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

Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  First and foremost, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items 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 ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, XXXX, and EXPERIAN, written consent to furnish this information, that would indeed be identity theft. As of the student loans, 15 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.
Product: Credit reporting

HOMEATFIVE : I have never requested a line of credit with this company. I started receiving the catalog which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you
Product: Debt collection

Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it.
Product: Debt collection

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who Credence Resource Mana is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I placed a XXXX order in the amount of {$75.00} through cash app. That money came out on that day on XX/XX/XXXX. I got a notification that XXXX took another {$75.00}. Cash app says XXXX charged {$150.00}. XXXX says this transaction does not exist. Cash app sent statements that show charges from XXXX that dont exist and were never made. I got my complete transaction history from the cash app website and it does not show where I put money in my cash app on XX/XX/XXXX and where it was taken on XX/XX/XXXX.
Product: Checking or savings account

My SEP-IRA account was liquidated on XX/XX/XXXX without my explicit approval. My Roth-IRA account was closed on XX/XX/XXXX without my explicit approval. A check for my Roth-IRA was XXXX to me after 10 % penalty was imposed. Then I realized something was wrong with my account. 

The liquidation of my SEP-IRA led XXXX a loss of {$110000.00} as of XX/XX/XXXX ( if restore stocks to previous shares ), and a loss of {$220000.00} as of XX/XX/XXXX. 

I contact XXXX XXXX on XX/XX/XXXX. They helped the open of another Roth-IRA and told me that the penalty could be claimed back when filing tax-return. 

They said my accounts were liquidated/closed because I did not update my information. There is no change of information from my side since last transaction. 

I also sent a complaint letter to the bank on XX/XX/XXXX, and followed up several times ( recently, on XX/XX/XXXX ). 

For my retirement accounts, unauthorized liquidation is unacceptable. My request is to recover all my stocks ' holdings/shares/positions same as that before liquidation as I neither gave my approval to liquidation nor received adequate communication and prior warnings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX on XX/XX/23 is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Product: Checking or savings account

I want to see if I can open an account with chase bank Chase bank decided to end up business relationship with me even though I have never had an account with Chase before I had three fraudulent chase accounts which were open under my name I recorded the incident to Chase and I reported the Incident to the federal trade commission Chase investigated the claim and found the claim in my favor So I want to see if now I am able to banquet Chase because this would be my first bank account with Chase and I want to bank with the best bank in the United States
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an alert from my bank regarding a collection in the amount of {$460.00} reported on all three credit reports. The amount shows as open on XX/XX/18. This is bogus information. There is missing information and different information for the same account on all three. The company has since added another name on one of my reports after I complained due to bogus and missing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CRA FAIL TO SEND UPDATE CREDIT REPORTAND CONTINUE TO REPORT ACCOUNTS NOT MINES : '' XXXX, XXXX AND XXXX, XXXX XXXX, XXXX XXXX XXXX '' ... .NEVER DONE BUSINESS WITH COMPANIES AND OUTDATED REPORTING ON FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with a Balance of {$2100.00} and Date Opened on XX/XX/2018 by sending written letters to the Credit Bureaus XXXX But despite all my efforts to have this account corrected, the Credit Bureaus have been ignoring my requests. The information this account reports is outdated and inaccurate! The Credit Bureaus are required to correct the reporting of this account under the FCRA section 609 and section 611 inorder to report accurate information only on a consumer 's Credit report. I am submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA regulation and correct my Credit Report.
Product: Credit reporting or other personal consumer reports

Experian closing complaints and disputes saying they are ready to view online ( that's a lie ) but when you try they say you can't and must call and when you call they say they can't help you but the none XXXX speaking person wants my full social security number, NOT HAPPENING
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update the account as I have not been late on any of these payments.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit monitoring through XXXX for all 3 major agencies. I was getting lots of emails about the XXXX product being transferred to Experian. None of them ever mentioned an increase in price. I noticed this morning ( XX/XX/XXXX ) that Experian had debited my credit card for {$24.00} on XX/XX/XXXX so I called XXXX. They didn't know what it was so I called Experian. They said that it was payment for credit monitoring. I explained that I had it already through XXXX, and that I had paid for this month already : {$12.00} on XXXX. They said they would cancel my account and that I would have to file a dispute with XXXX for the return of the {$24.00}. ( I assumed that they meant the account they were charging me for, with Experian, that knew nothing about. ) I filed the dispute with XXXX but afterward noticed 2 emails from Experian. The first said that my XXXX credit monitoring service couldn't be transferred to Experian because I had two accounts. It stated further that it was closing the account with XXXX. The second email said that my credit report had been unlocked. I tried all day to contact them but couldn't get through the robo answering device. I tried to go to their website to lock my credit file again but was told that they couldn't do it and that I would have to write to them. I am at my wits end with this company. I feel like they are attempting to extort me because I didn't pay an additional {$24.00} for a service that I had already paid for at {$12.00}. Since they have already unlocked my credit without my permission, I suppose that I won't be able to lock it again, unless I pay them. 

I have also lost my XXXX monitoring service in this process and I can reach no one at Experian to help me straighten this out. 

I am attaching some emails from Experian and also a copy of my credit card statement with XXXX. The first and the last entry on this screenshot are the debits to my credit card at XXXX and made by Experian. XX/XX/XXXX is the top entry and XXXX the bottom.
Product: Money transfer, virtual currency, or money service

did not submit a properly the money transfer to a credit card. 
does not have the wire transfer amount ready. from the california lottery. 
XXXX union bank of california XXXX, calif. XXXX www.usa.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was Declared deceased by U.s. Bank to the IRS twice. The first time was resolved by bank manager in XXXX Idaho in 72 hours. The second time was a week or two later and it took three months to resolve the problem. I would try to find out the reason why like asking proof of my death certificate or social security number and they would deny to talk anymore or hang up. I still never got the reason why I was deceased and am worried that something fishy was being done behind my back in U.S Bank. During this time I had a XXXX XXXX XXXX closed credit cards and could not do any loans because I was dead. This issue has been bothering me for the past few years. This all started when I was the power of attorney for my Aunt that past XXXX XXXX 2020. Things are back to normal but I dont feel right about what happened as a consumer in the bank with no reason to explain to me why, what, when, where with no proof in their hands. was there money in my aunts account that was dissappearing, I dont know. I would like an investigation on the u.s bank in XXXX Idaho.
Product: Credit card

XXXX XXXX XXXX  Credit card initial credit line was for XXXX now credit limit has been reduced Home Depot Credit card is funded by XXXX Pursuant 15 USC 1681b what these two conspirators are unlawfully violating my rights and privacy by sharing my information without my expressed written permission XXXX codes apply to governing my security interests and violators shall be prosecuted to as far as the supreme court if need be UCC9-210 the rights to information in secured transactions found in UCC Article 9 The Facts can not be Altered Nor Denied and Ignorance of the Law is no excuse 12 USC 1431 States that in this case Defendant, XXXX can not actually loan me money because they are the borrowers. 
Because I have given XXXX and HomeDepot my social security number they are under the obligation to lawfully operate as fiduciary in my best interest which both of these " creditors '' have not done so which is AGAINST THE LAW Both of these XXXX XXXX XXXX and XXXX are breaking the law 18 U.S.Code 894 - Collection of extensions of credit by extortionate means This is unlawful and XXXX XXXX XXXX and XXXX are conspiring against me instead of protecting me. The law says that if anyone does this they will be fined. This is a Notice I am now demanding to for evidence and verification of this alleged debt and the lawful reasoning for my credit denial/decrease and privacy invasion.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Unable to transfer money between institutions in an attempt to fund a business account. Fraud protections are cumbersome to the point of making it difficult to conduct business.
Product: Checking or savings account

On XXXX XXXX the XXXX bank XXXX someone to reverse my rent payments of XXXX for the year of 2024. I don't know about reversal and when I informed the bank I didn't make such a request the bank told me I was liable. I never received a dollar from these transactions now my account is on a negative XXXX and my rent has been reversed so far for some months. Monies wad sent to XXXX app and collected from strangers on my account. My account was positive before this and now I'm struggling trying to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Review attached Equifax Credit File and Confirmation Number : XXXX of information I received from Equifax on XX/XX/XXXX. I am a victim of the recent Equifax credit score error. The following public record was was deleted and removed from my Equifax credit report by Equifax on XX/XX/XXXX, but the public record has been reinserted on my Equifax credit report : Case or ID : XXXX, US Bankruptcy XXXX XXXX, Minnesota. The Public Record thats currently listed on my Equifax and XXXX credit report is not my public record. The XXXX XXXX  XXXX Account : XXXX with a balance of {$330.00} thats currently listed on my Equifax and XXXX credit report is a fraudulent account. The XXXX Banks XXXX Account is not my account. I did not apply for the XXXX XXXX XXXX Account. The XXXX XXXX Bank XXXX XXXX Account : XXXX is lost/stolen. The balance of {$270.00} on the XXXX XXXX Bank XXXX XXXX Account is all fraudulent transactions and not my charges. The following credit inquiries thats listed on my Equifax credit report is fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX and XXXX, XX/XX/XXXX
Product: Vehicle loan or lease

I purchased my vehicle in 2012 with a 5 year loan from Santander Consumer USA Inc., I lost my job and the truck was repossessed and I paid close to {$2900.00}. dollars to catch the loan up meaning all missed payments and fees. Now it's been over 7 years that I've been paying on a 5 year loan, they keep telling me its becuase I'm making up for 8 missed payments. When I look at the statements showing all of my payments and missed payments most of the dates are wrong!! I was told when I paid the {$2900.00}. to catch up my loan that all payments were caught up! If you look at my account there showing I still owe over {$5500.00} dollars still after paying on it for over 7 years now. When i ask for a pay off amount they tell me I owe {$6600.00} to payoff the loan. If I continue to do so this loan is going to be and turn into a 10 year loan! I'm sure I have paid more than my fair share of interest and principal on this loan! I don't know who to turn to for help?! I feel like this is unfair and predatory practices on there part! There ripping people off for thousands of dollars for auto loans. Especially after paying them to catch the loan up after repossession, I had asked them repeatedly if it was enough money to catch up all my missed payments and fees and they told me at the time it was. So A 5 year loan has now or is turning into a 10 year loan for a vehicle that I have paid for twice the amount of what it's worth!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see dispute results on Experian 's website and I am also unable to get my credit report on Annual Credit Report.
Product: Debt collection

Hello so I am being charged for a XXXX bill for phones I bought around XXXX. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$4000.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX  XXXX {$3300.00} XXXX   XXXX {$1000.00} XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX {$3500.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$230.00} XXXX  XXXX {$980.00} XXXX  XXXX {$59.00}
Product: Credit card

My Apple Card was merged with my wife 's Apple Card thereby increasing our combined credit limit to {$12000.00}. This was done three weeks ago and the prompts from the phone said that it would be done in a few hours. Both accounts were finally merged on the XXXX XX/XX/XXXX but the available credit is inaccurate. It reads that the credit available is {$2.00}. The credit balance is XXXX. By my estimates, available credit should be {$1100.00}. I have reached out to Goldman Sachs numerous times to correct this over the past three weeks and they have not - closing out my complaints with no response. My other issue is that I had my Apple Card in my wallet on my XXXX and since the merger I have not been able to re-add my Apple Card to my wallet in my XXXX. I have also mentioned this in the complaint and again, Apple Card Goldman Sachs have closed out my complaint with no response.
Product: Credit card

On XX/XX/year>, I noticed an email from XXXX saying I purchased something with my credit card at a Florida location ( I live in VA ). I immediately contacted Barclaycard to notify them of the fraud and cancel my card. They provisionally credited my account for the disputed transaction. Last week, I received a letter that Barclay had concluded their investigation and determined that the transaction was not, in fact, fraudulent and therefore were charging my account, again. I've contacted Barclay to express my dissatisfaction with this development, but they have not withdrawn the charge. I was not told precisely what Barclay learned to reach the conclusion that my fraud report was inaccurate, but they did mention that XXXX 's ( a national retailer whom I occasionally purchase from, although not this location/state ) had my name, billing address and email on file. The implication was that because I had used XXXX 's in the past, then this transaction wasn't fraudulent. I was told they were opening a new investigation. 

I'm extremely disappointed in the manner in which Barclay has handled this relatively routine problem. I have used credit cards for XXXX years, and over that time had a relatively small ( certainly under XXXX ) number of fraud issues. It is an enormous pain to cancel a credit card and change the number on file with a variety of companies. The notion that I would go through that hassle just avoid a {$300.00} charge at a XXXX 's is laughable. Over the years I've put over {$100000.00} of transactions on this card. Barclay 's " process '' for resolving this dispute seems designed to placate the customer in the beginning, then send them a letter a month later ( that they hope nobody ever opens ) saying " we changed our minds, we think you are lying to us, '' and keep the money. I'm very disappointed in Barclay and in the customer service I've received to date from them on this issue.