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

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance Owed : {$12000.00} this is my follow-up letter to fix the account
Product: Credit card or prepaid card

On XX/XX/2023, I got an account notification from my NetSpend app stating that my account balance was - {$48.00} and sum change because of recent transaction of {$170.00} at A XXXX XXXXXXXX XXXX XXXX address : XXXX XXXX KS XXXX . I immediately logged into my account to see for myself, then I called NetSpend Customer service in order to dispute this transaction and cancel my card because obviously I have experienced fraudulent activity on my account. They told me that since the transaction was still pending that I had to wait until it posted to report fraud. So after checking my account the entire next day, the transaction finally posted on XXXX XXXX  that night so I decided to call and do my report early the next morning XX/XX/2023. During the call, I cancelled my card and certified that I didn't complete the transaction. I was given a claim number and explained the investigation process and also how to get a provisional credit. After the call, I emailed about the provisional credit as instructed. None was granted. However, on XX/XX/2023, I got a notification from my NetSpend app stating that a provisional credit of XXXX had been credited to my account. Only to be debited about XXXX minutes later. So I call them back and they tell me my claim had been denied because I didn't report my card stolen, nor did I change my pin, amongst many other factors that you will see when I upload my evidence. Their investigation tactics were not true because I called them as soon as I got the notification from the fraudulent transaction and cancelled my card. Then I tried to contact the vendor in which the transaction was posted and the place is bogus. NetSpend did not investigate this claim thoroughly and I really would appreciate if they do and give me my money back.
Product: Credit card or prepaid card

Capital One worst bank in America I have account Kohl 's and I have account with XXXX  and got {$2700.00} I got XXXX in XX/XX/2017 and I got Kohl 's and XX/XX/2017 still at {$300.00} and that was two years ago and never missed a payment.
Product: Debt collection

I am in the process of refinancing my mortgage. I pulled my XXXX credit report and discovered my credit scores dropped from XXXX to XXXX. Upon further review of my credit report, I discovered that on XX/XX/2020, XXXX sold a {$78.00} medical debt to : Credit Collection Service P.O. Box XXXX XXXX MA XXXX Credit Collection Service reported a {$78.00} unpaid medical bill ( for lab results ) to XXXX. I reviewed my  XXXX invoices to try and match the Account/Invoice numbers with my XXXX invoices, and could not find a match. On XX/XX/2020, I called XXXX at XXXX Billing and spoke with XXXX. I gave XXXX the Invoice # s and amount owed XXXX {$78.00} ). I stated that it is a violation of the HIPAA law to report outstanding medical debt, and asked why it was reported to XXXX credit bureau. XXXX checked and could not find a match. She also stated they didn't care about violating HIPAA laws and that they report everything, a instructed me to call the Credit Collection Service. I have left messages on XXXX.20 and XXXX20 and have not received a return call. The Lender ( XXXX XXXX ) will not proceed with my refi until the debt is removed.
Product: Credit reporting or other personal consumer reports

I am a XXXX veteran who has had fraud committed against me as a result i had to file for bankruptcy. This included a XXXX XXXX account and now a new account has popped up that i did not open. i filed for bankruptcy and they settled it on XX/XX/XXXX. They are not saying i opened an account ending in XXXX in the amount of {$500.00}. they stated I opened it on XX/XX/XXXX and charged off XX/XX/XXXX. i tried to dispute it but they won't take it off and this is stopping me from getting my loan going for a house with the va.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days an I haven't received any investigation results.
Product: Debt collection

Dear XXXX XXXX XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Money transfer, virtual currency, or money service

Skrill Transaction ID : XXXX Method : XXXX Date Submitted : XX/XX/year> XXXX {$700.00} Processed It was through a XXXX XXXX XXXX Once the money hot my account they closed it I contacted XXXX they said they paid out to skrill now what skrill does I need to take it up with skrill.. 

I've cashed out before and after this using my bank account my pulsz is still open there should be no issues with me accessing my money.. 
Contacted skrill and disputed they closed my account permanently today..
Product: Credit reporting or other personal consumer reports

I went to try to purchase a car through a dealership I was told that they had in-house financing and that I would only have XXXX hard inquiry after looking at my credit report they gave me XXXX hard inquiries on the same day because they try to go through different lenders and I was not aware of that now I have XXXX hard inquiries in which I did not approve of multiple lender to even place hard inquiries on my credit on the date of XX/XX/year>2024 XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX COAF
Product: Credit reporting or other personal consumer reports

XXXX has filed negative information on my account for XXXX years, limitations are expired, I've filed with the fcc attorneys General office of their state, fcra, violation, must be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Experian, And XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove various fraudulent accounts and inquiries from my credit report. In the month of XX/XX/2018 I mailed XXXX, Experian & XXXX asking them to provide me documentation they used to verify these accounts and inquiries. Yet to no avail, All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and 605 ( b ) and 604 therefore, the fraudulent accounts and inquiries must be deleted from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 I received a letter from Comenity Bank regarding my Arhaus Credit card stating they lowered my credit limit from XXXX to XXXX. The explanation they provided me with is they reviewed my credit through XXXX and due to my score being significantly lower which on their letter stated my credit score is currently XXXX which is incorrect! I called the company to try and resolve this issue and got no where. Was told to contact XXXX which I did and got a copy of my recent credit report. I just received my report that states my credit score is XXXX and I have no late pays or over the limit issues with Arhaus and No Late pays on any of my other cards! I am also aware lower someones credit limit can also hurt their credit significantly! I have never had a credit card company Lower my limit ever and Im appalled Arhaus did this to me which Is totally unfair and based off incorrect information!! I want my limit raised back to the original amount! If not, I plan to get legal representation but want to try and resolve this before taking it to that level.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX 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
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX 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 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

Dear Sir/Madam, I am writing to express my concern and dissatisfaction with the refusal of the three major credit bureausXXXX XXXXXXXX, and XXXX remove hard inquiries from my credit report that I believe were made in error or without my authorization. 

Despite following the proper dispute process through these credit bureaus, they have maintained the presence of these inquiries on my report, which is negatively affecting my credit score and overall financial health. 

Here is a summary of the situation : Date of Dispute : [ Date you filed the initial dispute ] Credit Bureaus Involved : XXXX, XXXX, XXXX Hard Inquiries in Dispute : Creditor/Company Name with XXXX are XXXX Westlake Service INC. on XX/XX/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 XXXXXX/XX/XXXX Reason for Dispute : " I did not authorize this credit check, '' or " I was not informed that this would result in a hard inquiry. '' ] I have followed all the necessary steps, including submitting a dispute to the credit bureaus with the required documentation, but have yet to receive a satisfactory resolution. These inquiries continue to impact my credit report, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

Given the situation, I respectfully request the FTC 's assistance in investigating this matter. I am requesting that the unauthorized hard inquiries be removed from my credit report immediately. If the credit bureaus continue to refuse this request, I would appreciate your guidance on further steps I can take to rectify this issue. 

Thank you for your attention to this matter. Please let me know if you require any further information from me to proceed with your investigation. 

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

Last year, I discovered that a Discover credit card account had been opened in my name without my knowledge or consent.

I did not apply for or authorize this account, and I believe this is a case of identity theft. I immediately filed a report with the Federal Trade Commission ( FTC ), documenting the identity theft and providing all necessary details.

I contacted Discover 's fraud department to report the unauthorized account and requested an investigation.Despite my detailed report and the FTC filing, Discover concluded that the case was not identity theft.

This conclusion is incorrect, as I did not open or authorize this account.

According to the Fair Credit Reporting Act ( FCRA ), once a creditor receives an Identity Theft Report, they are legally required to remove the fraudulent information from the consumer 's credit report. The FCRA mandates that companies must block the reporting of information resulting from identity theft.

My FTC Identity Theft Report constitutes a valid Identity Theft Report under the FCRA, and Discover is legally obligated to remove the unauthorized account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested ProCollect to validate an account that they have been furnishing on my XXXX and XXXX consumer report. ProCollect failed to do so and instead sent statements which is not validation of an account. After requesting validation from ProCollect and not receiving it. ProCollect then turned around and furnished the information on my XXXX consumer report. According to 15 USC 1692a, Congressional findings or Declaration of Purpose, ProCollect is hereby informed that as a result of there fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially.

ProCollect and its agents harassed me for an alleged debt that was not even validated. ProCollect shared statements as well as a copy of my Consumer Contract as evidence of the debt but as per the judgement in the case of Pacific Concrete F.C.U. V Kaunanoe copy of the Consumer Contract is not sufficient evidence of debt. 
Due to Continuous acts of deceit, coercion, and intimidation, I was forced to take an uniformed decision and move into a shelter
Product: Student loan

This started when I attempted to see if the recent SAVE act would decrease my monthly payments. 

I put in my data into Aidvantage 's website, and they automatically enrolled me in a payment plan that increased my monthly payments by almost XXXX. See screenshots. 

I immediately tried to change my payment plan back, but Aidvantage has prevented me from being able to do so. 

I emailed them as directed on XX/XX/XXXX, and received a 'no reply ' email that indicated I would receive a response in 2 business days. It is now 15 days later with no response. 

You can not call them since no one answers the phone. You can not 'request a call back ' as on their website as all times are blocked out. 

They are attempting to lock me into a higher loan payment and this negligence should be criminal.
Product: Mortgage

I hope that I have selected the correct options. I sold my home and when the title company went to get a clear title, it came back that I have XXXX home equity loans against my title. Bank of America has recorded my home equity loan twice. It has been. A week of constant contact with them, with no resolution other than they have to research this and it could take up to a month to resolve this. This is not my fault, but Bank of Americas fault. I am going to lose the sale of my home as well as the ability to start building a new home because of this. I call daily only to go to voice mail and when some XXXX contacts me I am told that it has been expedited for resolution and they have no idea how long it will take to research this on my dime. Any help that can be given to resolve this would be greatly appreciated. The resolution number XXXX. My point contact is XXXX XXXX, XXXX ext. XXXX. Thank you in advance in getting this resolved so I do n't lose the sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from my mortgage bank that my account was delinquent for the XXXX payment. This was around XXXX XXXX. My payment is automatically taken from my bank, and the money was deducted from my account. Unknown to me, the bank raised the amount due by {$50.00} to cover additional escrow. Because it was not the new FULL amount, they would not credit my account. 

When I spoke with them they explained what happened. I submitted the difference and adjusted my automatic payment to reflect the increased amount. The late charge was reversed. They did not tell me that this was reported to all 3 credit agencies as delinquent payment. I called them on XXXX XXXX to ask them to update the credit agencies that the payment was not late. According to law, I was told, they could NOT change the report. Because they mailed a letter that the escrow amount was increasing, my only recourse is to file a complaint with this agency. 

They received the full 100 % of the mortgage and the current full amount of the escrow, on time. They need to go back and fix my credit history so that it does not reflect that this was a late payment. They received over {$2000.00} on time, the gap which I was not notified is the ONLY cause for a delinquent payment. I want my credit score fixed to reflect the reality that I do pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX card, XXXX. Inquiries date : XXXX XXXX and also XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion willfully dropped my vantage score over XXXX points. This was a malicious act toward this consumer. I pay all my credit card etc on time and they are willfully lowering my score to keep me from being able to acquire any other loans. I disputed inquiries that had been on my report fraudulently and they lowered my vantage score. As a XXXX consumer I see this a being an attack towards my character and my credit. They have also failed to provide proof that they acquired a bankruptcy on my name and keep stating verified. I will be taking further action with the federal courts.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
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 XXXX XXXX XXXX XXXX XXXX, 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 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.