that a manager had to call me. I told them no one called me and I wanted the issue resolved. They told me that there was nothing they could do. 

This is your notice that there is a mistake on my account, that the charge in question was not authorized by myself and that it is fraudulent. I am also notifying you that I am filing a complaint against US Bank to the Consumer Financial Protection Bureau about the issue stated in this letter since you have failed to act appropriately in resolving this matter. 

This letter will be emailed to you and sent through certified mail. 

Sincerely,
Product: Checking or savings account

I recently set up direct deposit with BB & T Bank, to receive my unemployment check. The direct deposit took 4 days to clear. Yesterday, i was at the bank to inquire about my direct deposit and the bank rep, XXXX XXXX, called customer service and was told the direct deposit did not even show up in the system. The rep calmed me down and reassured me that today would be the latest. I need the money for my Mother 's XXXXXXXX XXXX and food. Our power and light has been cut off due to not having the funds from my direct deposit. Today, I go to the bank and attempt to withdraw my funds and it seems that overnight, someone put a BLOCK on my ATM card. The bank rep was NOT instructed to block my card, no sort of conversation was ever sustained regarding a XXXX on my card. Due to lack of meds, food, lights, last night I had to have my Mother,  a XXXX XXXX survivor, rushed to the hospital. I believe BB & T has done this before as a form of embezzlement. Either way, I plan to bring a civil lawsuit against BB & T for misappropriation funds. I can guarantee you 'll find more cases like this! If you have 1,000 bank customers with direct deposit or just deposits and u BLOCK 500 cards because you know banks wo n't open and you can gain entrance from the funds in the account, it 's clearly embezzlement! I hope you really do an investigation and help the little guy! Thank you
Product: Credit reporting or other personal consumer reports

TransUnion sent me an updated credit report with the disputed inquiries still on it. I called Trans union on XX/XX/year> to inquire on how and what steps was taken to verify that the inquires were initiated by me. The representative advised me that the dispute was not done even though they received my CFPB complaint XXXX. I am requesting that the inquiries be removed immediately as this is now my third time requesting to have them reviewed and removed. Please assist me with this matter as I have not been successful with getting the proper information on the validity of the inquiries. 

I also have a FTC report number XXXX
Product: Mortgage

I have XXXX  on my mortgage. The lender is Huntington Bank. On the lenders mobile app i was informed that I can have XXXX removed if I have 20 % equity in the house. According to the Homeowners Protection Act XXXX must be removed when the balance of the loan drops to 78 %. So I used some savings to pay down the mortgage quickly below the 78 % threshold so that I would no longer need to pay the $ XXXX in XXXX. Huntington is refusing to drop XXXX  unless I pay them a fee to drop the XXXX. 

Huntington needs to drop the XXXX since I have reached 22+ % equity and NOT charge me a fee to drop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge inquiries showing on my report. For which I do not recognize Pursuant FCRA 604 I am demanding the removal of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Consumer Loan

I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.