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

TransUnion XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear TransUnion Dispute Department , I am writing to formally dispute the following unauthorized inquiries listed on my credit report. According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under certain permissible purposes. Upon review of my credit report, I found several inquiries that I do not recognize and did not authorize. These inquiries violate the Fair Credit Reporting Act ( FCRA ) as they do not meet the criteria for permissible purposes outlined in the law.

The inquiries in question are as follows : Regular Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Review Inquiries : TRANSUNION 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  TRANSUNION XXXX IN XXXX via XXXX XXXX via TRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX XXXX via TRANSUNION XXXX XXXX via 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  TRANSUNION XXXX XXXX According to 15 U.S.C. 1681b ( c ) and 16 C.F.R. Part 602, permissible purposes for obtaining a consumer report are strictly limited to specific situations such as credit transactions, employment purposes, underwriting of insurance, and other legitimate business needs in connection with a business transaction that is initiated by the consumer. The listed inquiries do not meet any of these permissible purposes.

I request that you take the following actions immediately : I appreciate your prompt attention to this matter and look forward to your response.

Best
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 XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : 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

On XXXX XXXX, XXXX in The United States Bankruptcy Court of XXXX Massachusetts case # XXXX and under Chapter XXXX debt owed to " XXXX XXXX '' in the sum of {$820.00} was discharged. XXXX XXXX received a XXXX of Notice of this discharge on XXXX XXXX, XXXX and that is the only account I have ever had under my name and social security there after. 
On or about XXXX of XXXX I noticed a " Pinnacle Credit Services '' reporting on my credit reports that I owed them {$820.00}. When I called regarding this debt I was told it was for a XXXX XXXX account I had recently opened. After explaining to them that this debt was discharged and providing them the above information nothing was done to correct the issue. 
Instead I received harassing phone calls saying that they were taking me to court ( which never happened XXXX. They told me they were not responsible for removing or reporting information to the credit bureau 's and gave me numbers to Vision Financial at XXXX and XXXX XXXX XXXX at XXXX which I spoke with both who simply told me that XXXX was responsible for this. 
I have gone as far as to call XXXX XXXX 's corporate offices and they verified with me that the account I had with them was discharged through my bankruptcy in XXXX and that because of that they would not re-open an account for me under my social security without a large security deposit for 10 years! 
The way Pinnacle is reporting on all XXXX of my credit reports is that this debt is in collections and current and it has been damaging my credit for almost TWO YEARS. 
I am reporting them to the Attorney General as well and my next step will be to hire a personal attorney if you or they can not assist which I will expect Pinnacle to pay for. 
I would greatly appreciate your help as I have been working very hard at improving my credit. 
This company is awful and destroys people. 
Thank you
Product: Credit reporting

I filed bankruptcy at XX/XX/XXXX and i got discharge too but still XXXX shows on my credit report that i am late in my payment. XXXX XXXX was included in bankruptcy. i called XXXX couple times but they did n't fix it. give me a call if you have further question XXXX XXXX XXXX that is shows in my credit report Delinquent Account Lender XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX nullnull A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report.

However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted.

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable.

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Recently updated business software, a double payment in the amount of {$2300.00} was issued to the same vendor on 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. The vendor cashed the XX/XX/XXXX check and promptly returned XX/XX/XXXX check with a note " This invoice has been paid. '' Wells Fargo, our bank, deducted our account twice for the same amount, on XX/XX/XXXX and on XX/XX/XXXX. I called WF on XX/XX/XXXX and was given a claim number and informed me that they will notify me in 10 business days. When I did not hear anything I called again on XX/XX/XXXX and was informed that the claim was denied. When I insisted that I am holding the uncashed check, WF promised to send my complain to their escalation team. I was given a second claim number that was different from the first one. When I did not hear anything again, I called on XX/XX/XXXX and was given the same information that the claim was denied and the second claim number was non-existent. I was transferred to at least 5 different reps and the last one hung up on me. I called again on XX/XX/XXXX, and after getting the same denial I requested to speak to a supervisor, the rep told me that it would be a useless effort since I will be getting the same answer. The supervisor told me he will " stop the payment '' and gave me a claim number, which was the second claim number noone could find in my previous phone calls. I called again on XX/XX/XXXX only to be informed that my case was closed and nothing else will be done. I am owed {$2300.00} by WF and they won't do anything to refund me the money. Please help.
Product: Student loan

I am continuosly getting phone calls and letters stating I did not make my XXXX 2017 payment to Navient. I have it set up automatically through my bank online to make monthly payments of {$200.00}. My bank, XXXX XXXX, records show the check was cashed on XX/XX/XXXX. I sent the records to Navient and they have not fixed the problem. I have spoken with customer service on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to no avail. On XX/XX/XXXX, I faxed the neccessary paperwork from my bank proving they cashed my check on XX/XX/XXXX and they have done nothing about it.
Product: Student loan

My ( and everyone 's ) loan was in forbearance during COVID until XX/XX/2023, but I kept making payments the entire time. Once that date was passed, I was charged interest again, which I fully expected. The payments I made for XXXX, XXXX and XX/XX/2023 included the newly accrued interest, and it was shown on the MOHELA website ( at that time ) how much of my payment went to each. The total interest I paid for this period was about {$800.00}. In XXXX, MOHELA placed my account in forbearance again due to a government sanction on them regarding fair practices. When I went to check on making my XXXX payment I looked at the previous payments out of curiosity. MOHELA had changed my previous 3 payments to show that the amounts I paid all went toward the principal. This would have been OK, except my principle amount did not decrease by the full amount of the payments, basically making my {$800.00} in interest payments " disappear ''. When I called to ask about this error, the ( intern ) agent couldn't find or access any records to show how my payment was allocated to my account and simply offered me a refund of the disputed amount. I declined and asked to speak to someone in accounting who could look up exactly how my payments were applied. I was transferred and left on hold for 164 minutes with no answer, then the phone system hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$10.00} to set up an account with Experian in 2007. I was a victim of Identity Theft, so I wanted to do a Freeze on my account. But of course I occasionally need to open the freeze for legitimate credit needs, but Experian has repeatedly denied access to my account. Further, they refuse to accept my own date of birth or Social Security number as authentic log in information. Further, they have no real way to contact a PERSON for assistance with these problems. 

I PAID for this account. They are obviously required to communicate with me, and provide a way to resolve log in issues.
Product: Debt collection

XX/XX/2018 XXXX CST *****Ive never done business with this company ****** If you are unable to see the message below, click here to view. 

XXXX XXXX XXXX XXXX, Our records indicate that you have an outstanding balance on your account. XXXX is willing to accept less than the full balance by offering you a settlement. At this time we are able to offer you a 40 % discount on your balance. Please contact a representative at XXXX to take advantage of this opportunity. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Sincerely, Customer Service XXXX XXXX XXXX XXXX XXXX OK XXXX You are receiving this message because you have an open account with XXXX. You previously agreed to receive messages from XXXX related to your balance, payments due or made on your account, and actions you may make on your account. XXXX your privacy seriously and does not tolerate spam. You can view our privacy policy here, To report a suspicious e-mail, please contact us at XXXX or call us at XXXX. 

XXXX is a tribal lending enterprise and governmental instrumentality wholly owned by the XXXX XXXX XXXX XXXX, a federally recognized XXXX tribe. XXXX is regulated by the XXXX XXXX XXXX XXXX and licensed soley under the laws of the XXXX XXXXXXXX XXXX XXXX. XXXX is not licensed in any state. Your loan application and agreement were deemed received and accepted, and all aspects of the loan approval process deemed completed, at the offices of XXXX located on the tribal trust lands within the sovereign jurisdiction of the XXXX XXXXXXXX XXXX XXXX. 

If you have any questions, please visit our website at XXXX or call us at XXXX XXXX. Our mailing address is XXXX XXXX  XXXX, XXXX, OK XXXX. 

Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Someone use my name for Fraud on my credit report. This is the collection company AMSHER COLLECTION SERVICES / XXXX XXXX This is the amount {$1300.00} and date XX/XX/year> they also used use this address that is not mine on my credit report for all XXXX credit companys XXXX XXXX XXXX XXXX Fl XXXX I
Product: Debt collection

I have tried to resolve this issue. They claim I owe a debt from a student university account and I have never attended their institution. I have provided a police report to them as well as written notices yet this item is still on my credit report. They have been unable to produce documentation showing the debt is mine nor bearing my signature. I did not signup for nor receive any goods or services. They also have incorrect address information. They are negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Product: Credit reporting

There are so many issues with Experian and they are all recent and I do n't know why they are appearing on my credit report. I am in the process of applying for a mortgage and have been watching my credit reporting, paying off accounts and making sure my credit reporting is accurate. Most of these issues occurred in the past week and has greatly low my score. 
There is an issue of XXXX of my accounts being paid late in the past two months. All of my accounts have been being paid consistently for the past 6 months or more and have not been late. I have no knowledge to which this is referring to. 
XXXX XXXX XXXX concerning my account is not in dispute and has been paid off and I am in compliance with their terms. I have paperwork to prove it. 
My XXXX charge account ofXXXX has been paid in full and has no deliquency on it at all. It is being reported as a question mark. Needs to be reported paid in full! 
My score has seriously been lowered it the past week and I have no explanation as to why. 

I am applying for a mortgage right now and need to have good scores as I do with XXXX and XXXX. I have no clue why my score keeps going down with Experain. There are no explanations for this. Thank you for your help.
Product: Mortgage

Bank of America has engaged in fraud in overcharging me for Homeowners insurance : The charges added to my mortgage are roughly 400 % higher than the actual costs of insurance, the overcharges are as follows:XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXPlease help. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

My tax refund of XXXX and my stimulus check XXXX went into another account off by one number I told them it should have never went into another person 's account should have bien rejected and sent back to it's they told me account holder spent it already and it was my mistake sorry but your money is gone we can't do anything call IRS
Product: Credit reporting or other personal consumer reports

Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) * XXXX  Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within XXXX business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Prepaid card

This card company charges XXXX for each declined transaction fee. It does n't matter if the website is the issue and you have funds available. 

I was charged XXXX in a two week period and they would only credit XXXX of them. That 's unacceptable to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NOT FINISH INVESTIGATION ABOUT BANKRUPTCY. 
XXXX XXXX SENT LETTER STATING NO BANKRUPTCY ONMMY CONSUMER REPORT AND THEY HAVE NOT DELETE IT FROM MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX