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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

I was in a loan modification. My payment was late XXXX due to the mail service. I mailed the payment in time, they state it was late and refused it. I was removed from the loan modification and they state I am in pre-foreclosure since XXXX. They have returned 2 payments but I have not received XXXX payment back. They stated it would be returned and NOT to send any other payments. I have talked to them several times, submitted paperwork and its always something else to prevent a meeting modification. All of this has been going on during COVID. I have to re-qualify for a home I have had since 2006 and the interest rate is ridiculous. I want to keep my home. We have also discussed having my wife added to the mortgage and was denied. Any assistance you can give is greatly appreciated.
Product: Debt collection

They keep calling me about somebody else 's debt. Not even my debt. I blocked one number they called me on another number.
Product: Debt or credit management

I have over XXXX accounts reporting negatively from medical debts. I thought there was a lot of past this month stating that medical debt was to be removed from our fair credit report.
Product: Credit card or prepaid card

I took advantage of a zero interest balance transfer offer made by my credit card, Citi Cards ( zero interest until XX/XX/2019 ). I clarified with a chat customer service representative that in order to not be paid interest I would have to pay the minimum payment due and the standard purchases in that statement period. Two months in a row, I was charged interest even when I made a payment that covered both the minimum payment due and the standard purchases on the account. The first month it happened, I contact the customer chat representative, they acknowledged that there was an error with how Citi calculated the interest and credited me the interest charge. I was also assured that this would not happen again. The next month when this happened, I contacted the chat customer service, and they could not explain to me why I was charged interest and I was told to call customer service. Each customer service person I spoke to refused to understand how I overpaid the minimum amount and finally I had to be transferred to a manager. XXXX, the manager, told me that he can not give me a refund because I already received a courtesy refund last month. I explained that the refunded interest was as a result of an error and demanded that he take my through the statement I was charged interest on in order to explain how I did not pay the minimum amount. He tried to show me how I overpaid but when the math clearly showed that I had over paid what the minimum amount was ( the min amount due plus standard purchases ) he put me on hold and then told I was correct that the system made an error. He also told me that this was the last time he could give me a courtesy refund on interest charges. I demanded to know how this was a courtesy because Citi had made errors both times in calculating interest. He stated that it was not an error because if I want to avoid paying interest while taking advantage of a balance transfer offer, I need to not make additional purchases. It is clear to me that this problem is prevalent to all customers who take advantage of citi balance transfer offers and that customers are bring maliciously charged interest.
Product: Credit card or prepaid card

Brand new XXXX XXXX XXXX XXXX XXXX XXXX XXXX As soon as I activate my card I am asked to call customer service because fraud has been detected. 

Called a total of three times and was not transferred to a supervisor. 

I gave them the following the verify but they said they just needed to send a letter with a special code to call with. I asked if they needed to verify my address and they said it was on file so, very ironic considering the situation. 

Verification Items Provided : XXXX card number open for 1.5 years. Couldnt verify. 
XXXX XXXX card number open for 8 years. Couldnt verify. 
Current cell number. Couldnt verify. 
Old cell number ( still active and has been for 15 years ). Couldnt verify. 
Also sent them my most recent XXXX  during the application process with matching address and they still couldnt verify. 

Waiting for the letter to verify now and a possible call from management since I instructed them Id be filing a formal complaint. I will likely just close the card once Im able to verify since it has been such a bad experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had TWO bankruptcies filed in my name. One in XX/XX/XXXX the other XX/XX/XXXX. Ive been fighting to remove them for years. After hiring credit repairs companies and getting nowhere I spoke with an attorney in XXXX. He advised me to contact the BK court directly. Upon doing so and providing them with my SSN I was told there was no BK filed in their system. I told them there has to be some mistake because I have two on my credit report with case numbers from that specific BK court. The clerk asked me to provide my full name and thats when the BKs were found. She advised that I come to the court and get the files because although the name matched there was a different SSN of the BKs. I went down the very next day, got the documents showing my SSN was not on the BKs, submitted those documents to each of the three credit bureaus and within a week XXXX and XXXX removed them. Today is XX/XX/XXXX and once again Experian just sent me a dispute update stating the BKs remain because the reporting verified them to be accurate. Ive even taken these documents to my local police department and filed a report which Experian also has, yet they still refuse to remove the BKs. Im beyond frustrated and dont know what to do besides file a complaint against Experian.
Product: Debt collection

Debt was paid. A letter of debt satification was provided to me. I have spoken to repesenative for the company and even provided the same Letter of Debt Satifaction. It been almost 2 years since the debt has been paid and it still reporting negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/XXXX I made an agreement with XXXX XXXX ( XXXX XXXX ) to settle my debt for 60 % of the total owed, which equaled {$1400.00}. 
2 ) Payment was made by certified check through the closing company that settled my mortgage. They required me to negotiate this debt in order to provide financing. 
3 ) On XX/XX/XXXX I emailed XXXX to see if my payment had been received and applied to my account. 
4 ) On XX/XX/XXXX XXXX replied to my email, stating that my account had been transferred back to Resurgent / LVNV. In addition, she told me to contact them regarding the matter that I had already made an agreement on. 
5 ) On XX/XX/XXXX I decided to make an online account with LVNV, in order to see the status of my account. Right under account details it showed my payment in the amount of {$1400.00} was posted in XX/XX/XXXX. 

I have clearly proven I met my end of this obligation and that both companies have lied to me and refused to remove this incorrect information from my credit report. In addition, I have filed complaints with all three major reporting agencies, all of which said they investigated my complaint and that the debt was valid. 

Please help me in regards to this matter. I have attached all of the evidence I have. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Checking or savings account

Random money for service fees was being taken, years ago I would be charged if I transferred funds too many times from my savings to my checking on the mobile app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME MEDICAL BILLS WHICH I AM UNABLE TO PAY. THEY ARE AS FOLLOWS : XX/XX/19 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX FOR {$1400.00} XXXXXXXX XXXX XXXX XXXX  " ' '' ' '' ' '' ' '' ' '' '' {$150.00} MIRAMED REVENUE GROUP XXXX XXXX XXXX XXXX XXXX IL XXXX {$52.00} XX/XX/19 MIRAMED REVENUE GROUP ' ' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' ' '' ' '' ' '' ' '' ' '' ' '' ' '' ' '' {$330.00} XX/XX/19 MIRAMED REVENUE GROUP '' ' '' '' '' ' '' ' '' ' '' ' '' ' '' '' {$59.00} XX/XX/19 THESE ARE ALL MEDICAL BILLS FOR A BACK PROBLEM WHICH I CAN NOT AFFORD TO PAY. MATTER OF FACT I AM GOING TO HAVE BACK XXXX ( VERY SERIOUS ) IN THE NEXT MONTH.. I AM NOT REFUSING TO PAY THESE BILLS. I JUST CAN NOT PAY THEM NOW. THEY ARE AFFECTING MY CREDIT REPORT VERY BADLY. MY CREDIT SCORE WENT FROM XXXX DOWN TO XXXX DUE TO THESE COLLECTIONS. ON TOP OF THAT I AM GOING TO BE OFF WORK FOR AT LEAST 4 TO 6 WEEKS ACCORDING TO MY SURGEON. IF THESE COMPANIES WOULD TAKE THESE OFF MY CREDIT REPORT, I WILL BE WILLING TO DISCUSS PAYMENT WITH THEM AFTER MY XXXX AND I AM BACK TO WORK. I WAS UNDER THE IMPRESSION IT WAS AGAINST THE LAW TO HOLD MEDICAL BILLS AGAINST YOUR CREDIT. IT IS UNFAIR. ALSO, I HAVE DISPUTED SEVERAL TIMES ON MY REPORTS THEY HAVE MY ADDRESS AS XXXX XXXX ... I HAVE NEVER IN MY LIFE BEEN TO XXXX LET ALONE LIVE THERE, YET IT IS STILL ON MY REPORT. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I was astonished when I looked at my XXXX, XXXX  and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Debt collection

There is an AMEX listed on my personal credit file which I haven't had an AMEX is over 7 years, this is inaccurate and needs to be removed. Please help
Product: Checking or savings account

I know I had other unauthorized withdraws on my account that I got money back for but i did what I was told by XXXX and XXXX on this latest one and I want my almost XXXX  dollars back cause I did not do the transaction and never authorized it ... .the money was taken and j contacted XXXX and XXXX and was told to contact my bank to get it back but wells fargo refuses to return my money and instead closed my accounts but I also see that I am not the only one who has had issues with wells fargo and filed complaints ... ..just give me my money back... 
I guess according to wells fargo it's okay for people to steal money out of customers accounts then blame the customer for it, such a banking practice ....
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX balance {$64000.00}.
Product: Debt collection

Checked my credit report and seen afni on my credit report claiming I owe {$640.00}, I dont know this company at all
Product: Checking or savings account

In XXXX XXXX I met with XXXX XXXX XXXX XXXX of Citibank in XXXX XXXX Florida. Branch address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told her I was signing up for a special promotion I saw for {$2000.00} to open a Citibank business account and fund it with XXXX min for the required depsoit period. This applied to all citi business acounts at the time. I opened a chjecking account and a money market account. I never got the {$2000.00} signup bonus although I qualified for it. I called the toll free number on XXXX at XXXXXXXX XXXX and somebody in the XXXX told me she knows nothing about this. I understand that other Citibank business customers are not getting the proper bonuses as they should be. This seems to be a widespread problem that needs to be resolved. I could have gotten higher interest at other banks, however I took the Citibank offer and they do not want to pay the terms of the offer.
Product: Bank account or service

I had receive a check in the mail for XXXX that was given to me from a friend who needed money. I went to bank on XXXX to deposit the check and bank teller deposit money into my account. I ask bank tell if the check going to be clear on XXXX and she said, '' yes '' that it would be in my account XXXX morning. when I check my bank account, the money was in my account XXXX morning. The local bank of America that I bank with, used the money for my purchase that I have made last week to pay for a bills as well. I went to the local XXXX to get a money order to send to a friend. the first money order went through with no problem and second one did not cause bank put a hold on my debit card thinking that it was a fraud or somebody using my card. so I told them to cancel check for XXXX and that I was going to go see if XXXX going to give me back the money. customer service department of bank of America told me that they going give me back money and put it into my account at midnight it never went in. XXXX, I got paid with my regular pay check and bank took that money as well to pay for my bills. only thing that see that bank did was reversal of the XXXX in my account. the whole time neither bank nor customer service never call to tell me that check that I deposit into my account on Monday was no good. I also have fraud protection on my account. I call customer service on Friday about my account, they told me that they sent XXXX check back to owner and that he put a stop payment on the account. so they charge me XXXX fee and XXXX for my account being over draft. they said that I have pay them the money or the friend that sent check have to pay them. this was from my local bank of American who I talk to one of local manager at the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these accounts as soon as possible : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I had a very low and manageable car payment with Key Bank. I paid it over the phone each month without incident. Then in summer 2022, I called in to pay. After I received notice that payment wasnt received. I tried called to pay again via phone. The same result. This happened once again. Finally the company admitted the person taking the payment had made a mistake with the account numbers all these times. However, it was too late to do anything except pay the entire balance of the loan. It is documented that they made errors with the account numbers. I never had {$6000.00} which is the balance of loan. They repossessed my car. My credit is ruined over a {$260.00} car payment and a clerical error. I desperately tried to get any other resolution from Key Bank but no help.
Product: Debt collection

XXXX XXXX is continuing to block my attempt to payoff a court ordered judgement. They have blocked my number & XXXX in the legal dept is avoiding contact with me. I contacted Hunter Warfield on Wednesday XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. The Fair Debt Collection Practices Act ( FDCPA ) prohibits the addition of any interest, services fees, collection costs or other expenses incidental to the original debt unless it is expressly authorized by the agreement creating the debt I have expressed to XXXX XXXX that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgment that XXXX received against me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, Precinct 4, place 2. Hunter Warfield is in violation of the FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whatever is tendered as payment, whether property, money or an INSTRUMENT, if ACCEPTED, the deb is discharged.

" Also see ; UCC 3-311, 3-603 AND 3-601 Affiant is awre and knows that all complaints of MAIL FRAUD can be handled through the XXXX, including butnot limited to any ATTEMPTS TO DEFRAUD emanating for your office. 

Affiant is aware and knows that in the event of any opposition to this " AFFIDAVIT OF LEGAL TENDER OF PAYMENT ACKNOWLEDGEMENT AND DISCHARGE, the opposition must be done b rebutting each and every point, point by point and making said rebuttal public record, signed in the rebutting party 's full Christian/ Family name, under penalty of Law including but not limited to perjury.