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

To Whom It May Concern, I am writing to formally dispute the inaccurate and incorrect information listed on my credit report concerning the following accounts : 1. Account # XXXX with XXXX XXXX Collection Date Opened : XX/XX/XXXX Amount : {$680.00} XXXX. Account # XXXX with XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$4400.00} XXXX. Account # XXXX with XXXX  Date Opened : XX/XX/XXXX Amount : {$1900.00} The information reported on all of these accounts is inaccurate and should not appear on my credit report. I initially filed a dispute with XXXX, requesting a proper investigation into these accounts. However, XXXX failed to follow up on my dispute and did not take any corrective action to address the inaccuracies. 



I recently learned that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX. The allegations against XXXX include : Accepting unreliable and inaccurate information from data furnishers, and Failing to notify consumers of the results of their disputes in violation of federal laws. 



These allegations align directly with my situation. XXXX has not made any effort to address my dispute, remove the inaccurate information, or correct the errors despite their obligations under the Fair Credit Reporting Act ( FCRA ). 



The presence of these inaccurate and derogatory accounts on my credit report is negatively affecting my financial stability and opportunities, including my ability to secure housing and a vehicle. XXXX failure to address this matter is not only a violation of my rights as a consumer but also a breach of federal laws designed to protect consumers from these exact issues. 



I am requesting the immediate removal or correction of these derogatory marks from my credit report. This matter must be resolved promptly, as these inaccuracies are causing undue hardship. If this issue is not addressed, I will have no choice but to pursue additional legal remedies to protect my rights. 



Thank you for your time and attention to this urgent matter. Please feel free to contact me directly if further information or documentation is needed to assist with this investigation. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX
Product: Debt collection

I have had numerous energy accounts opened in my name in texas since XXXX  recently i recieved a collection letter from resurgent collection agency from a co called XXXX XXXX  XXXX  XXXX this is not mine names appear in my credit report addresses from texas i have never been or know anyone in texas please help
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRIES : XXXX XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXXXXXX XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY FOR CREDIT CARD CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE. 

XXXX DATE : XX/XX/XXXX CALLED COMPANY THEY SAID I HAVE TO CALL THE BUREUS TO DISPUTE.
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX FCU # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX FCU - XX/XX/year> XXXX FCU - XX/XX/year> XXXX CARD - XX/XX/year> 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 XXXX 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 or other personal consumer reports

Why the 3 credit bureaus re refusing my dispute please delete all the negtive account lists below ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
4. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
5. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
9. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 

10. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681a ( 3 ) this account is in violation of identity theft and fraud my identifying information was given to another person without my consent XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX : Account number XXXX 2. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Mortgage

Mr copper mortgage I paid on XX/XX/2021 as of today which is XX/XX/2021 they have taken 7 payments out of my checking account in the amount of XXXX $ each payment! My checking account is now negative XXXX $
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by : Capital One Bank Inquiry made on : XXXX To Whom It May Concern : I am writing to dispute the following information in my file I recently received a copy of my credit report and I notice there is an authorized credit inquiry Made by the company listed above. To my knowledge I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization and for no legitimate business purposes. As such it is very serious error in reporting. I never authorized such Action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names, business addresses, and phone numbers of those who made the unauthorized credit inquiries so I may contact them directly. In addition I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so that I may verify its validity.

If you find that I was not the one who authorized this inquiry I ask that it be removed immediately from my credit file. Please be kind as to forward me documents that you have had the Authorized inquiry removed. If you find thats its a error please show proof to me. Finally, I am requesting an updated copy of my Report, which should be sent to the address listed above. According to the provisions 612 ( 15USC 1681j ) there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY should not have 120 + 120 thats inaccurate should have 120+. Does not report on EX & EQ. DATE OF LAST ACTIVE IS OUTDATED XXXX. THERES NO LAST PAYMENT DATE nothing reporting. Not saying i want documents of payment i want this account removed. No update in comments from last dispute. This account does not report correctly needs to be removed in statute of limitations HISTORY IN INCORRECT IN STATUTE OF limitations I DONT WANT VERIFICATION I WANT ACCOUNT REMOVED PLEASE XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on TU HAS 90 days & XXXX  HAS 60 days. last reported dates are wrong & different last payment TU HAS XX/XX/2022 & XXXX HAS XX/XX/2022. THIS ACCOUNT HAS BEEN OPENED 2 different TIMES TU XXXX & XXXX XXXX. Im sorry but this account inactive doesnt want to update please delete this account for frca rights THIS ACCOUNT IS REPORTING 60 days LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION Want both removed 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

THANK YOU FROM XXXX
Product: Credit card or prepaid card

I paid for a Hilton gift card issued by American Express. American Express had a promotion where the gift card could be purchased at a slightly discounted price. I have verified that the card contains {$100.00}. 

I attempted to use the gift card for a stay at the Hilton XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only way to attempt to use the card is at checkout upon leaving the property. There is no way to pay with the gift card upon booking or arriving at the hotel. 

The front desk was unable to process the my gift card upon checkout. She apparently attempted this in different ways and for different amounts. All were declined. I had to pay for the stay entirely with a credit card. I rarely stay at Hilton 's and it may be years before I have an opportunity to attempt to use the card for payment again. 

Upon returning home and researching the issue, I found numerous examples posted online where American Express knows about this and has not fixed the issue. You're basically playing the lottery with these cards, hoping that the gift card will be accepted. See XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I contacted my local branch office ( TD Bank ) on XX/XX/XXXX to pay off a personal loan in full. I was informed this could only be done in person. On XX/XX/XXXX I went to my local branch and made a payment for the balance of the loan. I returned home that night and checked my on-ling banking, the loan was no longer listed. Two days later I checked my on-line banking and saw the loan had been re-opened and an additional monthly payment ( {$390.00} ) was taken out ( XX/XX/2021 ). 
I called the bank to discuss this mistake. They explained it would take several days but the money would be returned to me shortly either by transfer or check. As of XX/XX/XXXX I had not yet received the surplus withdrawal back to my account. I called the bank again and was told the payment would be going out by check and I would have it within the week. 
As of XX/XX/XXXX I still have not received the payment. I called again and was told that the check was processed on the XXXX and I should receive it soon. 
While I hope this is the action that will occur I am unsure at this time. Having been lied to multiple times now by the bank and having them repeatedly change the date of the return of my money I decided to file this complaint.
Product: Credit reporting

As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. 

This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : UOP - / or an unauthorized agent at XXXX XXXX XXXX XXXX school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged student loan account from USDOEXXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with USDOE/XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX transunion XXXX refuses to block lnvv funding toyoyta and XXXX card from my account the fcra law states that they have 4 days to block these accounts from my credit report
Product: Credit card

Misleading Balance Transfer Offer on Chase Reserve I have used a balance transfer offer in XXXX XXXX XXXX for {$15000.00} at a 4 % fee, and was told all purchases going forward will be charged an interest unless I make a payment. 

From XXXX, I for every purchase I have paid back the usage and at times more than that the monthly purchases every month. But I am getting charged an interest. I have contacted Chase multiple times and every time they give a different reason. 

So in the month of XXXX I significantly reduced using the card and just used {$200.00} and paid back {$360.00} which is higher than the purchases and minimum balance due. Even then I was still charged a fees of {$23.00} which is almost 140 % interest rate. So, I started looking back each statements, and realized I was getting charged interest which kept on increasing even though I made full payments. This did not make sense and contacted customer care again.The customer care says there is some terms and conditions which says from the day of balance transfer to end of statement i was not allowed to make any purchases. So even if i pay the full purchases amount the bank will still keep charging me interest. 

Upon contacting customer care, I was told to pay back the whole of {$15000.00} so as to avoid interest even though I had a 0 % APR on balance transfer. Contact XXXX XXXX PST, conversation with XXXX XXXX 

Now I am a significant loss, I had to pay the high interest even though i have been paying back more than my purchases. On top I have to payback the whole of balance transfer which means the bank gets to keep the 4 % gaining profits. 

This looks like unfair interest rate being charged without any basis.
Product: Money transfer, virtual currency, or money service

Money went missing from my cashapp account XXXX/XXXX/2023 {$3000.00} I went to retrieve it and it wasnt there I couldnt contact them via phone.
Product: Debt collection

Dear Sir/Madam, I am writing to express my concern regarding a recent collection notice I received from Pro Collect. This was the first instance where I was made aware of the alleged debt. I promptly contacted Pro Collect upon receipt of the notice, only to encounter an uncooperative agent who did not take the time to understand my situation. 

Despite not receiving any prior information about this debt from my landlord, I took the initiative to reach out via Pro Collects website to gain clarity on the matter. In response, a supervisor provided me with the necessary details on XX/XX/XXXX, and I immediately settled the amount in full on the same day. 

However, I am perplexed as to why this matter was reported to the credit reporting agency, thereby negatively affecting my credit history. This seems particularly unjust given that I was previously unaware of the debt and promptly cleared it upon notification. 

I strongly believe that the actions of the landlord and the debt collector have unfairly tarnished my credit history, making it challenging for me to pursue homeownership. It is important to note that I have maintained an impeccable rental history, never missing a single payment. Furthermore, I returned to the same apartment within 30 days of moving out, providing ample opportunities for the landlord to inform me of any outstanding dues. 

I kindly request your immediate attention to this matter and look forward to a resolution that rectifies the impact on my credit history. 

Thank you! 

XXXX
Product: Checking or savings account

I deposited XXXX into my citi checking account on XXXX. I get emails saying my deposit has been accepted. I try to transfer funds over to my brokerage account and I can't do it. I call citibank and they say they can't verify the security deposit check from my former rental management company, after the company calls citi and gives them the information they need to verify the phone number of the company who issued this check the company tells me citi would call me about the matter, I never get a call from citi and they have blocked access to all my accounts without giving me a reason why, I've been in contact with citi for the last few weeks and they keep me on hold for 45 minutes without telling me why my accounts are blocked. I have never had issues before with my accounts until the deposit of this check which has been verified.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX - XXXX, XXXX 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 CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX EMPLOYER - XXXX
Product: Debt collection

I tried to collect the correct information for this debt, and it was unobtainable through them and would not provide it.