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

I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unknown company needs removed XXXX XXXX Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXXXXXX XXXX Please delete all hard inquires listed in documents and above.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to report improper use of my credit report formally and to express my concern regarding unauthorized inquiries that have negatively impacted my XXXX XXXX. 
It has come to my attention that there are several hard inquiries listed on my credit report that I do not recognize or authorize. These inquiries have adversely affected my XXXX XXXX, making it difficult for me to secure favorable financing options. Under the Fair Credit Reporting Act ( FCRA ), I can dispute any inaccuracies in my credit report, including unauthorized inquiries. 

I'd like for you to look into these questions and take appropriate action to remove any that are not legitimate. I believe these inquiries XXXX violate the FCRA provisions that require a permissible purpose for accessing my credit report. 

I would appreciate a prompt response regarding the actions taken to address this matter. 

Thank you for your attention to this issue
Product: Money transfer, virtual currency, or money service

Since I've had cash app it's been a huge problem I would get charged double or money would be taken out of my account for purchases that I didn't even authorize. Tried to contact customer service any time they wouldn't help but just suggest to buy a new card or to lock my card so the transaction wouldn't take the money out
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

ARS Services has posted a wrongful collection account that does not belong to me. This has been reported to credit bureaus and I have attempted all mediums to explain that the account was for someone that I do not know. Finally, I spoke to someone in their company and she assured me that it would be deleted as it was obviously not mine and still showing on credit file. This is making it impossible to get the lending needed for my business and affecting my live in a negative manner. I ask that they please do the right thing and delete this false collection from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that XXXX XXXX supplied to XXXX, XXXX and Equifax credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & XXXX XXXX XXXX ) that I previously had with XXXX. 


Prior to the Pandemic I had Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of  XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Debt collection

AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Good afternoon, My name is XXXX XXXX XXXX and I am writing to request your assistance with a fraudulent charge that occurred in a Rooms to Go store in Texas. <P/>To start, I have never visited Texas and I am currently stationed in Georgia. Below is the information regarding the transaction. The Transaction was for {$340.00} and {$40.00} have accumulated in late fees. <P/><P/>Before the transaction, my account had no balance because I had already paid off my balance in XXXX 2017. Although the transaction occurred in XXXX XXXX 2017, a statement was not executed until XXXX. It is unclear how the transaction was authorized because I have the card and I have my state IDs with me. I have not authorized users on this account, and I have not lost my wallet. <P/><P/>I have contacted the store in XXXX to no avail. I explained to the Sales Rep ( over the phone ) XXXX XXXX XXXX that I am set to deploy at the end of this month and needed more information about the purchase. She explained she needed me to fax information or to visit a local store. <P/>Moreover, I have contacted Synchrony bank and reported the fraudulent transaction. Unfortunately, the investigation will take up to 60 days. I am set to deploy at the end of this month and may not have the ability to track this issue. The charges are still showing on my account including the late fees. <P/>Finally, I have contacted Rooms to Go and explained the matter.
<P/><P/>Thank you in advance for your time. <P/>INFORMATION ABOUT THE TRANSACTION : XXXX ROOMS TO GO XXXX XXXXXXXX XXXX TX ( XXXX XXXX, 2017 ).
Product: Checking or savings account

On XX/XX/2023, I accessed my checking account and saw that {$10000.00} was withdrawn. The next two days I received notification from US Bank that {$1000.00} and {$200.00} were respectively withdrawn. I called the XXXX XXXX main branch and spoke with an account rep name XXXX, who verified that a cashier 's check for the remaining balance was sent and he verified my mailing address. 
The week of XX/XX/2023, I received a cashier 's check for {$1000.00}. 
On XX/XX/2023, I called XXXX XXXX XXXX and verified with an online representative that the check for {$10000.00} was not returned to them, the issuer, and my account did not reflect a return deposit. The check is still outstanding. 
On XX/XX/2023, I spoke with an online banker name, XXXX, who claimed to have verified with her manager that the check for {$10000.00} is still being verified. She recommended that I call the local branch and request a cashier 's check for that amount. Well, I called the XXXX XXXX XXXX and spoke with XXXX, the branch manager. He told me that the request for a cashier 's check is " handled by the back office '' and he is " not to intervene '' with that. 

I am stressed over this whole issue not being resolved. Why did US Bank make XXXX separate withdrawals for {$10000.00}, {$1000.00}, and {$200.00}, instead of a single withdrawal for the entire remaining balance. Why didn't I receive a single cashier 's check for {$11000.00}? Why is U S Bank taking till XX/XX/2023, and beyond to verify a check? I made an ATM deposit on XX/XX/2023. Since XX/XX/2023, I am being told that the check has to be verified. 

I am trying to figure out what other legal options to take to get U S Bank to release all of the funds expeditiously to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. WHAT WOULD BE A XXXX RESOLUTION TO THIS ISSUE?
Product: Debt collection

XXXX XXXX at XXXX XXXX XXXX XXXX XXXX DE XXXX was my Consumer Residential Trash Service from XX/XX/XXXX through XX/XX/XXXX. I had called and cancelled my service on XX/XX/XXXX which was before the next billing cycle starting XXXX. This was to switch companies for a more favorable price through my Neighborhood Association recommendation. For reference, XXXX XXXX bills in advance for service. So, the next bill due in XXXX would have been for XXXX, XXXX, XXXX, and XXXX Services. At the time of my call to cancel, XXXX XXXX confirmed my request, confirmed that my balance was {$0.00}, and within a few business days, they had picked up their trash cans. A month later, on our around XXXX, I received a past due notice for amount owned of {$130.00}. At this time, I called XXXX XXXX, and again, they confirmed my cancellation effective on XXXX. Then again, on XXXX, I received another notice from republic services indicating my account was past due for the amount of {$130.00}. I again made a phone call to XXXX XXXX with concerns that I was receiving a past due notice for service that was cut off on XXXX. They assured me that the billing cycle would resolve itself and I would stop receiving notices by XXXX. On or around XXXX XXXX, I received a notice dated XX/XX/XXXX from RMS ( Receivable Management Services Corporation XXXX XXXX XXXX XXXX, OH XXXX ) indicating that XXXX XXXX had submitted the amount due of {$130.00} to collections for recovery. I immediately called RMS and disputed verbally the amount. They indicated that they have submitted the dispute request and as of XXXX, I am still awaiting the result of that dispute. Meanwhile, I received a notice in the mail on XXXX from XXXX XXXX with a Final Notice dated XXXX indicating I had 10 days to respond before they refer my account to a Collection Agency. Two Issues here. # 1 ) they sent me the notice post the 10 day turnaround so even if the debt was legitimate, there was no way I had time to respond prior to the supposed turn over to collections. # 2 ) As explained above, I had already received a notice dated XXXX XXXX from the Collection agency RMS as explained above so XXXX had already sent the account to collections so misrepresented the 10 day timeframe starting on XXXX. Lastly, I called a final time today to XXXX XXXX on XXXX to again dispute this charge. They again agreed the account was cancelled and I should have not been charged. They indicated would submit an inquiry to billing and " take care of it ''. I had received this indication before so I asked if they would call me to confirm and the response was " no ''. I feel as a Consumer, I have made multiple attempts to resolve this situation and either XXXX or RMS agency has resolved or even responded to my disputes. Now Im just waiting for it to hit my perfect Credit File so I can dispute through the Credit Reporting Agencies.
Product: Credit card

I have a double cash Citi credit card. I want to file a dispute for a product I purchased on XXXX that has safety concerns. XXXX has instructed me to follow this procedure. I sent a letter to Citi billing dispute which they have not responded to. The product conern is XXXX  : XXXX. I want a refund and the XXXX seller has not responded to my request for a refund.
Product: Debt collection

I had no idea that I had a hospital bill from XXXX XXXX reporting on my credit report until my bank pulled my credit. My father and I share the same exact name address and he is normally ill at times and has to go to hospitals, etc. Not me! 

I contacted the Bullcity Financial of XXXX, NC by phone and they lied by stating that they " represent XXXX XXXX '' and was collecting for a bill. They also proceeded to tell me that they have all of the information that they needed. And that I could not pay a settlement amount because XXXX will not allow it. I contacted XXXX prior to this on a separate issue and they explained that they have no knowledge of how accounts get collected on except in house, payments to their financial department and that they do not have a contract with Bullcity Financial Solutions , Inc. to collect on patient accounts. Bullcity Financial continuously spread lies to consumers about this over and over.

They also stated that they had validated it with a itemized statement which I never received or had any knowledge of... I ask several times where did they gave the info and how did they verify my identity. XXXX proceeded to cut me off and hang-up on me. He was not willing to explain or send info showing that the medical account was properly verified nor was he willing to accept a payment less than what he claimed was owed. The claim that it was a bill from 2019 which was during the pandemic which further negates the fact that no one should be in collections at this point due to executive orders.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning. I can't understand how or why this happened. When I reviewed my report like I usually do, there were discrepancies that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The inaccuracies remained. Im now anxiously requesting that the documents I sent are carefully reviewed to prevent this from happening again.
Product: Mortgage

I am getting payments monthly through XXXX paid to my mortgage company for 18 months, from a program for XXXX. The payments started in XXXX and I made a payment so it would not be late, and after several calls and complains they credited the payment HAF made, so I have always been a month ahead. 
They have not shown a payment since XX/XX/XXXX, after messing up XXXX payment and my account still shows unapplied funds unidentified for a full payment on XX/XX/XXXX. 
There have been NO payments made since, although XXXX has confirmed there has been. After several calls and emails and being told no payments were there, on XX/XX/XXXX I got a message saying XXXX were there, just not credited. I am again approaching the late date in 6 days and I have XXXX payments that are not being credited to my account and has not been since XXXX, this is insane. Here is the message direct from the mortgage company : XXXX Specialized Loan Servicing to : XXXX Sent : XX/XX/XXXX XXXX PM Thank you for your inquiry. The account reflects that the XX/XX/XXXX monthly payment was posted on XX/XX/XXXX already. After further review, there is a note on the account that XXXX payments were received in the amount of {$380.00} each from XXXX FL. Once the posting instructions is sent to have it posted for the XX/XX/XXXX and XX/XX/XXXX monthly payment, the payment will be posted. Please allow additional time as there are multiple loans on the payment that was sent over from the XXXX FL. Thats why the posting take a bit of time. We appreciate your patience while the payment posting is being worked on. If you require further assistance, please do not hesitate to contact us via the online Message Center. Thank you, XXXX XXXX ID : XXXX SLS accepts calls from relay services on behalf of hearing-impaired borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

this complaint has been ongoing with ONLINE INFORMATION SERVICE since XX/XX/XXXX, i have sent them various letters asking for verification in which they has not supplied, and i have also sent it to transunion to verified it since the debt collector can't.I haven't gotten any response from neither of them and this is causing me harm from getting any credit, car or home.I have sent Transunion another letter asking for verification on XX/XX/XXXX as well.
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following REPORTING OF UNAUTHORIZED INQUIRY ... XXXX XXXX XXXX DEALER- XX/XX/2022 2022