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

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. Can you please investigate this matter. 

XXXX ) [ XXXX XXXX NA XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 2 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 3 ) XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX USC 1681b 4 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 5 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 6 ) [ XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 7 ) [ XXXXXXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 8 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 9 ) [ XXXX XXXX NA XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 10 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 11 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 12 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows criminal history under XXXX XXXX  XXXX information - needs removed
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that

I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher le
arns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Beginning XX/XX/XXXX, phone number XXXX has been calling me repeatedly, multiple times a day within the same minute and has not left a voicemail any of the 15 times that they have called me. 

Today, XX/XX/XXXX, they called me at XXXX but I missed the call and I immediately redialed the number to find out who was calling. When the phone picked up, there was a recording that said Thank you for calling AmSher which was then cut off by a woman saying Hello, who is this? To this, I responded, Who is this? You just called me and have called me multiple times over the last week. They hung up. I redialed the number an additional 3 times and was hung up on 2 more times before finally getting to someone who confirmed that the call was from AmSher and they attempted to verify a debt that I do not recognize from XXXX. I denied any awareness of this debt. 

I have never received any correspondence via mail or email from AmSher and I am not aware of this debt. I have not been given the opportunity to dispute this debt or provided any documentation regarding it before they have made the incessant collection attempts. Additionally, it is exceptionally inappropriate to hang up on people that they are calling multiple times a day. Once I advised the caller that I would be filing an FTC complaint against the company for their behavior and failure to provide me any documentation on this apparent debt within 5 days of initial contact, they stated We will just continue to contact you, just by mail from now on. They then ended the call.
Product: Money transfer, virtual currency, or money service

Crypto.com allows the user to easily transfer money from the users primary bank account to their Crypto.com account with an account number and routing number. Withdrawing any funds from Crypto.com proves to be an entirely different experience for anyone using the platform. 
In order to withdraw any funds, Crypto.com forces me to use a third party financial vendor by requiring that I open an account with them ( each vendor is contracted with Crypto.com ). Its a tactic to collect information on their users who sign up for the crypto.com platform. 
Once I navigate through the withdrawal prompts, Crypto.com instructs me to use their 3rd party contracted vendor, XXXX. XXXX  requires me to give them my bank account username and password so they can access it and pull all the users financial information ( there is no manual way to give them a routing and account number to withdraw funds, which they should already have from signing up with the platform ). My current Credit Union does not allow this, for good reason. 
The alternative is to open another bank account with a Bank who has an agreement with XXXX ( i.e. XXXX XXXX ), then give XXXX access to this account, transfer my Crypto.com balance out of the platform to the new bank account, then transfer to my long standing Credit Union bank account, then close the recently opened bank account. With this option, I am forced to open an account I do not want. 
Another option is to sign up for an account with Crypto.coms 3rd party vendors, XXXX XXXX or XXXX XXXX. This essentially funnels my money through a 3rd party who collects banking and other sensitive information on the user. 
Ive contacted Crypto.com to ask for alternative options for funds withdrawal. I have even suggested a check be issued to me or my own financial institution, or I can supply them with my account and routing number, which they have refused. 
Overall, my Crypto.com funds are being held hostage by them until I agree to create a financial account with their 3rd party vendors so they can transfer to my personal bank account and collect my financial data outlined in their agreement ( user is forced to accept ). I have declined to use their affiliated middlemen to withdraw my balance Please help resolve this common issue with Crypto.com. See attached PDF
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment information reported on my credit report for the account number XXXX, associated with a revolving credit account opened on XX/XX/XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to challenge the incorrect 30-day late payment reported for XXXX XXXXYour records reflect a 30-day late payment for XX/XX/XXXX. This is blatantly inaccurate, and I demand immediate correction. I have never made a late payment on this account. My payment history is fully compliant, and I can provide documentation to substantiate that payments have been made on time every month.Equifaxs failure to ensure accurate reporting violates the FCRA, specifically 1681i, which mandates thorough and timely reinvestigation of disputed information. Additionally, the erroneous reporting violates the Metro 2 compliance guidelines, which require credit reporting agencies to ensure data integrity. The continued reporting of this inaccuracy is causing significant and unwarranted harm to my credit profile and financial reputation. Also I've provided the receipt of payment that's showing late. I called the bank rep and they confirmed the payment and they stated that they made an error reporting it late but they can't reverse the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with Truist Bank and also had GAP insurance with XXXX. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with Truist and also with XXXX, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to Truist, ( even though we were not at fault at the accident ) still there was a balance that XXXX ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( Truist ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently received a copy of my credit report and I noticed a collection that I did not recognize. I asked the company to provide me with information about the original creditor, the purchase agreement, and an itemized breakdown of the charges and they did not. I also asked for them to remove the debt from collections as the debt was already reported to the original creditor. This is hurting my credit tremendously.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX ( Account # XXXX ) account on my credit report as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). This reporting is misleading and may negatively impact my credit.

Under the FCRA : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires the deletion of any unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers update or correct incorrect data.

15 U.S.C. 1681c ( a ) limits how long certain information can remain on a report. 

I demand an immediate investigation and removal of this account if it can not be fully verified as accurate. This account is inaccurate only showing on Experian whereas XXXX and XXXX does not report this account.
Product: Debt collection

I was not aware of this debt after the bill came they stated they would make payment arrangements, I have not heard from them since then I've gotten this notice with my address has changed since XX/XX/XXXX this bill is dated XX/XX/XXXX. I am young wants to buy a home this will damage my good name tremendously.. Violated the HIPPA ACT or Law
Product: Payday loan, title loan, or personal loan

My original loan was for {$2500.00}. They started off with a {$250.00} fee and only gave me {$2200.00} for a {$2500.00} loan. Now that I've paid for 3 months, I've paid a total of {$1300.00} and still owe {$200.00} more than I borrowed and they've made my XXXX XXXX score go from XXXX to XXXX. I had no idea what a rip off it was because it was recommended by XXXX XXXX. 

I'm furious and this shouldn't be legal. This is the definition of predatory lending.
Product: Prepaid card

On Friday, XX/XX/year> I received an unsolicited Netspend debit card in the mail. The card came with a paper that had a XXXX code to activate the card and also had an account and routing number listed associated with the card. I did not set up an account with Netspend and did not request a debit card. I called the Netspend customer service number around XXXX XXXX  on XX/XX/year> to inform them that I had not requested this and to close the account, however I was not able to do so. The number had several automated prompts to choose from but none could help me with the issue. One of the prompts informed me that my card was not activated, but when I tried another one that claimed to take me off of their mailing list it said I could not do so because the card had already been activated. I am unclear if the card was actually activated because various prompts were saying different things. There was no option to talk to someone, and I even tried saying " fraud department '', or " speak to operator '' and the response was that those were invalid options. I ended my attempts to close the card and account without resolution. I was never able to speak to anyone, was not able to report fraud, and still do not know if the card was actually activated or not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention several inaccuracies and inconsistencies in the negative items being reported across my credit report. As a credit bureau, it is your legal and ethical obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported on my credit file is accurate, complete, and verifiable.

However, based on the data provided below, you are falsely reporting negative items that are inaccurate and inconsistent across the three major credit bureausXXXX Experian, and XXXX. This lack of accuracy raises serious concerns about your credibility and the effectiveness of your processes for ensuring compliance with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove closed tradeline Ford Motor Credit account # XXXX from my XXXX & XXXX credit report. 
Those accounts are in the name XXXX XXXX XXXX which is not my name.
Product: Credit card or prepaid card

I have a consumer credit card that was included in bankruptcy from Bank of America. This data is now being reported past the statute of limitations, and needs to be removed immediately. 

I do not have the account number ; however, my SSN is XXXX and my DOB is XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, an unauthorized XXXX debit of {$7500.00} was withdrawn from my Chase checking account ending in XXXX by XXXX XXXX XXXX. I did not authorize this transaction in writing or electronically, which violates XXXX rules and Regulation E ( 12 CFR 1005.11 ).

I immediately reported this as fraud to Chase, but they denied my claim, stating that they could not prove it was unauthorized. Chase failed to provide any documentation showing that I gave consent for this debitbecause no such authorization exists. 

Prior to this unauthorized debit, on XX/XX/year>, XXXX XXXX deposited {$10000.00} into my account. However, that deposit was not a loan agreement nor permission for him to later withdraw funds. Chase incorrectly categorized this as a loan without any signed agreement or authorization on my part. 

I have attached screenshots showing : A conversation where I clearly stated I was expecting a wire transfer of {$10000.00} and XXXX XXXX misled me by referencing XXXX small deposits, which is part of the ACH transaction process, not a wire transfer. 
A screenshot showing a list of accounts, including mine, suggesting a pattern of fraudulent activity. 
Text messages where I explicitly requested compensation for services, not agreeing to any loan or repayment arrangement. 
According to XXXX rules, unauthorized XXXX debits must be reversed. Chase is refusing to comply with these regulations and is unfairly holding me liable for an unauthorized transaction. 

I request that the CFPB investigate this claim and ensure that Chase complies with XXXX rules and Regulation XXXX by refunding my {$7500.00} immediately.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 list IMMEDIATELY! 
Account : XXXX XXXX XXXX- {$1500.00} - Date Opened - XXXX. XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

In late XXXX, I had received letters /correspondence from Citizens bank XXXX XXXX overdrawn checking accounts which I never opened or had! 
I threw them out by accident, but it said they were XXXX, I called Citizens call XXXX and was told there were XXXX accounts in my name! They told me they couldn't tell me much due to if it was or I was the real " XXXX XXXX " I NEVER opened these accounts, I feel my social security number was compromised. 
I froze my credit, filed a complaint w/Citizens ID Theft dept and Also a police report will be filed.. 
This has hurt my chances of purchasing a new car, applying for a loan and very time consuming. 
I am also taking legal action from Citizens having fraudulent accounts in my name for a year without contacting me.
Product: Debt collection

I was notified by my lawyer, XXXX XXXX XXXX XXXX, on XX/XX/XXXX that Glasser & Glasser threatened to take legal action against me if I did not pay the full balance of my account within 24 hours. I found out about 2 weeks later they went to court XX/XX/XXXX for wage garnishment. I called Glasser & Glasser 3 times XX/XX/XXXX at XXXXXXXX XXXX, XXXXXXXX XXXX, & XXXXXXXX XXXX. The third time I finally got someone on the phone and they refused to speak with me because they said I had representation. They were notified XX/XX/XXXX by XXXX XXXX XXXX XXXX that I was not being represented by their firm. Glasser & Glasser still refused to speak to me until XX/XX/XXXX when I filed for a hearing in court to reduce the garnishment. XXXX XXXX, a lawyer for Glasser & Glasser, told me at the courthouse I needed to call her office and workout a payment plan because they had wiggle room, and could settle my debt for less than I owed, and if I entered into a payment t arrangement they would stop the garnishment. I called that afternoon and couldn't get through. I tried again on XX/XX/XXXX and they told me they couldn't speak to me because I had representation. Glasser & Glasser called me XX/XX/XXXX and said they found the letter from XXXX XXXX XXXX XXXX, and they could not settle the debt for less, so I needed to pay the full balance. They were made aware I had {$820.00} garnished from my pay already, and said I still needed to pay the full balance because they don't have the money, the court has it, and they couldnt get it until the next court date scheduled for XX/XX/XXXX. They told me the balance on my account was {$5100.00}, but the summons I got from XXXX XXXX Court said the balance was {$5100.00}. I called them XX/XX/XXXX to verify what the correct amount was, but had to leave a voicemail. My called was returned at XXXXXXXX XXXX on XX/XX/XXXX and the agent I spoke with said she needed to verify with someone else before she could answer that question. As of XX/XX/XXXX, I have not gotten a call back. 

The account in question was from XXXX of XXXX, exceeding the statute of limitations on legal action taken per VA law.