23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Urgent Request Fraudulent Information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to demand the immediate removal of fraudulent and inaccurate accounts, inquiries, and incorrect personal information currently listed on my credit report. This situation has caused significant and undue harm to my financial standing, and I expect your immediate compliance under the provisions of the Fair Credit Reporting Act ( FCRA ). 

As stated under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and permanently remove all fraudulent information from my credit report within four ( 4 ) business days of receiving this letter. I am invoking this right and will not tolerate any delays or excuses. 

Fraudulent Accounts to Be Removed : Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXX Account XXXX : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Unauthorized Inquiries to Be Removed : Creditor Name : LVNV Funding LLC Inquiry Date : XX/XX/XXXX Personal Information Corrections : There are incorrect addresses, and phone numbers listed on my credit report. The following information must be reviewed and corrected : Incorrect addresses and phone numbers on my credit report as followed : Incorrect addresses on my credit report as followed : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Incorrect phone numbers on my credit report as followed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

If you fail to act promptly to remove this information, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I am prepared to seek monetary damages for the harm caused by your negligence in maintaining an accurate credit file. 

You are hereby notified that failure to comply with this request will result in legal action. I expect written confirmation within FOUR ( 4 ) BUSINESS DAYS from the date of this letter that all fraudulent accounts, unauthorized inquiries, and incorrect information have been fully removed from my credit report. 

This is a serious, time-sensitive matter, and I demand your immediate attention and resolution. 

Thank you for your prompt compliance.
Product: Debt collection

on XX/XX/2018 I sent a certified letter to company XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX - XXXX XXXX XXXX XXXX with proper identification requesting to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), of the account balance {$110.00} They are required by federal law to verify FCRA ( Section 609 (  a ) ) They did not provide me with a proof of verification, as a gesture of goodwill before litigation if needed, I am requesting removal of this account from my credit report.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part.
Product: Prepaid card

Purchased a {$200.00} virtual Mastercard debit gift card. I connected this to my XXXX XXXX and was able to make one {$40.00} purchase. Since the initial transaction of {$40.00} I have been unable to use the card for any transactions suddenly its denied or states invalid card number even when I enter it on key pad for the companys XXXX number. Ive contacted customer service and was told my cards fine and ready to use. I explained the situation asked for help fixing the issue with no resolution. I requested them to simply issue a replacement card via Email and was told they do not issue replacement cards. Not sure why its so difficult for them to give me access to my remaining {$160.00} but it seems theyre unable to be of much assistance I spent an hour on hold 3 separate times to be transferred and still have gotten no where its as if they are aware of the issue and trying to steal from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies has inaccurate information on my credit report and I want it off my credit report file. I contacted Experian, and XXXX on several occasions more recently on XXXX XXXX, XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Issue : Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. I still trying to understand how they verified the information when according to XXXX, they could not verified the information and they deleted this same exact thing off my credit file. Therefore I would like it deleted from my account immediately. If this matter is not resolved by XXXX XXXX, XXXX, I will file a civil claims lawsuit against Experian, and XXXX Credit Reporting Agency.
Product: Credit card or prepaid card

Hello, I have a credit card wit SunTrust credit card company and I call them on XXXX XX/XX/XXXX to find out out to go by as I want to pay 2 promotional balances before the due date, which one is on  XXXX {$1900.00} and the other balance is on XX/XX/XXXX for {$760.00}. The agent and supervisor told me if pay that balance, they couldn't allocate the payment to the promotional balances, instead my payment, total on both promotional {$2600.00} will go towards my new balance. I other words, thay can not be apply to the promotional balances. Which I found not correct, because they these two promotional balances are showing on my statement, meaning I could pay, why then, they put it on my statement. Their response was that I could pay the whole balance, which I'm not ready for it, neither I have that money, again, why then you are putting something on my my statement when the bank is not ready for me to pay. I do believe they are not been honest. I pay my credit card bill through an automatic debit every month and I don't even pay the minimum, but I will like to at least pay the promotional to avoid to have to pay high interest when they mature. Please help me as I believed they are not correct and the statement is not transparent, neither clear. Thank you very much!! XXXX XXXX cel number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the description of XXXX ( your web based automated verification process ) YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that " XXXX is a web-based, XXXX XXXX XXXX, automated system that enables Data Furnishers ( DFs ) and Credit Reporting Agencies ( CRAs ) to create and  respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I believe that I tried to purchase a tv, from Best Buy and tried for their store credit card, and believed that credit score was low at that point of trying out for the purchase
Product: Debt collection

I disputed the claim that I owe {$350.00} to XXXX XXXX XXXX XXXX XXXXXXXX to both XXXX  and the collection agency on XX/XX/XXXX of this year. XXXX replied on XX/XX/XXXX and stated that the information regarding the collection had been verified. The debt collection agency responded on XX/XX/XXXX in a letter stating, " ... WE ARE AUTHORIZED BY OUR CLIENT TO REQUEST PAYMENT IN FULL OR PROCEED IN A MANNER PRESCRIBED BY LAW. IT IS TO YOUR ADVANTAGE TO COOPERATE FULLY. '' This written correspondence from XXXX XXXX XXXX XXXX XXXX included a copy of my drivers license and a signed copy of an Authorization to Release Medical Information form. I think this is a violation of my rights and breach of security with respect to unsecured PHR identifiable health information ( i.e. my personal health records ). They have acquired these documents without my consent. 

I told them as much in a letter dated XX/XX/XXXX. When I hadn't received a response from them in close to 30 days, I called their office in XXXX, MD. A woman representative explained that they'd received my 2nd letter and were uncertain of " ... just what it is I want from them. '' She went on to say that their company 's reputation and longevity in working with their client was sufficient enough to validate the debt. 

Their refusal to remove this erroneous collection from my XXXX   credit report is costing me damages near {$690000.00} because I'm unable to complete the process of buying a home due to the affect the collection has on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX and I noticed an unauthorized inquiry had been made. 

I contacted bank of anerica, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX  - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX - XXXX - XX/XX/XXXX - {$45000.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$470.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

Capital One is obviously using unreliable, PUBLIC, non-credit sources to solicit pre-qualifications for their card. I have received via mail to my residential adress XXXX ( XXXX ) offers with XXXX different names on them and XXXX of the names have not lived at my address for at least XXXX years or never lived there at all. Everytime I send mail back, I receive MORE mail with different names. Like, Capital One is DESPERATELY taking a shot in the dark increasing the risk of identity theft and/or fraud for all consumers involved. 

I have moved a couple times so I wonder, what random mail is Capital One sending to those old addresses with MY name on it.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00}
Product: Mortgage

During Covid, we applied for Forbearance assistance from Loan Depot. We ended the Forbearance in XXXX and we chose the Deferral option which took into effect XXXX. We have made our first payment XX/XX/2021 for the amount of {$3700.00} which is the actual mortgage amount and that is when the payment was not applied to our Mortgage. When I called on XXXX XXXX to check, they mentioned there was an interest charge that is causing the account to suspense. When asked, they can not find the reason for the interest charge so they have processed a case to investigate the issue. After several calls and chat during the month of XX/XX/XXXX till XX/XX/XXXX amounting to 10 calls, I was told that the case is still open and that the account is still in suspense and will be resolved by end of XXXX. I made a payment on XXXX XXXX in the amount of {$3700.00}. I sent a fax and a letter via their messaging system as well as proof of payment on XX/XX/XXXX. A rep from Loan Depot replied and mentioned that the case was closed without any explanation but it will be reopened. A promise that a decision will be made within 3-4 business days and the funds will be applied. I called again on XXXX XXXX to check the status of the case and they mentioned again that it will resolve in 3-4 days. I then made another payment of {$3900.00} on XXXX XXXX which includes the negative escrow that accumulated during the forbearance period. Until now, the payment is still in suspense and none of my payments has gone back to my bank. They are holding my payments hostage and I am getting notice from the mail regarding foreclosures. This has caused tremendous stress and burned to my family.
Product: Credit reporting or other personal consumer reports

On multiple instances i requested that American Express, XXXX XXXX XXXX XXXX XXXXXXXX provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.
Product: Debt collection

Reviewed most recent credit report and I noticed a collection that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection 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 collection in question did not belong to me. 

Under code 15 USC CODE 1692g & 15 USC CODE 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: Debt collection

Portfolio Recovery Services has been calling me at least weekly, and sometimes daily or multiple times per day, for more than 10 years, and continued after I changed my phone number in early 2017. I have verbally asked them to remove me from their list on many occasions. I block the number each time they call, but they have taken to location based number spoofing. I traveled to Nevada this weekend, and they just called me from a Nevada number. I've not initiated any business with this company, nor does it appear on any of my credit reports.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. Can you please investigate this matter. 

XXXX ) [ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 2 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 3 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX USC 1681b 4 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 5 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 6 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 7 ) [ XXXX XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 8 ) [ REPRISE FINANCIAL/WEBBAN XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 9 ) [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 10 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 11 ) [ XXXX XXXXXXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 12 ) [ XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

I am a US citizen traveling in XXXX XXXX.On XX/XX/XXXX I arrived in XXXX XXXX. Airport taxis were waiting for passengers and I mentioned that I had not exchanged funds to their monetary system yet as I had just landed and they assured me that I could use my credit card for the taxi. Upon arriving at my XXXX the driver used a portable XXXX XXXX device for the transaction. It was approximately XXXX miles from the airport to my XXXX. I did not receive a receipt since it was a taxi and I assumed that was custom. The following day I noticed that the charge was for over {$600.00} USD. I reported it directly to my city credit card they said it had to post first and then I could dispute the charge. I was shocked to find out that I was responsible for that charge even though it is clearly fraudulent. I contacted XXXX XXXX, no response and unfortunately I do not speak XXXX so I have not gotten very far in my complaint. Sincerely XXXX XXXX XXXX XXXX
Product: Bank account or service

I HAD AN ACCOUNT WITH BANK OF AMERICA FOR A COUPLE OF MONTHS BACK IN XX/XX/XXXX. XXXX DAY MY WALLET WAS STOLEN/MISPLACED AND I HAD ALL MY INFORMATION IN IT, SOMEHOW DURING SOMEONE TOOK MY CARD AND DEPOSITED FRAUDULENT CHECK INTO MY ACCOUNT. AT THE TIME I DID N'T KNOW THAT MY WALLET WAS STOLEN. LATER ON THAT EVENING I FOUND THAT MY WALLET WAS MISSING, I CALLED THE BANK AND TOLD THEM TO CANCEL THE CARD. A FEW DAYS LATER I PUT IN A CLAIM FOR THE CHARGES THAT WAS PUT INTO MY ACCOUNT BECAUSE BOA TOLD ME THAT THE CHECKS CAME BACK AS FRAUD AND IT WILL BE APPLIED TO MY ACCOUNT. I FILED A CLAIM XXXX AND I WAS DENIED, BECAUSE I HAD MY PERSONAL INFORMATION IN MY WALLET AND I WAS NEGLIGENCE ABOUT MY PRIVATE INFORMATION. ABOUT A YEAR LATER ( XX/XX/XXXX ), I WANTED TO OPEN A BANK ACCOUNT WITH A SPECIFIC BANK, AND I GOT DENIED FOR IT BECAUSE " BANK OF AMERICA DING ME FOR SUSPICIOUS OF FRAUD ACTIVITY ''. I WAS TOTALLY CONFUSED ABOUT IT BECAUSE I WAS NEVER TOLD I HAD TO PAY ANYTHING, NOR DID ANYONE CALLED ME SINCE THE CLAIM WAS DENIED ABOUT PAYMENT PLANS TO PAY BACK FROM THE FRAUDULENT CHECKS. SO I WENT AROUND TO OTHER BANKS ABOUT ( XXXX ) IN MY AREA AND I WAS DENIED TOO FOR THE SAME REASON. I CONTACTED BANK OF AMERICA AND INFORMED THEM ABOUT THE ISSUE THAT I HAD WITH OTHER BANKS, THEY TOLD ME TO GET A CONSUMER REPORT, AND SEE WHATS ON THERE PERTAINING MY INQUIRY. I REQUESTED THE INQUIRY FROM CHEXSYSTEMS AND I SAW THE CLAIM BY BANK OF AMERICA " SUSPICIOUS FRAUD ACTIVITY '', I CALLED BACK BANK OF AMERICA AND TOLD THEM I RECEIVED IT AND I WANT TO KNOW WHAT I CAN DO TO RESOLVE THE ISSUE AND GET OFF XXXX, THEY TOLD ME TO PUT IN A REQUEST TO BANK OF AMERICA 'S RISK DEPARTMENT AND MAIL IT TO THEIR ADDRESS IN XXXX, FL. I DID IT AND A COUPLE OF WEEKS LATER THEY SENT ME A LETTER SAYING THAT THEY WILL NOT REMOVE ME FROM CHEXSYSTEMS BECAUSE IT SUPPOSED TO PROTECT THE BANK BECAUSE ITS A SERIOUS MATTER. I CALLED THEM TODAY AGAIN, SPOKE WITH THE RECOVERY DEPARTMENT, ASK THEM WHAT CAN I DO TO GET BACK ON TRACK BECAUSE I 'M ONLY XXXX AND I REALLY NEED A BANK ACCOUNT/SAVINGS ACCOUNT FOR MY JOB BECAUSE ITS TOWARDS MY FUTURE AND THIS ISSUE ON XXXX IS RUINING MY LIFE. THEY TOLD ME THAT I DO N'T OWE THEM ANY MONEY, I 'M JUST FLAGGED BY THE BANK AND I CANT OPEN AN ACCOUNT WITH THEM, I ASKED WHY THEY CANT REMOVE IT SINCE I DONT NEED TO PAY ANYTHING TOWARDS THEM, THEY JUST GAVE ME THE RUN AROUND AND TOLD ME TO SPEAK WITH THE RISK DEPARTMENT. THE RISK DEPARTMENT SAID THERE IS NOTHING I CAN DO BECAUSE ITS ALREADY ON THE REPORT AND IT WILL BE ON THERE FOR 5-7 YEARS AND THERE IS NOTHING I CAN DO ABOUT IT. I TOLD THEM I WILL GET AN ATTORNEY AND THE REPRESENTATIVE BASICALLY RUSHED ME OFF THE PHONE SAYING " IS THERE ANYTHING ELSE I CAN HELP YOU WITH '' BEFORE I EVEN FINISHED TRYING TO ASK WHAT CAN I DO TO RESOLVE THIS ISSUE. I 'M TO MY BREAKING POINT FROM THIS AND I REALLY NEED SOME HELP BECAUSE THIS IS MESSING UP MY LIFE. I HAVE A CREDIT CARD AND ITS HARD TO PAY MY MONTHLY BILL BECAUSE I DONT HAVE A BANK ACCOUNT, I LIVE OFF PREPAID CARDS AND THEY DONT HELP ME SAVE AND THEIR FEES ARE RIDICULOUS. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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