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

I have fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. ( XXXX XXXX ) XXXX asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Checking or savings account

never opened account with XXXX XXXX XXXX. fraudulent account. I only have a state ID that i have had since XXXX, my ID does not end with XXXX, it ends with XXXX, they have the wrong information.
Product: Checking or savings account

I found out my name is in the Wells Fargo database not attached to any account and I asked to have my name and address removed from their database I've never had an account personally with Wells Fargo bank I was XXXX of a political club which had an account at Wells Fargo but I left that position over seven years ago I've never had any other business I've gone to two branches to ask that my name be removed from the database and they said they can't do this and I don't understand why if I want my name removed from the database they won't do it can you please help.In their database I am listed as XXXX XXXX address XXXX XXXX XXXX in XXXX XXXX XXXX and I don't understand why I am in their database and how can I get my name removed.
Product: Debt collection

When I first diputed the account XXXX XXXX I get the reply that I have no obligation letter towards the debt. And when I disputed the debt with written letter I got the reply from them stating to dispute provide docs ..and again I disputed I got no obligation letter this is confusing unable to understand I have any obligation towards the debt or not
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. Furthermore, I demand that you demonstrate your lawful authority to conduct business with me or any other contesting consumer. You do not have the right to act negligently, as you are holding me at risk of financial and creditworthiness harm. Therefore, I demand that if you are unwilling or unable to comply with my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions towards me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX I noticed an unauthorized hard inquiry on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ. ( XXXX ) XXXX. After repeated phone calls to this place I finally got a hold of someone there and was told they have no idea why this was done. At this time I had no reason to apply fro any type of credit be it by a new card or a purchase/ Calls have still gone unanswered from this place. I spoke with XXXX and they said I can not get this removed even though they furnished the info to these people unauthorized
Product: Credit reporting

I have disputed XXXX several times. I provided Equifax and XXXX with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently disputed fraudulent/erroneous accounts on my my credit reports with XXXX, Equifax, and know XXXXThe accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.
Product: Debt collection

received a letter in the mail from XXXX XXXX XXXX XXXX for a reduced balance amount. Creditor listed as DeVille Asset Management, LTD. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called XXXX and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email stating that XXXX had an data breach of their consumers information. Also, the email stated that I need to contact the other credit bureau to dispute items off my credit report because of XXXX  data breach. Here is the following information about the inquiries on my credit report for Experian. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX/XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Also, I have XXXX collections on my credit report for Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$940.00}
Product: Checking or savings account

On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft ( Fraudulent Accounts ) This list of clients are fraud or identity theft accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my credit report I noticed the below account in there. My personal information has been stolen, I am submitting my ID and Identity theft report to certify this disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted XXXX  many times and no resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  are reporting the account as charged off but also reporting a balance due. I have spent hours on the phone with them on numerous occasions to try and resolve the debt. They literally won't take my money. I have also disputed the incorrect information and they refuse to change it. Instead, within days of the dispute they add more negative comments to my report like overdue balance and over limit. My credit got destroyed during XXXX and this is the only account I haven't been able to resolve and it is preventing me from moving forward. To make it more confusing, there is no collection agency for this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was notified that a loan was opened up in my name fraudulently with fig tech inc - phone number is XXXX. 
They verified that the account was in fact fraud ( see email attached ) and said they would have it removed from my credit within 10 business days. XXXX  of the XXXX  credit bureaus have since removed it from my credit. But XXXX  has some how verified the account as valid? Insane. I have contacted XXXX  and they advised me to do a complaint. I want to do a complaint on XXXX  and figloans. Figloans has confirmed they have sent the information to remove from my credit. XXXX even though I filed multiple fraud reports continues to view this account as accurate and even hit me with a missed payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice, I had a fraudulent account on my report. Please remove this account from my consumer reports. They are hindering my ability to obtain financing for a purchase of a car or getting approved at a higher interest rate, for better employment, get approved for funding a startup business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is investigating! 
XXXX XXXX and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! Old National Bank, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Product: Credit card or prepaid card

XX/XX/2020 - placed order to XXXX  XXXX - {$230.00} Received wrong part - unable to secure return info XX/XX/2020 Filed dispute with XXXX XXXX - provided conditional credit XX/XX/2020 Parts direct said they had not received return ( I awaited return instructions, and XXXX reversed credit. 
XX/XX/2020 Part received back at XXXX  XXXX  - XX/XX/2020 XXXX  XXXX  issue credit for {$220.00} - XX/XX/2020 XXXX bank says they did not receive credit and XXXX  XXXX  says their transaction detail states the credit went through XX/XX/2020 XXXX says to contact XXXX  XXXX  to issue new credit and XXXX  XXXX  says they can not because this account has come to " XXXX  '' due to charge and credit back.
Product: Debt collection

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
-CB Indigo/ GF was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXXXXXX  XXXX  XXXX  of {$1400.00} date opened unknown. 

I did not open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens savings and loan has pulled hard inquiries on my credit report without my consent 6 times since XX/XX/XXXX to XX/XX/XXXX.
Product: Vehicle loan or lease

GM Financial sent me an email that they received a notice the car was impounded. We left the car at a repair shop ( the owner apparently had died in the meanwhile is what the current owner of location is saying ), that apparently it was stolen and sold on XXXX XXXX XXXX ( according to the police in FL ) with a stolen title in FL. Someone tried to transfer the title or pick up tags where it was discovered. The FL police reached out to GM Fin'l, asked if they still had a lien, and GM Fin'l picked it up. This was approximately from Spring sometime until XXXX. I had been making payments the whole time so had no idea. GM Fin'l blocked my acct to receive any add'l payments, causing it to go into default, called the loan due but never gave me a payoff nor would give one when requested, sold the car for at least $ XXXX more than was owed, and refunded me two payments. It's being reported incorrectly on XXXX as a charge off. There should not be default because they caused the default by blocking the payments being processed. And they sold the car and kept to proceeds. I'm located in XXXX GA area. A XXXX XXXX. Acct XXXX. I can't get into the account to pull the full account number. Also I had a legal name change in the meanwhile, so name changed on account to current name XXXX XXXX XXXX, but initially was XXXX XXXX. The police officer had me submit a statement. It is attached. His name is Officer XXXX XXXX. Email address : XXXX. I recently was denied for a new car loan and am paying very high interest on the loan that was accepted.
Product: Debt collection

MCA management company is contacting about a balance from XXXX XXXX. This amount was paid by my insurance XXXX XXXX. The balance they are attempting to collect is the amount that XXXX XXXX discounts for XXXX XXXX being a participating provider. 

I have called ( don't have record of date ) XXXX XXXX when I received the first bill and sent them a letter on XX/XX/2022. After receiving the collection notice from XXXX, I sent an online email on XX/XX/2022 and mailed the same text and documents to them on that date. I have had no response and received another collection notice. 

I have attached all information, including my letters/email sent and the explanation of benefits from XXXX XXXX  showing I do not owe this amount.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance with the removal of inaccurate personal information on my credit report. Despite my multiple attempts to correct this issue directly with the credit reporting agencies, the incorrect data remains, and I have been unable to resolve the matter. 
The incorrect personal information listed on my credit report includes the following : * Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, * Address : XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Social Security Number ( SSN ) XXXX * Date of Birth : XX/XX/XXXX, * Employers : XXXX, XXXX, XXXX XXXX, XXXX XXXX of Florida I first identified these inaccuracies on my credit report on XX/XX/XXXX Since then, I have disputed the inaccuracies with the following credit bureaus : * XXXX * Experian * XXXX I have followed the required dispute procedures, providing supporting documentation such as my government-issued ID, & proof of address, Despite these efforts and my continued contact with the credit bureaus the incorrect information has not been updated or removed. This inaccurate personal information is causing confusion and, in some cases, may lead to potential identity fraud or errors in my credit profile. I am concerned that it may be affecting my creditworthiness, and I would like it corrected as soon as possible.

I kindly request that the Consumer Financial Protection Bureau assist me in resolving this matter by helping facilitate the removal of these inaccuracies from my credit report. 
Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving these inaccuracies. If you need further documentation or information from me, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I have an auto loan with Santander and each month when I make the payment online I 'm charged a {$10.00} " convenience fee '' The only way to avoid this fee is to mail the payment or setup auto pay with the bank - neither of these works well for me. What can be done to stop them charging a fee for me doing their work?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 and XX/XX/2018 I sent two certified notarized letters via USPS to Equifax ( Tracking # XXXX XXXX XXXX XXXX and Tracking # XXXX XXXX XXXX XXXX XXXX ). The first letter demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Equifax has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

The second notarized letter request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 25 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

All certified correspondence sent to Equifax will be used in court to seek monetary award for damages to my personal credit
Product: Debt collection

Last XXXX I contacted XXXX and informed them that on XX/XX/2020, the debt they had assigned to yet another debt collector had been assigned as part of my divorce settlement to my ex-husband as his debt. I provided the collector with a copy of the divorce decree via certified mail and they lost it in XXXX XXXX XXXX. The debt continues to be placed from agency to agency to keep it new and hitting my credit. I have told them not to contact me and that I was not responsible for the debt.
Product: Credit card or prepaid card

On XX/XX/2018 I noticed on my Capitol One bill an interest charge of almost XXXX dollars. I pay my bill in full each month ( and have for years ). I  called them and they explained ( very poorly ) that they would remove the charge but that it was the interest on recent purchases ( i.e. next months bill ) in effect the grace period had magically disappeared and my rate was now over 22 percent ( it was 11.99 APR when I first signed up years ago ). My recent bill they did the same thing ( added over XXXX dollars in interest rate charges ).