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

For XXXX weeks now, with documented proof, XXXX has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my credit score significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXXXXXX XXXX XXXX XXXX XXXX I challenged this on my credit and my credit score remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXXXXXX XXXX XXXX I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, ny XXXX {$3200.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was fraudulently used for credit cards. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have attempted to remove the following inquires on several occasions with no success. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Pursuant to 15 usc 1681a ( XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section XXXX of the XXXX, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXXXXXX XXXX  XXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section XXXX. Permissible Purposes of Consumer Reports XXXX XXXX. XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX.? XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission to request my credit report : { multiacct } Once again I demand the removal of these unauthorized inquiries immediately. Please send me an updated credit report to my address listed above.
Product: Debt collection

I have disputed a medical bill on my credit report multiple times from Receivable Management Group. CFPB 's Recent Rule Eliminates Medical Debt from Credit Reports. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) published a final Rule ( the Rule ) that prohibits consumer reporting agencies from including individuals ' medical debt on consumer credit reports. 

The amount is for {$760.00} I called Receivable Management Group on XX/XX/year> and they will not remove the medical bill from my credit report and continue to want to collect the money from me even though it is illegal for them to do so because it is a medical bill.
Product: Debt collection

This complaint submission is in regards to a false credit report by ( XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a XXXX XXXX. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of XXXX, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by XXXX. XXXX XXXX has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and XXXX. XXXX XXXX is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was XXXX XXXX  of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Product: Credit card

I was scammed by a ticket broker and charged {$200.00} per ticket for XXXX tickets that have a face value of {$29.00}. Attached is the dispute letter we sent to Capital One, which details the events and circumstances of the matter.
Product: Checking or savings account

Navy Federal consistently took over 5 days to debit my payments out for my auto loans. Eventually this disabled my ability to pay from an external account and this increased my payments. I received multiple NSF fees, overdraft fees etc.I was also charged an inconsiderable amount of interest on my credit card as well
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending several letters to Experian requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.
Product: Checking or savings account

During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.
Product: Credit card or prepaid card

USAA will not respond to enumerations 1 and 2 of my letter dated XX/XX/2020. Several follow-ups by phone did not yield a response to my letter. Was told that USAA does not respond to letters and other times that the letter will be " escalated. '' Never heard from anyone. 

At # 1, USAA reduced my credit limit from {$20000.00} to {$2500.00}. I was not apprised of this change. Was told a letter was sent to me. I never received it. I requested a copy of the USAA letter. I never received it. Change was reported to the Credit Bureaus causing a severe drop in my credit score. 

At # 2, USAA will not provide an explanation as to why I have a Y-T-D interest of {$5.00}. I never accrued interest charges. USAA will not remove it, as it continues to appear on Statements.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I called the company to attempt to close the account, but the representative was unhelpful and kept asking questions that do not matter because the account has a {$0.00} balance and just needs to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have 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 15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Debt collection

Called 5 times within 1 min, would let it ring once then hang up and call again immediately. Even though I had just sent the minimum payment over the phone via automated service 2 hours prior to the repetitious calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Deleted + 'icon ' Deleted XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains FTC was filed address was wrong took more than 30 days even law with covid gives creditors 45 days has past those violations in DAYs Fcra said if items are not 100 % accurate which I have proved in previous disputed items how can the above creditors deem this CORRECT
Product: Money transfer, virtual currency, or money service

I enrolled in an offer on Google Pay to use to earn 20 % cashback ( up to {$50.00} maximum ) when using Google Pay  at XXXX. I verified that I was enrolled in the offer in the Google Pay app prior to completing the transaction. Please see attached receipt from XXXX detailing the amount of this transaction of {$170.00}. Shortly after playing the order, a pending cashback of {$34.00} appeared in my Google Pay account. However, this ended up disappearing from my account. I speculated that this may be due to a *DIFFERENT* transaction with Google Pay at XXXX  that ultimately was refunded ( see attached ). I reached out to Google Pay regarding this speculation. After their investigation, they determined that I was correct and that I should be credited for this amount ( see attached ). Despite stating this and despite two additional attempts at following up with no response from Google Pay, the amount still does not appear. This is false advertising.
Product: Checking or savings account

XXXX XXXX bank XXXX illegally closed my bank account when I deposited money to meet the {$XXXX} bonus. They didnt think I was going to qualify for the {$XXXX} bonus I guess they assumed I was broke. When I began meeting the advertised deposit for the bonus they closed my account.
Product: Vehicle loan or lease

Unfortunately, this was years ago. Wells Fargo sent me a check last year for XXXX. Cashed it due to financial situation. Don't understand how this fixes the hole they put me in. My fight was to get another vehicle to continue working as to continue bringing income in. Had no way or time to stand for my rights. Not looking to be greedy. But that which they've given me does not help with my credit status and further debt due to the reposetion. Thank you for your time and assisting in helping those of us who can't do so. 
Thank You, XXXX XXXX XXXX
Product: Checking or savings account

I am a RI XXXX XXXX. I am writing you because I am having some difficulty with one of my financial services. As many XXXX  I use a credit card reader to accept payment from my XXXX. XXXX  XXXX XXXX XXXX XXXX is my provider. Also Fiserv is the company servicing them and charged me ( see next Paragraph ) On XX/XX/XXXX I contacted them in regard to possibly get out of my contract without penalty. In conversation with my point of contact ( POC ). I stated that my contract obligations are up in XX/XX/2021, and asked if I could get out of my contract early waiving my monthly fees and {$500.00} penalty for cancelling contract. This was just an inquiry. 

The very next day XX/XX/XXXX, my checking account was charged the {$500.00} penalty. I immediately contacted my POC and I stated that my conversation with her was just an inquiry and I would like my account reimbursed the penalty. Long story short, through multiple phone and email conversations my POC stated that the request for refund is still in process. To date my account has not yet been reimbursed and on top all this I am still being charged a monthly service fee. 

Please let me know if you can assist me in this situation. 

This is my POC at Fiserv, the company who handles these services : XXXX XXXX Client Engagement Specialist SMB Client Engagement Team 1 XXXX  XXXX XXXX XXXX, MD XXXX Office : XXXX | XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent letters to consumer reporting agency requesting that they cease the reporting of XXXX accounts noted on my consumer report. Along with that letter, was enclosed supporting letter from the court that acknowledged that the court DO NOT report to the consumer reporting agency. It is clear that the accounts noted on the report did not report that information and that the consumer reporting agency accepted or paid for stolen information on me. The agency claims that the account was verified and will remain on the report. That is either a lie or an error. The agency has failed to release its source of verification and I have not given any company permission to report this private information. The consumer reporting agency has chosen to violate my consumer right to privacy, and report information that is unfair and inequitable. Its reporting has added severe stress and is causing me physical and mental anguish. I am being taken advantage of and it is making me ill.