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

FINAL NOTICE OF DISPUTE Equifax and XXXX XXXX XXXX This is the last and final notice XXXX XXXX have addressed several points to the validity of the alleged debt you XXXX XXXX XXXX that she does not owe that is reporting on Equifax. I am disputed this alleged debt, make sure that is reflecting on my credit report. 

XXXX XXXX is requesting : ***the credit card agreement/contract, ***consumer file with my signatures for disclosures your company have provided ***Written Permission to report anything on my credit report. 

I do not give permission to report alleged debt on my credit reports. REMOVE IT. 

Pursuant to 15 usc 1692, I cease and desist XXXX XXXX XXXX from reporting anything, communicating with any entity about this alleged debt. 

XXXX XXXX XXXX and Equifax has 30 days to send documentary evidence requested in this letter, remove accounts off my credit reports. If not, I will proceed with next steps for legal action. This is ill affecting my mode of living and this needs to be rectified immediately from COMPANY and CRAs.
Product: Credit card or prepaid card

The American consumer needs help, please expose the new way banks have suppressed credit. We hear so much about Donald Trump there is no space for consumers. There is always something more important to talk about in the media Who is monitoring credit card and credit score reporters So here is my new realization. The lowering of my credit limit has greatly affected my credit scoring, which in turn has affected the way that my other credit companies are viewing me. So, without me doing anything, my credit scores have plummeted. Because of the falling scores and the balance to available credit limits being forced into a balance to limit ratio by the credit card companies own actions, my credit scores are now below the national average. 
I pay ALL my bills on time and for the right amounts. I kept most of my credit card debt ratios BELOW 30 % and have now been reduced to being classified as a high-risk account holder and am being assessed higher interest rates for my remaining balances. I FOLLOWED ALL THE RULES OF MY CONTRACT WITH THE CREDIT CARD COMPANIES AND THEY REWARD MY LOYALTY BY FORCING MY CREDIT SCORES INTO THE GUTTER. 
If I defaulted on my contract with them, my credit scores would be where they are now. SO, TELL ME WHAT IS THE REWARD IN MY PAYING THEM AT ALL NOW THAT MY CREDIT IS AS IF I HAD BEEN A DEADBEAT?? By the time my credit scores return to where I had them, and paid off with the NEW interest rates that they have given me. Wells Fargo could not give me a satisfactory answer to why they lowered my score.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account ans can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>,
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX  They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Product: Money transfer, virtual currency, or money service

I have contacted Venmo on three occasions requesting that my account be closed. They have responded requesting a copy of my government photo ID to verify my identity. I do not believe this is a legitimate ( or proper ) request to close my account.

It is clear that this is common practice to make the process difficult enough where customers will not pursue the account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, equifax, XXXX, XXXXXXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right.

I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions Ive disputed the address below that shows on my credit report. This is NOT my address. Ive never lived in this city and have proof of living in another city during this time. This address belongs to a correctional facility and there is an inmate number attached to it. Very damaging to my reputation. I have had several problems due to this including not being able to enroll in school because of student loans issued and never paid by someone at this address. My latest dispute has a confirmation number of # XXXX on XX/XX/20. On XX/XX/20 I was asked 4 identity questions at XXXX XXXX XXXX all pertaining to this address. Ive spoken to 4 Equifax representatives that confirmed it is still showing and no answers other than to dispute it again. This is unacceptable!!! Ive been denied a XXXX XXXX XXXX XXXX because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We just realized that we should check our daughter 's credit report ( XXXX is XXXX ) as well as place a freeze to her credit for her own protection against fraud and identity theft. However, we attempting to do so, Equifax ( you know the company responsible for the Data breach that made freezes free to everyone ) wants us to mail in copies ( adults and child 's ) of our Social Secuity cards along with driver 's license, and birth certificate cards, with their form. If this gets lost in the mail or stolen, there goes all our most vulnerable information for someone to steal all our identities. How is this the correct course of action and what can be done about it? 

While I am here, why is XXXX allowed to charge you for their XXXX boost services. You mean to tell me that I don't actually have to be a good consumer, all I have to do is pay you money and you'll raise my credit score?
Product: Debt collection

This is the second time within two months that I have received notices from a collection agency for medical bills for XXXX  XXXX XXXX. In both cases I was never billed by XXXX  XXXX XXXX  for their services. I replied to the first notice and paid the amount owed. In my reply I suggested that XXXX  XXXX XXXX  amend their billing process to ensure the customer was billed and provide a second notice before submitting to a collection agency. 

My advice was ignored and I have now received a second bill with the same circumstances. The practice by XXXX  XXXX XXXX  of failing to bill the customer and sending the bill to a collection agency is unfair. I am now very concerned that my credit rating may be adversely affected for a bill I never received. 

This practice by XXXX  XXXX XXXX  must be stopped. It is not only unfair but a complete waste of time and resources by both parties.
Product: Money transfer, virtual currency, or money service

PayPal has closed my account, and is keeping my money for an undetermined period of time.

PayPal says that I violated their terms of use by buying or selling firearms with their serivce. This is not true, and they have given me no means to contest the matter.

I am a licensed firearms dealer, and we use PayPal occaisionally to invoice customers for binoculars and scopes. We also use PayPal to pay an employee who works overseas.

The Comptroller of the Currency issued an order for financial institutions to not discrimiate against legal business transactions.

I have always used my PayPal account in a proper manner, and had it open for years.

This account is a business account. PayPal also closed my personal account, and I get regularly scheduled payments into that account
Product: Debt collection

I have a past due balance with the XXXX XXXX XXXX  which is now in collection. I was never given the opportunity to set up a payment arrangement. They set up a payment for me that was very high. I couldnt afford it. They have since taken my tax return, which isnt reflected in my balance. They never acknowledged that they took it. They are now threatening to garnish my wages. I sent a previous complaint against them and they sent me a letter stating I could file a hardship with them and possibly get a payment arrangement. They said they need my last few months of banking statements as well as mortgage payment information. I dont believe a collection agency should ask for that information. I merely want to set up a payment arrangement. I dont think they need to have my bank account info and statements.
Product: Credit reporting or other personal consumer reports

I requested Navy Federal to investigate and provide validation of the debt. Instead of forwarding me the required documentation to validate the debt, the company transferred the account to debt collection agencies XXXX XXXX XXXX, which also failed to provide proper validation as required by law. 

I have been disputing this account since XX/XX/year> with both Navy Federal and the credit bureaus ( XXXX, XXXX, and XXXX ). Despite my repeated requests, I have not received any resolution or the legally required documentation proving the validity of this debt within the 30-day timeframe.

Since neither Navy Federal nor the debt collectors have provided verification, I am formally requesting the immediate deletion of this account from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Non Governmental organization helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Product: Student loan

My student loans ( XXXX ) have recently been transferred from XXXX XXXX to Navient. In reviewing the balances and the amounts paid each month, it appears that both XXXX XXXX and Navient have a practice of applying additional principal paid to the current months payment to the following months payment and not the principal of the loan. They reduce the amount due on the next months billing to allow the borrower to remain in debt for as long as they possibly can. I find this practice to be predatory and fraudulent. Something needs to be addressed about the practices of these lending institutions which force students to remain in debt for as long as they can possibly keep us there.
Product: Mortgage

the lender raised the interest few days before closing the deal of buying a house at this point I had no choice but to accept otherwise I will lose the house. 
few months before I was approved for 4 % from other lenders before. upon finding the right house I signed a contract with the suggested lender from my agent XXXX to make the deal as fast as we can ) with interest no more than 4.25 % and he promised to try to get it around 4 % and they gave us an approval letter after I gave him all necessary documents. 
and few days before closing the lender amend the contract upon his request to change the interest to 4.625 % and I had to accept in order not to loose the house. 
more over the lender sold the loan to another company ( XXXX ) within 1 month only ( it looks increasing the rate makes it very easy to sell the loan to other company with good profit ) I asked to get copy of the original contract but the lender did not responseI will submit attached the amendment to change the rate from 4.25 % to 4.625 % on page XXXX from the file.
Product: Mortgage

I inherited properties in XXXX,. Four to be accurate. In XXXX XXXX I am being told I went into default with my taxes. XX/XX/XXXX was the first I became aware of any such problem. The board of supervisors contacted me and stated I need to local another probate attorney because my probate was not finished. I have receipts on my taxes and other documents that the assessment board and other government offices do not want to see. XXXX XXXX ( XXXX ), employee refused to withdraw my properties from the XX/XX/XXXX XXXX  XXXX, XXXX auction. The consequences of his actions has involved an individual who says she purchased my home and is evicting my tenants and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent letters to XXXX, XXXX, Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the date opened, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 

15 USC 1681 section 602a states I have the right to privacy. 

15 USC 1681 section 604a section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make 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 USC 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. 

Also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX are allowing XXXX XXXXXXXX, a collections account from XXXX XXXX and XXXX XXXX to keep going back on my credit reports. I've had the XXXX XXXXXXXX and XXXX XXXX  items removed in the past and they keep allowing the creditors to report them back on my credit file. I have been the victim of fraud and identity theft. the internal revenue service sent me notice that someone filed fraud tax returns in my name from XXXX so I have been having to deal with this stress as a XXXX veteran. I keep having to provide ftc reports for this and nothing gets done
Product: Checking or savings account

Somebody stole my credentials social etc and now I cant open any accounts in my name.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by ALLY FINANCIAL. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ).

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.
Product: Credit card or prepaid card

Update to CFPB complaints XXXX AND XXXX : BoA EDD Case XXXX for fraud charge reimbursement : Yesterday ( XX/XX/XXXX ) I was informed by BoA EDD phone reps XXXX in TX and XXXX in MN that XXXX XXXX East Coast Time XX/XX/XXXX, BoA EDD had changed the status of my debit card from ACTIVE to SUSPENDED and initiated a fraud investigation due to suspicious charges that day and XX/XX/XXXX. Yet despite all that, BoA authorized several more fraudulent XXXX charges on made after that on XX/XX/XXXX from XXXX to XXXX. I WAS NOT NOTIFIED DESPITE A FRAUD ALERT SET TO EMAIL ME ANY SUSPICIOUS CHARGES. Here are a few of them : XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX The criminal who made these charges did so from XXXX account that wasn't mine XXXX eg. not my name, address, card expiration date, PIN, or 3 digit code! Also, XX/XX/XXXX fraud charge by XXXX XXXX did not have my name or any info on the card. Yet all those obvious fraud charges were approved by BoA and no email of suspicious charges sent to me, no letter or phone call ( BoA had my phone number via XXXX other BoA accounts I have under my social security number. 

DESPITE THIS NEGLIGENCE, BoA refuses to credit back these RED FLAG fraud charges. I strongly stated that the 60 day time limit should not apply, because BoA EDD did not notify me of the suspicious charges or fraud investigation initiated on XX/XX/XXXX. On XX/XX/XXXX, BoA EDD rep XXXX told me my complaint was DENIED and that I did not receive an email notification of suspicious charges because BoA did not deem them to be " suspicious '', Yet they changed the status of the card to SUSPENDED and initiated a FRAUD INVESTIGATION AT XXXX ON XX/XX/XXXX. That is outright duplicity and a huge contradiction. 

Also, I could NOT LOG in to view my monthly statements because the email hotlink notification of same had a virus so website access was blocked! I've provided BoA with screenshots of that to no avail. 

PLEASE HELP ME GET REIMBURSED FOR THE ABOVE FRAUD CHARGES AND PUBLICIZE BoA EDD negligence and horrible handling of this case. 
In addition to my BoA EDD account, I AM a multi-decade BoA Platinum Honors Preferred Rewards client with BoA checking and CMA Merrill Edge accounts. Yet the bank doesn't consider that in the handling of my complaint. I feel trashed, bashed and destroyed by BoA EDD
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroneous information on my credit file