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

I did not authorize these investigations in my credit report that have the dates marked. 

CAPITAL ONE BANK USA ( XX/XX/XXXX ) CAPITAL ONE BANK USA ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) CAPITAL ONE ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent in multiple metro 2 compliance letters and they continue to ignore them and also act like they dont know its me and send me a stall letters, I need them to stop and make necessary changes, Ive sent letters to XXXX XXXX XXXX XXXX and Transunion , but the complaint will only let me upload one letter but they all got a letter like the attached letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX about several accounts including XXXX XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX XXXX. 

I submitted a dispute for the following report accounts above. XXXX has listed my reporting as late for XXXX when there are no late payments for this account this year. I spoke with an associate for XXXX who said they would remove the account because of a mistake on their end and this is still being reported. I also asked that the XXXX XXXX XXXX be fully investigated and that the documents be sent to me with the original contract from this company. If they could not provide that XXXXXXXX XXXX XXXX needed to be deleted off of my account. XXXX has failed to due an accurate investigation and is still allowing these companies to report inaccurate information on my credit report. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

My next step is filing a complaint with the attorney general 's office of Texas. This continues to be an issue and it's against the law what XXXX is doing.
Product: Checking or savings account

I reviewed my checking account recently and saw that unauthorized charges for {$490.00} have been occurring for 12 months from my Wells Fargo Checking account, amounting to {$5800.00} total. The first charge started on XX/XX/2022 and occurred monthly after that. The charges show up on my bank statements as " XXXX XXXX XXXX XXXX ''. I don't have any accounts with XXXX XXXX and when I brought it up with the XXXX Help line, they confirmed there were no accounts in my name and said they may have facilitated the transaction, but there was nothing they could do from their end and to bring it up with Wells Fargo. When I brought it up to Wells Fargo on XX/XX/XXXX, they said they would investigate and provide me a resolution in 10 days over email. On XX/XX/XXXX they sent a letter saying they were able to recover one of the payments and reimbursed my account {$490.00}, but the rest of the payments were " correctly charged to my account '' and as a result they can not reimburse the outstanding {$5400.00}.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

This company continues to lie on these complaint replies. When an online banking check check is sent via XXXX XXXX the date on the check is the guaranteed delivery date. The check payment in XXXX is dated XXXX. I have checked with XXXX and their records show guaranteed delivery date on the specified date of the check. So, Prosper says they received the check on XXXX which is atrocious. So, they take their grand ole time taking in payments and charging fees because they force me to making paper statements. Attached is a signed affidavit from the USPS stating no paper statements have been scanned for my address. This company provides zero proof and only fluff and no results. I had debt settlement companies contact them so I can get it transferred to a place that takes payments in the internet generation. There is no cease and desist on the account ( another fabrication ). There has been zero hang ups on my end but rather on theres yes. They lost over {$400.00} worth of payments. I have sent screenshots from my online banking and they refuse to resolve anything. A stuttering XXXX old man called and left an incoherent message on XX/XX/XXXX. Just give me a dang website so I can pay electronically like a normal person. If you take multiple business days to apply paper payments that doesnt benefit me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX : XX/XX/2017 Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 complaints. Today I received an updated copy of my XXXX  and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my XXXX  credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is Bank of America is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( bank of America ) keeps updating for other years which causes this fraud account to keep reappearing
Product: Student loan

I originally took out a private Sallie Mae school loan with a cosigner who agreed to pay half. This loan was used to pay for tuition and living expenses for XXXX semesters in my XXXX year. The following semester of what would have been my XXXX year, I attempted to take out another loan for my final XXXX school semesters. I was unable to do so, even with a cosigner, and was therefore unable to finish college. Since then I struggled with finding stable employment for 2 years, and by now the loan has defaulted. The cosigner has indicated no desire to make any payments and has become difficult to come into contact with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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  XX/XX/XXXX
Product: Mortgage

Hi I live in XXXX XXXX California at a company called XXXX is advertising 100 % financing on purchasing a home the down payment will be from a personal loan up to {$100000.00} that they lend you plus the mortgage which is 100 % financing is that still legal I thought those loans were not legal anymore
Product: Checking or savings account

My phone and wallet was stolen and all of my debit cards and account were attached to it. I recovered my belongings after a short time and reached out to the bank because I had to dispute some transactions that had taken place on account of the theft. I was given provisonal credit for XXXX transactions, although there were more than XXXX I had disputed. When I disputed the transactions my debit card was not cancelled. Several days later I called to check on the status of the disputes and the agent decided to not only cancel my card that I had been using since recovering it, but dispute transactions that I was very very clear that I had been that XXXX that made the transactions. Several days later, after explaining to them that my check was being deposited into the account Citi Bank over nighted me via XXXX a new debit card. I acivated my card and logged into my online banking online to discover that they had XXXX closed my account for Fraud and they will not give me any information and I am unable to access my funds or print and itemized statement of my checking account which I need for court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Duty pursuant to the Federal Credit Reporting Agency, it is EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting incorrectly for my total balances Experian claims that I have {$140000.00} in overall debt. That is wrong. XXXX XXXX XXXX show a balance of {$100000.00}. This is incorrect. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. With that said, the reporting of the results of the inaccurate balance in EXPERIAN violated my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate balance on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this erroneous accounts. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Mortgage

HI, I requested a XXXX  for PMI removal in XXXX, sent in the required form and check in XXXX, they sent the appraiser in XXXX, I got inaccurate information on the XXXX. I let them know in XXXX about the inaccuracy. In XXXX they told me I have to send in the supporting information to XXXXXXXXshellpointmtgXXXX. I sent it in in XXXX and I didn't get responses since then till the end of XXXX. The Responses I got was that they never received the information I sent and that XXXXXXXXshellpointmtgXXXX is not an official channel
Product: Credit reporting or other personal consumer reports

There are several collections on my account that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX for a free credit score check. They linked me to XXXX, which supposedly is the only way to get this federally mandated service, bar paying a private company.

I've sent them a message but upon closer inspection it seems the one important part that every employer, bank, loaner, etc can access is not available for my own perusal. Now I'm sure this is all a huge mistake and this super sensible rule of not charging us good people once a year to check a fancy number that rules a large part of our life is still in effect. Feel free to contact me for more information. I mean I'm sure you have all the information on me you could ever want. Like my credit score. Gosh how lucky.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay a monthly fee to Equifax for credit monitoring services which are suppose to be unlimited monthly reports however im Unable to get my report and my creditor are unable as well ... Im still charged the monthly fee and have called the credit bureau twice a month for the past 6 months at which time they will say something needs to be updated but never resolve my problem completely .... in addition they have failed to complete previous complaints filed on them thur your service ... I have sever credit accounts for which no payment information has been updated since XX/XX/XXXX and several new accounts that fail to appear on my report although the creditor provided proof Equifax was notified of updates.
Product: Credit card or prepaid card

On XX/XX/XXXX I had paid a XXXX XXXX course {$260.00} to attend the first day of class. InXX/XX/XXXX, I had a dispute with the merchant because they did not sign me up for the first class. I called XXXX XXXX and opened a dispute. The merchant never fought the dispute and allowed me to attend class. I entered into an agreement with the merchant to pay to pay the sum of {$270.00} cash and just reverse the charge on the credit card. I did so and there seemingly was n't a problem. I was credited the {$260.00} on my XXXX statement. On my XX/XX/XXXX statement, there was a charge of {$260.00}. I had called Citibank again to find out why I was being charged. They told me that they would conduct an investigation. I was sent a packet showing that I was charged an additional {$260.00} from their audit department. I have been calling since then and told different things depending on who I spoke to. I would either be told that the merchant never returned the money or that Citibank incorrectly debited me an additional amount. Finally, at the end of XXXX I was told that I would receive a credit of {$260.00} within two billing cycles. My XXXX statement arrived and I still have not received a credit. All Citibank does is have me call back or they call back and tell me I 'm getting a credit but they are not sure why I have not received it. It has undergone several investigations with the end of the reports stating I deserve a refund. As of XXXX XX/XX/XXXX I was given a long recap of the events that happened as I had explained numerous times only to be told, after weeks of being told I will get a credit, that I am not entitled to the {$260.00}. The way Citibank has handled this matter is an embarrassment. No one can give me a straight answer, they contradict their own findings and investigations, and now I have to take time and money to pursue legal recourse with all parties.
Product: Credit card

I paid additional funds to put extra credit on my XXXX Mercury credit card to pay my mechanic plus cover travel costs. They blocked the account and I couldn't use the card. Transactions were getting denied. I called them on XXXX and was on the phone with them over an hour where they informed me that they blocked transactions due to suspicious activity. I asked them what the suspicious activity was and they said that it's because " a large payment was paid to the account ''!!!! 

They verified that it's me who made the large payment and sent their verification code to my phone and still they would not unblock my account. The total funds of {$1400.00} is tied up on my card & I can't use it even 3 days later. 

I'm on the phone right now with them again & they can't even connect to a supervisor to resolve my issue.
Product: Credit reporting or other personal consumer reports

Wells Fargo closed my paid off account as requested over the phone in 2019 however they did not update the late payment remarks on the account that the agent I spoke with agreed would be removed since I paid the balance in full. 

Under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1.Midland Credit Management 2XXXX XXXX As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : XXXX. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
XXXX. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
XXXX. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

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

The information provided in these papers isn't associated with me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$0.00} - ChargeOff XXXX XXXX Account # XXXX Date XXXX Balance Owed : {$0.00} - ChargeOff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} - Late/closed Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$820.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX and Experian Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2022 Because I did not apply for credit with XXXX. 
Please launch an investigation into XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.