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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM WRITING THIS LETTER ONCE AGAIN FOR THE 4TH TIME IN REGARD TO INACCURATE INFORMATION LISTED ABOVE ON MY CREDIT REPORT. I AM CERTAIN I DON'T OWE ANY MONEY.

I HAVE NOT RECEIVED ANY OF THE FOLLOWING : Money that you say I owe for?

The breakdown of how you calculated what you say I owe.

Copies of any documents that show I AGREED to pay what you say I owe.

Proof showing me that you are licensed in my state, and please give me your license number.

THERES A LIST ON INACCURACIES IN THE SCREENSHOTS PROVIDED PERTAINING TO THESE TWO ACCOUNTS. THESE TWO ACCOUNTS SHOW AS CHARGED OFF AND CHARGED OFF AS BAD DEBT. HOWEVER, THEY DO NOT REFLECT {$0.00}. THEY ARE ALL ALSO SHOWING AS REVOLVING, WHICH MEANS THAT THESE INACCURACIES ARE HURTING MY CREDIT EVERY SINGLE MONTH.

ONCE AGAIN I DEMAND THAT IF YOU HAVE REPORTED ME TO ANY CREDIT REPORTING AGENCY THAT YOU INFORM THEM THAT I DO NOT AGREE WITH THIS SO CALLED DEBT AND THAT I HAVE PLACED THIS DEBT INTO DISPUTE ONCE AGAIN. PLEASE PROVIDE ME WITH PROOF THAT YOU HAVE DONE SO. 

FURTHERMORE, I ASK THAT YOU IMMEDIATELY SEND ME A COPY OF MY DISPUTE AS WELL AS CORRECT AND UPDATE THIS INACCURATE DEBT AS REMOVED IMMEDIATELY! 

SINCERELY, XXXX XXXX
Product: Credit card

Dear Sir or Madam : I am a victim of identity theft, all these fraudulent inquiries that is on my credit report and account do not belong to me, I never given anyone permission to pull my credit to open these accounts at any time! this was Not authorize by me and I am requesting that this information to be remove immediately and block pursuant to section 605B of The Fair Credit Reporting Act, Im request that these inquiries be remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX  ,2015-  XXXX  -   I call Well Fargo Home Mortgage and they will try to removed this off my credit report because it 's past 7 years old. no change on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I paid a credit card balance of {$61.00} on XX/XX/2021 using my bank 's online bill pay service. The money was deducted from my checking account. Capital One sent me notice that it did not receive the payment, so I initiated the appeals process and provided documentation of the bank payment. On XX/XX/2021, Capital One sent me a letter stating it did not receive sufficient documentation and was denying my appeal. When I called the number on the letter, the representative said it had requested additional documentation on XX/XX/2021 ( which I do not recall receiving ), and because I did not respond, it denied my appeal. I explained that I had sent all the documentation I had ( i.e., proof of payment ) and asked what further documentation it requested. The representative said he did not know and could not find out because he does not have access to that information. When I asked for a contact number or email for the " Payment Investigations '' department at Capital One that denied my appeal, he could not provide any. He said I could only access that information using an online account or app, which I do not have ( this is an " emergency '' card that I only used because my regular card had to be canceled due to fraud ).
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$41000.00} XXXX XXXX  # XXXX  XX/XX/XXXX -- {$41000.00} XXXX XXXX  # XXXX  XX/XX/XXXX -- {$7400.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I suffered a work-related injury in XXXX and am now permanently XXXX. My income has dropped substantially in the past 5 years and I am now on a low fixed income. On XXXX separate occasions from XXXX to XXXX I had zero income and had to use my Sams Club card to purchase food, thus running up debt out of necessity. I am currently in the process of attempting to pay down my Sams Club ( Synchrony Bank ) card, and stopped using the card some time ago. I have always made at least minimum payments and have never missed a payment. Despite this, my interest rate has been unilaterally raised three times in the past two years, and is now at 23.15 %. I called a Sams Club account rep today to file a complaint over the phone, because I am never going to be able to pay down this card when I am paying almost {$50.00} a month in interest and can only afford to pay the minimum payment + {$4.00} or {$5.00} dollars. They would not work with me, which I expected. In my opinion, Synchrony Bank is taking unfair advantage of recent interest rate hikes to gouge customers, especially those who are financially unable to make substantial monthly payments on their accounts. Therefore I am contacting the CFPB to file a complaint through which I might receive some relief.
Product: Checking or savings account

USAA will not follow my instruction to change location of direct deposit of my $ XXXXmonth lifetime annuity. 
I filled out the required form and sent it two months ago to the USAA address on this complaint.

I have called USAA multiple times and been put on holds for a long times, being transferred from Department to Department and nothing gets done. This is a repeat experience what I experience with USAA one year ago. I would gladly transfer my USAA lifetime annuity to another financial institution if USAA would set me free!
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX I am sending this information regarding my escrow account, proof of XXXX? its I have made and inquiring where the funds went or why the figures are not adding up. 
When I closed on my loan, I paid 3 months on my escrow in advanced {$1600.00} ( Page 1 ) XXXX, XXXX and XXXX I also had escrow coming out of my mortgage payments in the amount of {$1100.00} ( Pages 2,3,4 ) So far, we are at a total of {$2700.00} I was approved in early XXXX for a loan modification ( Page 5 ) You see where {$3600.00} included in the loan for my escrow. I called and verified that this figure was included in my loan payment Now we are at {$6400.00} On XX/XX/XXXX a payment of {$5800.00} was received my CMG Mortgage ( XXXX ) {$3600.00} was put into my Escrow and {$2200.00} " '' '.as also put into my escrow account. ( Pages 7-8 ) Now we are at {$12000.00}
Product: Credit reporting or other personal consumer reports

Per XXXX XXXX XXXX ( XXXX ) ( d ) : if an investigation finds incompleteness or inaccuracies, the furnisher shall notify the other credit reporting agencies. This inaccurate and invalidated and illegitimate account was deleted by XXXX  due to these reasons and XXXX and Transunion were to be notified yet Transunion and XXXX are still furnishing it. Transunion and XXXX are neglecting to comply with the FCRA and continue to allow erroneous information to persist on my credit report. This is a clear violation of Section XXXX of the FCRA. They have caused inconsistencies that can is harming my financial well being. This is also a violation of XXXX XXXX XXXX. DELETE this inacurate, unverifiable, and illegitimate account from my credit profiles on XXXX and Transunion. 
SEE ATTACHED LETTER
Product: Credit reporting or other personal consumer reports

XXXX  provided six promissory notes that provided the 'credit ' that funded account. XXXX  delivered proof of claim and notice revoking assignments and also tendered instrument for payment with conspicuous statement according too UCC 3-311 and creditor did not respond with where to send such communications, which violates above mentioned codes. Creditor closed accounts after communication and tender was delivered, closing all six accounts in retaliation ruining XXXX  credit score.. According to creditor 's prospectus, creditor is selling XXXX  securities on the secondary market with no benefit to XXXX, while closing six accounts, unfairly reporting negative information to credit reporting agencies. XXXX  had six accounts with creditor and which creditor is being unjustly enriched causing financial injury to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to your attached letter, let me know the date on which you report to Equifax to remove hard inquiry. 

Please don't mark it as duplicate as though you wrote that you WILL report masking hard inquiry, the hard inquiry is still not removed from my credit report. 

Therefore let me know the exact date when you reported to Equifax to remove the hard inquiry?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. 

Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. 

Also, for : Company : XXXX XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXX XX/XX/XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? 

And also there is 2 for Trans Union on : Trans Union XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me.

I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX/XXXX-XXXX to have done 2 hard credit checks on  the same day XX/XX/XXXX. 

And for some reason Trans Union has 2 one day apart from each other. 

I am requesting this to be taken into consideration along with the XXXX if they can do anything in good faith and in good intentions.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX NCB Management Services is not license to collect in the state of Texas therefore according to 15 U.S. Code 1692c - ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate personal information reporting on my credit file : Incorrect Names : XXXX XXXX XXXX ( TU, XXXX, and XXXX  ) Incorrect Address : XXXX XXXX  XXXX  ( TU and XXXX  ) Incorrect Address : XXXX XXXX ( TU ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX XXXX There are several accounts reporting that does not belong to me : XXXX XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX XXXX - Opened XX/XX/XXXX Balance : {$7600.00} XXXX XXXX - Opened XX/XX/XXXX Balance : {$14000.00} The following accounts is inaccurately reporting late payments : XXXX XXXX - Opened XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Discover Bank NA alleges I owe a debt of {$10000.00}. I have notified them by certified mail, on several occasions, most recently on XX/XX/year> that this debt belongs to a deceased relative with a similar but not identical name as mine. The alleged debt is owed by XXXX XXXX XXXX and I am XXXX XXXX XXXX XXXX Ive forwarded Discover dispute letters showing a copy of my drivers license with my legal name and address but DISCOVER continues to violate my federal rights by validating a debt that isnt mine. Additionally, DISCOVER mailed me a letter stating that my alleged debt had been written off with a form 1099 showing the amount they forgave. I immediately informed Discover that I was once again NOT their debtor but received no response. To make the situation worse my consumer reports continue to show the debt as owed and valid. Even though its not my debt, it shouldnt report as valid and past due if its written off and forgiven. Discover continues to violate my Federal rights by reporting this erroneous debt as mine even though Ive proven it is not.
Product: Checking or savings account

XX/XX/21 XXXX XXXX XXXX {$340.00} {$360.00} I was charged originally for my original tab, the workers claimed I didn't pay for my tab and called security and then threaten to call police if I did not pay for a " second '' tab, I was forced to pay or threaten with jail.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Allied Interstate has contacted me via mail and telephone to collect on what I can only assume is my student loan. This is a problem as my loan is on a Federal government calculated payment plan of {$0.00} per month. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent 11 minutes on the phone with the individual. I had to ask them repeatedly, taking about ten minutes to get an answer, for the name of the company they were calling on the behalf of. I was called on XX/XX/XXXX, from XXXX ( XXXX ) XXXX, and I spent almost a minute trying to get the name of the company from the caller. I wasn't told the name of the company that the individual was calling for. They are spoofing their location, to appear close to my location. One of the many calls not cited above, I answered by saying, " You do realize that spoofing your location to look like you're close to me makes you look quite XXXX, right? '' The man responded by asking me something like, " Wait, you're not in XXXX, CA? '' That's quite indicative of them thinking that I'm in California, and that they want me to think that they are too. The paperwork they have sent me has a request for {$11000.00}. I have repeatedly asked for proof that they own this debt, and they have repeatedly ignored my request. I refuse to hand over my payment information to a company that can not prove that I am in debt to them. I have also received calls from XXXX, CA ; XXXX, CA ; XXXX, UT ; and XXXX, CA. I refuse to answer these calls, as Allied Interstate refuses to prove that I am legally owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. 
This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. 
Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.
Product: Credit card

Capital One will not give me my credit refund. I have a nearly {$2000.00} credit balance, and they wo n't refund it. I have tried for several months. It is illegal to withhold my credit balance from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened
Product: Debt collection

This is completely inaccurate and not mine. They have even said this but yet they still report it.
Product: Money transfer, virtual currency, or money service

I was I would hear about refunding with XXXX days but I never heard back so I need all my money that I was told that was XXXX XXXX be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2023, I made a purchase using my Bank of America card for {$83.00} on XXXX for what the seller advertised as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The listing photos were poor quality and concealed key details that would have revealed the item is not the " XXXX XXXX XXXX XXXX XXXX '' vintage edition. In fact, using a quick XXXX search, I can see that the item I was sent can be purchased in dozens of places for as little as {$15.00}. When the item arrived and I saw that it was not as advertised, I requested a return. The seller denied my request for a return. I tried to get XXXX customer service involved, but the automated system automatically denied my return request as soon as I submitted it. I then disputed the charge with Bank of America. XXXX told Bank of America that the return request was approved but I never sent the item back to the seller. This is a lie the seller did not allow me to return the item! Bank of America then denied my claim/dispute. I called Bank of America customer service and have been on hold for over half an hour I can't get through to customer service to get help. I was scammed.
Product: Debt collection

Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.
Product: Credit card

I am filing this complaint regarding XXXX from Discover 's executive office, phone number ( XXXX ) XXXX. According to previous CFPB Report. Despite submitting multiple documentation, including two police reports and screenshots of breached accounts charged to my Discover account, my fraud claim remains uninvestigated. I have previously spoken with XXXX two years ago from another CFPB report, and now I feel racially discriminated against. From previously putting my ethnicity in a CFPB report two years ago..

The claim has been denied repeatedly, with the reason being that payments were made on my account. This reasoning is illogical because not making payments would have led to my Discover credit card account 's closure. Even after submitting new documentation, the denial reasons haven't changed. Discover originally mishandled my fraud claim by filing it as a billing dispute multiple times, causing fraudulent charges to accumulate. 

Due to the continuous denial and being recharged for fraudulent charges already paid for, I stopped making payments, leading to my Discover account 's closure. I am a victim who paid thousands of dollars, but Discover refuses to follow federal guidelines. Additionally, Discover keeps reporting a negative balance to the credit bureaus, significantly dropping my credit score. Discover advised me to request in writing to stop reporting, as is my consumer right, but they have not complied.