23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PHONE NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report** **To Whom It May Concern, ** I am writing to formally dispute several inquiries listed on my TransUnion credit report XXXX These inquiries, dated XXXX and XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction.

**Specific Inquiries and Lack of Permissible Purpose : ** The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA . I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ** I have no record of applying for credit with XXXX XXXXXXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** I do not recall applying for credit with XXXX XXXX this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) : ** Similar to inquiries XXXX XXXX XXXX XXXX XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 

**Impact of Inquiries : ** These inquiries may be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

**Request : ** I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA , or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In middle XXXX, Citibank contacted me about the suspicious card transaction with XXXX and I told them that was not a purchase I made. After that, I found more fraud transactions below when I logged on to my account on their website. 

Date Description Amount XX/XX/XXXX XXXX XXXX XXXX CA {$510.00} XX/XX/XXXX XXXX XXXX XXXX CA {$870.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX XXXX XXXX CA {$920.00} XX/XX/XXXX XXXX/BILL XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX KS {$340.00} I contacted their customer support and told them that those were also fraud transactions and I had never made them. On XX/XX/XXXX, they sent me a letter mentioning they determined those transactions were mine and would remain on my account. 

I sent my letter to their security manager on XX/XX/XXXX & XX/XX/XXXX and explained those were not my transactions but were fraud transactions. I originally tried to fax those letters to the number ( XXXX ) I got from their customer support but the number did not accept any faxes even though I tried many times from different fax machines and online fax transmission service. I called their customer support again and got a different fax number ( XXXX ) and was able to send my letters finally. I also mailed them by USPS. 

As of XXXX, I have not heard anything from them. I am disappointed and frustrated very much because of their wrong judgment and poor customer service. 

My point is ... 
- I have never made those purchases/transfers and am not aware of anything. 

- Though Citibank says those transactions were made in XXXX XXXX  on my XXXX, I have never used XXXX XXXX  for any purchase in my life. I just registered my credit cards just in case I may XXXX XXXX  in the future. 

- 5 transactions show XXXX. When I contacted XXXX, they told me people can not send money from XXXX XXXX  to XXXX. 

- After I received a replacement credit card, I removed the card with fraud transactions from XXXX XXXX. XXXX told me there was no way to tell the card on my phone was used, but Citibank ' explained in their letter that those transactions were made by the card in my XXXX XXXX  on my XXXX. They are obviously wrong as there is no history. 

- I have not bought any products nor services from XXXX for a very long time. I don't even have an account with XXXX. 

- On their XXXX statement, 4 of XXXX fraud transactions appear under " Cash Advances '' with the advances transaction fee of {$160.00} but Citibank issued a refund for the fee ( {$XXXX} ) on XX/XX/XXXX. This must mean they recognized those transactions were not mine. 

I have not heard anything from them yet. 
Please help me fix this serious problem.
Product: Checking or savings account

Deposited a check on the XXXX of XXXX. The same person paid me the exact same way the month before and I had to go through XXXX with chase for them to finally clear the check. The same thing is happening again. I'm now late on rent and being negatively impacted and can't get a reason why I'm going through the same thing again. Chase is breaking the law and they don't care. I've asked numerous times the law stating why they are doing what they are doing and there response is because they can. It's crazy that a financial institution can break laws and do as they please with no reason or logic.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX  on my credit report.XXXX  updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.
Product: Mortgage

Our mortgage servicing rights were transferred from XXXX ( in bankruptcy ) to LoanCare , LLC in XXXX / XXXX of XXXX. 
After the conversion, LoanCare misapplied XXXX payment and we ended up being past due. Neither my wife nor I realize that we were past due until a credit reporting service sent us a notification of new derogatory information on my SSN. 
LoanCare corrected the payment misapplication but did not correct the credit bureau report. We are in the process of applying for a refinancing but due to this error and subsequent inability, we have become subprime borrowers ( credit score went from almost 750 to XXXX ). 
LoanCare representative promised to request correction on XX/XX/XXXX. Today is XX/XX/XXXX and the request has not been entered. Spoke with them again and was informed that it can take up to 30 days to show up. In the meantime, we are paying higher interest rate ( to LoanCare ) and are not able to secure a new mortgage. We feel like we are credit hostages at this point, held to higher rate, as it is not in their interest to have us refinance. 
Furthermore, LoanCare representative stated that they can not guarantee that payment application error will not occur again and refused to take any responsibility for it. 

They do not initiate error correction right away. This means that people who do not realize how the process works may wake up to the fact that they have a late payment but it will be difficult to impossible to correct. This goes to the core of people 's ability to have correct information reported and fixed without needing to be experts in managing the process.
Product: Debt collection

I have a credit card debt with XXXX for amount of {$5000.00} XX/XX/XXXX I have made partial payments then lost my source of employment and income could n't make the payment. So it was charged off according to my credit monitoring company. Then in XX/XX/XXXX got a call from someone claiming they are attempting to collect and ask for my social to verify that it 's me their speaking with and I refused cause I thought its a scam. Then I received a mail from a collection agency/law firm XXXX XXXX XXXX XXXX Account Resolution associates with a court document '' Declaration RE : Accrued Interest dated XX/XX/XXXX and a document Memorandum Of Cost After Judgement, Acknowledgement of Credit, And Declaration of Accrued Interest. The accrued interest on the document dated XX/XX/XXXX is for {$3500.00}. And this is the only document I 've seen at this point until XX/XX/XXXX when my wife received an alert from our bank and all of our saving money is gone. The amount levied was total of {$16000.00} After talking to our bank that they explained to her that there was a legal levy document on our account and I had ask for a copy of the document which they provided. So I contacted and was advise from a law firm first and go to the court house in XXXX California to get copy of Proof of Summon and I ask for all the documents in the file. I realized I was summon back XX/XX/XXXX and I did n't even know about it. And I believe that the statue of limitation should apply here but I 'm still being sued and judgement made without any documentation on file showing if this collection company actually owns the right to this debt and no mention of the original creditor selling the debt to the collection agency on what date nor when it was defaulted by XXXX. I believe statue of limitation was voilated. And the funds they have taken was borrowed by my wife against her pension plan to help cover mortgage and she is still paying that back through her work deductions. I 'm not claiming that I did n't owe the bank the money but the way I was notified was not right. They claim attempting to call me but wasn, t successful but in fact the only call I received was XX/XX/XXXX-XX/XX/XXXX by a person claiming to collect and wanted me to give my social secruity number over the phone which I did n't and dismissed it as a scam. It 's all the money we have to keep us in our home and after spending a year and half with the loan modification approved with XXXX XXXX. Then to be taken by a law suit from a third party collection agency that may have also claimed more interest than neccessary. Please help?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I sent a certified letter dated XX/XX/XXXX to the collection agency XXXX XXXX XXXX which they signed for on XX/XX/XXXX to Validate, Dispute, Cease and Desist. They responded with a letter dated XX/XX/XXXX with copies of my itemized medical bill with what I was treated for, the date and how much. Not only did they violate HIPPA privacy laws they also failed to provide me with the original contract bearing my signature that states I owe XXXX XXXX XXXX the alleged amount owed. I replied again with another certified letter dated XX/XX/XXXX which again they signed for on XX/XX/XXXX. They failed to reply back and have filed a law suit to garnish my wages. I found out I was being taken to court through a commercial lawyer letter dated XX/XX/XXXX. I have kept a very detailed file that will show our communication back and fourth. They also have the creditors address listed as my old residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Bank of America checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud. 

I received detailed consumer report from XXXX XXXX XXXX today XX/XX/XXXX wherein I came to know the reason for my previous account closure with Bank of America, as of this negative reporting XXXX XXXX  put a temporary hold on my account and initiated account closure. 

I called Risk department of Bank of America at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the XXXX XXXX report states all the ACH transactions since my account opening with Bank of America. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that I do not own, and I suspect identity theft or fraud may be involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report that I did not initiate and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with optimun outcome. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for XXXX XXXX and collections. I have tried numerous times to have this situation resolved with no resolutions.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 or other personal consumer reports

Notice to agent/principal, on XX/XX/year>, I called the Indiana courthouse asking if they report bankruptcies to the credit reporting agencies and if the information on my name is accurate. I was told They do not report any bankruptcies to anybody. In fact they told me the bankruptcy data is not always accurate. So if thats the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate. If the court do not report to your agency, how did you retrieve my information. who gave you permission to do so. this information you have furnished on my consumer report is infact not accurate and does not belong to me nor in my report.You have violated my consumer rights in accordance to 15 U.S. Code 1681q - Obtaining information under false pretenses ; which states Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.You never did a fair investigation according to the 15 USC 1681. According to : 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. your agency has caused defamation to my character and destroyed my consumer report with inaccurate and false stolen information which does not belong to me. I demand immediate correction and delete this inaccurate bankruptcy data on my consumer report. i will not hesitate to pursue legal actions and sue for all the damages you have caused me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and back in XXXX of 2022, I submitted documentation to the credit bureaus lettting all 3 know that there were Student Loan accounts on my credit reports that don't belong to me and should be removed. None of the bureaus have responded to my complaints as of today and I am just asking that the bureaus do the right thing here and remove these accounts, please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The account was referred to a law firm for payment in XXXX. I received a letter from the law firm stating that they had closed the account and documented it with the County Clerk in XXXX, NY. They stated they would not pursue payment or accept payment. Yet they reopened it under XXXX XXXX XXXX for the XXXX XXXX XXXX and have refused to take it off my report. Therefore I insist that this is a fraudulent charge, as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.