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

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 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit card

Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit score has dropped by XXXX points, while my other XXXX scores have either remained the same, or actually gone up. XXXX out of XXXX of my credit scores are over XXXX, and my TransUnion score was also over XXXX until it dropped by XXXX points out of nowhere. I have reached out to multiple attorneys now in addition to TransUnion, and I am told that absolutely nobody has ever seen or heard of someone having this happen to them. I want to be crystal clear here so that my problem is understood immediately. Most consumers in a similar position are facing a situation where something inaccurate negative has been reported on their credit report, and made their credit score drop. This is NOT what is happening to me. I have called TransUnion 4 times now, and I have also spoken with a supervisor, and absolutely every single one of these TransUnion employees have stated and verified the same thing for me. There have been absolutely NO changes in my credit history. Not a single new negative or derogatory remark has been added to my credit report. In the last 90 days, not a single negative change has been reported to TransUnion by ANYONE regarding my account or credit history. I do not have a single missed or late payment, and 100 % of my accounts are in good standing with a credit utilization rate of less than 10 %. My credit score has dropped for absolutely NO reason. Not a single person at TransUnion can tell me why my score dropped, they can only tell me that it has in fact dropped, and that there is absolutely nothing they can do about it. THIS MUST BE FIXED IMMEDIATELY. There is no fraud for me to dispute, and there are no inaccuracies for me to challenge on my report. My score has simply dropped XXXX points for absolutely NO REASON.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had ( ) late payments on an account that I was never late for. I also noticed I have accounts on my report that I did not open. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts listed. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from equifax that is not correct/accurate that should not be listed.
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquiries on my credit report that I would like all to be removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX ( XXXX XXXX ) XXXXn- Discover Financial Ser ( XXXX XXXX ) XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX - XXXX XXXX ( XXXX XXXX ) XXXX - XXXX XXXXXXXX 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 signed up for Experian 's {$1.00} credit report for a week cancelled and they still billed me for services after. I only knew about it because I called my bank back in XXXX about it. They charged me {$1.00} in XXXX then {$24.00} on XX/XX/XXXX, {$24.00} on XXXX, then {$24.00} on XX/XX/XXXX and another one on XX/XX/XXXX. I asked my bank to cancel it on XXXX they charged me again on XX/XX/XXXX. I called the Experian Rep and they did  confimr that the only access on the account was on XXXX. I only used experian because of the {$1.00} promo last XXXX when I needed to buy a car. I have not used it since and have cancelled the account. There is no other time the account was accessed and the access on the account last XXXX wasn't even me accessing the account. It was them accessing my account, because I have entirely forgotten that I have an existing experian account. I do not have money that I need to check my credit score. I only needed Experian because of the {$1.00} dollar deal they have. I want to get back the money that they took out of the account because I didnt use their services beyond that week as proof of my access on the account. Please help me.
Product: Mortgage

I have a rental house located in XXXX XXXX XXXX, XXXX. I also have a mortgage with Sun Trust Bank for that house since XX/XX/XXXX. I 've always paid my mortgage and never late until this past XX/XX/XXXX. I ca n't afford to pay the mortgage anymore. I attempted to refinance the mortgage XX/XX/XXXX with a credit of over XXXX at the time I thought it would be easy. I filed the application and processed through the whole mortgage thing only for Sun Trust to tell that there is a XXXX lean on my house from the City of XXXX XXXX XXXX.I was told pay it off and will move forward, so I called the City of XXXX XXXX XXXX and they searched their files for leans and I was told there is no lean on XXXX XXXX XXXX XXXX house owned by me XXXX XXXX. I contacted Sun Trust and told them what the City told me that there is no lean on my property. Sun Trust refused to move forward so I said I 'll something in writing from the City but I told no pay it or we move forward. That was it the mortgage was to high and I could not afford it anymore. XX/XX/XXXX I stopped paying my mortgage so Sun Trust said they 'll send me a loan modification packet which they did, I filled it out and returned the packet only for Sun Trust to send my loan to a collection company called XXXX located in XXXX. I attempted to contact Sun Trust and was told to talk to XXXX. XXXX sent me another loan modification packet and told me to fill it out. I said I just sent one in to Sun Trust I was told I 'll have to send another one to them. I again filled out this lengthy application with all my info and XX/XX/XXXX tax returns. Nothing happened for about a month then XXXX sent me yet a third loan modification packet and said I had fill this out again, of after yelling and screaming as to why do I have to fill out XXXX of these I was told if I want help then this is the process. I filled out the tired loan modification application and sent it back, if you can believe it the customer service female told that this is what XXXX does on a recorded line. Now I just yet another packet which I refuse to fill out. I have an investor from XXXX that wants to purchase the house as a short sale and I said great, but I can not get anyone to help me at XXXX. I called XXXX today and left a message for the person in charge of my case relationship manager XXXX teller # XXXX to call me but she never called back. I guess their stalling for time and will try and foreclose on the house since it has about {$30.00} in equity. This is the game that is being played by Sun Trust and XXXX. I need your help with this situation. the loan on my Sun Trust mortgage is ( XXXX. ). SLS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX XXXX XXXX account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity,
Product: Bank account or service

Dear CFPB, I had a checking account with TD bank, which seems like was overdrawn by error. I had linked my TD Bank to my XXXX credit card. By error it seems like the software submitted multiple ACH requests. 

I learned from TD bank that I was negative ~ {$200.00}, however, in less than 4-5 weeks, TD bank charged me more than {$250.00} in fees. They sent this amount to collection and closed my account. 

I am XXXX years old. I had only XXXX checking account. I am kindly requesting TD bank to please reopen my account and please remove the fees. I want to pay the overdrawn amount ASAP. Please ask the collection agency to not send this to credit agencies, otherwise it will damage my credit history. My credit score was close to XXXX, which now might have been damaged significantly. 

I will greatly any help from TD Bank. I was traveling XXXX XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX has already removed all Fees associated with these ACH debits. 

I apologize to TD Bank. 

I will greatly appreciate if you can help here. 

Thank you.
Product: Debt collection

I was looking through my Great Lakes account and noticed a balance in which this collection agency is offering payment options on a balance of {$26000.00} which is in a positive balance. So I do not have to pay anything in a positive balance which is in pursuant to 15usc 1692e ( 2 ) ( A ) ( B ) false and misleading representation The false representation of the character, amount, or legal status of any debt ; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Please refer to the attached to the file of my Great Lakes account of evidence of false of misleading. I want the balance to be XXXX  out as this is destroying my livelihood. If my bank checking account is positive, it means I am in possession to spend this balance If the balance is negative then that would mean I owe the balance. So with this Great Lakes account if the balance is negative then I would have to owe this debt. If I were to pay on this balance it means I am voluntarily paying for something that is not originally owed. I want the balance to be XXXX for I am not obligated to pay for this positive balance. The evidence is attached in the link
Product: Checking or savings account

I had someone steal my Apple ID on XX/XX/XXXX and I have {$500.00} in Apple Cash and {$3500.00} Im my Goldman Sachs Savings Account and I have been calling and talking to various people everyday there to try and get my money. I keep being told that my account is under review. No one will tell me what that means and why its under review since this savings account has nothing to do with my Apple ID like Apple Cash does. Finally yesterday after being transferred to several people, I was promised that someone from corporate would call me by the end of the day but possibly within the hour and I still never heard from anyone. 

I also have no way to even get into my savings account. They all seem to be so secretive for some reason. Seems fishy to me and I thought they were a huge bank. 

The funny thing about all of this is that someone cloned their phone number and called me from a number that shows up as their number and even says Goldman Sachs and that is how I got scammed and got my Apple ID stolen in the first place. Goldman Sachs is well aware of the problem about their phone number being cloned as they are the ones that told me about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts are not mine, i have disputed many times with equifax and they have not been helpful, i have attached my police report for which i have received from XXXX XXXX police dept. and also the FTC report filed. 
please help me to have these three inaccurate and fraud information removed from equifax credit reporting agencies thank you
Product: Credit card

Comenity Bank provided me a credit card through a purchase at Jared. I was not told at the store my loan is a promotional plan. I enabled automatic payments and thought it was being paid accurately. I was then hit with deferred interest payment and was never notified of this. I have opened other cases and they keep on saying that it is my fault for not knowing I was in a promotional plan. There was never a warning sent to my email ( after they aggressively asked me to go paperless ) and the warning on my statements are in a small box at the bottom. They are deliberately trying to do the bare minimums in notification so they can prey on customers with deferred interest. If they truly cared for customers they would actually notify them. I never even got a notification AFTER they added the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive several calls throughout the day and night from Sequium. They never leave a message. I do not know what the calls are about because I do not answer. However, after discovering Sequium is a debt collection agency, I knew I was being targeted for something. I am confident I possess no outstanding debts that would warrant collection. I feel harassed and frightened.
Product: Vehicle loan or lease

I couldnt work due to being pregnant and my doctor made it a requirement that i couldnt work while pregnant and i wasnt covered by my job to get paid while on medical leave, so credit acceptance repossessed my vehicle.
Product: Credit reporting

Basically it appears to be a Transunion Scam. When you try to get the second Credit report a page appears from Transunion asking you to purchase for {$17.00}, a Credit Monitoring/report/score service an the Computer screen will not allow you to bypass this request. So we " could not '' get the reports for XXXX or XXXX, because of the issu with the Transunion advertising blurb constantly coming up in between the Annual reports. 
Why have it available if it does n't work! XXXX ... XXXX XXXX
Product: Debt collection

Zarzaur & Schwartz debt collectors, are telling me I owe a {$930.00} debt for XXXX  XXXX from 2019. The card was {$200.00}, not {$930.00}. ( 1 ) I did ask for a debt validation from the other 4 collectors prior to this one. Never received it at all -- they just kept selling the account and now these people have it. Is it legal? I have asked 4 different collectors for validation of debt paperwork to see WHY this is over {$900.00} and they just transfer and never acknowledge my request -- then I have to start all over. I thought there was a time frame for me to get that validation of debt? ( 2 ) I feel I'm being strong armed. They are aware I'm almost XXXX years old and on social security. I told them not to send any mail to this XXXX XXXX XXXX address XXXX weeks ago because I won't be here. They did anyway. They not only sent a large manilla envelope to me but it was UNSEALED. The flap was stuck inside the envelope, and I feel this was malicious knowing the people here would read my business and everyone along the way. This is a small small town. I am embarrassed, humiliated and angry. I told them I would be getting a po box when I got better for my mail being I am in line for an XXXX XXXX XXXX in XXXX TN. 
They disregarded everything I told them. I told them not to write me. They do anyway. I did give them my fax/email XXXX and they disregarded that as well. 
( 3 ) Thirdly, I also told them I do believe this XXXX  XXXX is in a bankruptcy I filed in 2019. I don't have the number to that XXXX  XXXX but it was filed and discharged. I asked them to look into this as well. 
( 4 ) I don't have any money or assets or any kind of money accounts anywhere. My car is XXXX years old. i am in XXXX XXXX XXXX. I am on social security. I'm just not sure what they want out of me, but they harass me quite a bit. 
Thank you for your time. 
NOTICE -- - you ask me for an address -- - I don't have my po box right now. I will get one next week, but the system won't let me go on without inputting an address. I will put the XXXX one but I'm not there. I don't want anything sent to this address. Fax/email me at XXXX. I will get back in touch with you when I get my po box next week for correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, OPEN ROAD LENDING add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.