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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$46000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$550.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I requested TransferWise Ltd a wire transfer of USD XXXX from my Wise USD account to my bank account. After being on hold for nearly 10 business days, it was cancelled on XX/XX/XXXX without further explanation. 

I contacted TransferWise Support during the following days by phone and chat and they could not indicate the reason for the cancellation. 

On XX/XX/XXXX I exchanged XXXX USD from my TransferWise balance into XXXX GBP for which TransferWise charged me the related fees. Assuming there were no issues with my account, I requested two new wire transfers : Date : XX/XX/2021 Amount : GBP XXXX Date : XX/XX/2021 Amount : USD XXXX Again, both transactions were blocked by TransferWise without any explanation. TransferWise support told me to wait up to 10 business days to see if the money was released and on XX/XX/XXXX my account was suspended which prevents me to recover the remaining balance in my account. 

Due to the suspension of the account, I can not log into the app anymore or make any kind of complaint through phone or chat. 

Currently, my Wise account has a remaining balance of : USD XXXX GBP XXXX which I need to recover. I wrote to the Wise Appeals at XXXX requesting a refund and providing my bank details but I can not get an answer.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is a name showing up on my credit report that is not mine. 
I would like to have XXXX XXXX to be permanently deleted from my Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection agency that keeps reappearing. It is removed then reappears. To make matters worse, they harass me constantly, in violation of the Fair Credit Reporting Act. One time I picked up the second phone call in a couple hours and asked why he was calling so much. He said the FCRA allows him to call six times a day, if he wants. Thats false. Unfortunately, this particular agency is knowingly violating the FCRA and misstating the law in furtherance of that. I have letters, voicemails, calls, etc. Some from the same day. All this for a debt that was already removed. Surely, the bureaus do not support this blatant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has now falsely reported my XX/XX/2020 payment as 30 days late. This is the third adverse retaliatory action taken against me since I attempted to exercise my rights under The Fair Credit Reporting Act ( FCRA ) by disputing XXXX 's handling of my XX/XX/2020 payment. Currently, the 3 negligent acts taken against me include : reporting my XX/XX/2020 payment as 30 days late, reporting my XX/XX/2020 payment as 30 days late, and inflating my principal balance back up to {$48000.00}. I will gladly attach bank statements showing my cleared checks to XXXX and credit reports showing the above facts. XXXX 's actions are clearly a willful violation of Federal Law. 

While the reality was that XXXX was sending these false reports ( e.g. 30 days late XXXX, and 30 days late XXXX ) to the credit bureaus, XXXX would write me letters hinting that they were investigating my account history as evidenced by the following quotes in a XXXX letter : our records show that the XXXX XXXX XXXX XXXX Department originally received an inquiry from you on XX/XX/2020, XX/XX/2020 and XX/XX/2020 ... 
Moreover, the XXXX XXXX XXXX Department received the following Automated Credit Dispute Verifications ( ACDV ) from you : ( 1 ) on XX/XX/2020 from XXXX ( 2 ) on XX/XX/2020 from Experian ( 3 ) on XX/XX/2020 from XXXX ( 4 ) on XX/XX/2020 from Experian ( 5 ) on XX/XX/2020 from Experian ( 6 ) on XX/XX/2020 from XXXX ( 7 ) on XX/XX/2020 from Experian ( 8 ) on XX/XX/2020 from XXXX and ( 9 ) on XX/XX/2020 from Experian.. 


XXXX XXXX attempts to hint that they were diligently and accurately attempting to correct any innocuous glitches with my credit report, yet I contend they were actually creating more problems ( e.g. false claim of late XXXX payment, false claim of late XXXX payment, and inflated principal balance back up to {$48000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Repeated phone calls after I have asked them to stop calling. Mass spaming of email as you can see in the attached screenshot. I have recorded the ohone calls and me asking them to stop calling as well and they still do.
Product: Checking or savings account

Bank of America open account on my name without my permission see attached document
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my credit report an inquire on XXXX. It was Chase bank ( my bank ). Called and after several phone calls, complaints and requests, I found out they sent an offer for a business account to my old house address when I lived there in XXXX. I have not lived there since XXXX, but they continue to send offers with my information. A neighbor took my offer and applied since the house was vacant since XX/XX/XXXX till XX/XX/XXXX. 

When I called Chase bank at XXXX, they give me the rude runaround. They said it takes 90 days to have this removed. I called again to ensure they were in process 60 days after XXXX, and the person said, nothing was done and they would take care of it. I asked for a letter, which they never sent. This is XX/XX/XXXX. 

I WANT TO APPLY FOR A LOAN TO BUY A HOUSE AND THEY REFUSE TO REMOVE THIS CREDIT INQUIRY!!!! My cash is becoming worthless ... and worth less. Hence, I need to purchase a property. 

I told them I want to purchase a home and they are refusing to clear this up before I apply for a loan. I called XX/XX/XXXX and they said it takes 90 days and I need to wait till XX/XX/XXXX. I called back XX/XX/XXXX and still nothing except I need to wait 90 days for this to clear up. 

This inquiry also resulted in a letter from Chase to me asking if I am opening up a business account. They refused to tell me the address and yet, I finally asked enough times when I got a hold of someone in a foreign country instead of the XXXX. I asked what city and was told XXXX XXXX. Thus, I told them, XXXX XXXX XXXX and they confirmed. I knew exactly! I still own the home since purchase in XX/XX/XXXX, but I don't live there and have not since end of XXXX. 

I got a letter, which I will attach and they want to change this to a soft inquiry. I want NO inquiry as I did not do this. This is the fault of the bank sending these open ended offers that will result in a hard inquiry. CHASE bank knows my address, they knew I moved my home from XXXX XXXX, CA to XXXX, CA. They have that information. They have no business sending offers that trigger this to the open. They are responsible. They need to remove, not change to soft, but remove the inquiry immediately IF they can put a hard credit check on my credit report within hours, they can remove it within hours, not 90 days! 

The credit hit, is still there today as I checked again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for this loan! This is not my account or something I did
Product: Debt collection

About two months ago, NCC Business XXXX called to collect a debt from XXXX ( a rental company ). I asked NCC Business XXXX  for their XXXX  XXXX number and they told me they would call back. 

Today, XX/XX/XXXX, I had two conversations with them, they assured me that debt was not for damage, but for utilities. I asked them for their XXXX number, they would not give the number. The supervisor claimed that NCC complies with all local regulations.

I accessed the XXXX XXXX XXXX and printed out their XXXX number which was revoked on XX/XX/XXXX. I called back and informed them of this fact. This was on a recorded line on my side
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been under an ongoing dispute about on going fraudulent charges by XXXX XXXX radio totaling {$200.00}! I contacted XXXX on XX/XX/XXXX regarding suspicious activity on charges I did not recognize or authorize! From XXXX XXXX XXXX. I had been contacted by this company when I purchased my brand new car it came with this feature free! They called me XX/XX/XXXX to advise me my free feature was over and they would offer a discounted rate of a XXXX time charge of {$35.00} for 6 months. I agreed and provided my XXXX credit card number for only the {$35.00}. In XX/XX/XXXX I cancelled the service over phone, I declined said no did not listen to their radio stations and did not want to pay any more money. The SXM phone operator continued to lower the rate to down {$15.00} lower from {$35.00} for 6 months to {$20.00} for another 6 months of air service; I hesitantly agreed XXXX time charge! But XXXX radio fraudulently charged auto charges of monthly fees from XX/XX/XXXX through XX/XX/XXXX XXXX radio fraudulently set up automatic on going ( monthly ) charges after the 6 months was over with out my authorization. I called XXXX from the phone number listed on the XXXX Statement the operators that answer are from XXXX can not understand or speak XXXX ; I never received a letter or bill from XXXX XXXX Never! I demanded these charges be reversed I NEVER AUTHORIZED FOR MONTHLY CHARGES! I contacted XXXX on XX/XX/XXXX to advise them of the unauthorized auto pay and dispute these charges! I was assured by XXXX in XXXX XXXX. the matter was resolved i called multiple occasions over the phone in the month of XXXX, Never did I receive a letter or an update but I called XXXX to follow up on my dispute. XX/XX/XXXX {$200.00} in reversal charges were charged back to my account by XXXX I disputed these charges they are fraudulent! XXXX disputes Dept is asking me to provide proof that I never authorized theses charges!? I asked XXXX to provide me with the proof that I did authorize autopay! Because I would NEVER agree to a MONTHLY charge of {$20.00} when I had paid {$5.00} for 6 months ( {$35.00} XXXX time charge ) on ( XX/XX/XXXX ) before! I never agreed on auto pay! XXXX said my case is closed! Please help
Product: Debt collection

After reviewing my credit report and noticing inaccurate information I sent a certified letter to IC System dated XX/XX/20 requesting that the company validate the reported {$360.00} debt. I received a response letter from IC System dated XX/XX/20, advising that they had investigated the information that was provided to the credit bureau and stated that they had been unable to verify the information reported to the credit bureau. Therefore, they had requested that any information provided to the credit bureau regarding the account be deleted or removed. The letter then explained that I may wish to review my credit report to ensure that the information has been properly updated. 

However, the letter then stated that the attempts to verify the debt would continue and gave me 30 days to dispute the validity of the debt. Based on the document that they provided, they have now given me a new account number for the very same debt. I need a resolution to resolve this matter and would like to file an official complaint against the company.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report XXXX and discovered an inquiry that I have no knowledge of. On XX/XX/year>, Americredit Financial XXXX appear on my credit reports as a hard inquiry that impacted on my credit score. I never authorized hard inquiry on my credit report for this company. 

Please launch an investigation into Americredit Financial XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Americredit Financial XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

I XXXX XXXX SS ending in XXXX would like your assistance in removing this collection from my credit report due to it being placed on my credit by numerous collection agencies prior to I.C System INC ( original debt XXXX  ) attempt to collect {$820.00} XXXX XXXX for an account XXXX. This is not the original collector ( unverified duplicate account ) the same debt attempted to be collected by XXXX XXXX XXXX XXXX for {$820.00} original source XXXX XXXX. I explained to XXXX the original source this is not my debt after a long hard fight I gave in and accepted the loss and the hit to my credit. After repairing my credit another collection agency attempted to collect the debt without notice and decrease my score 39 pts for the same debt. I've offer to pay and they said they will not delete it from my credit report. Please give me some guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with cfpb # XXXX Experian got the complaint closed since they say they are mailing my credit report through the US MAIL.

Do they even have my correct address? What address did they mail my credit report to? They say I got my last credit report in XX/XX/XXXX. If they are using the information from XX/XX/XXXX they are sending my credit report to some random person as I have moved since then hence me wanting to get my credit report on line as it is more secure. Since they have taken it upon themselves to send a hard copy of my credit score and personal information out to some old address and to some random person is Experian going to be responsible for future theft of my identity since it now being compromised by there archaic actions of sending a hard copy vrs letting me get my credit report on line. Again it took XXXX  all of 30 seconds to get my my credit report with verification questions that I could answer. Not some made up verification question about loans and credit accounts I never opened in the time frames they said they where opened. Again this is absurd that a company can collect data about me and not have to reveal it to when I ask. If I ask the FBI to see what ever files they have collected about me they have to show them. The credit reporting agencies need to be fined and held responsible for any financial hard ship denial of credit high interest rates a person suffers from these companies reporting wrong information and making it so hard for someone to get their report. To verify correct information.
Product: Credit reporting or other personal consumer reports

I was stunned to discover incorrect accounts on my credit report tonight, and I can't figure out why. I always check my credit report regularly, but this time, there were unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. This situation has left me feeling really unsettled, so I'm requesting a thorough review of the documents I sent, so I can finally put this worry to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX.2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$1200.00} XXXX XXXX : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfers

After multiple requests, Paypal has refused to permanently close my account. 
I maintain a {$0.00} balance. I find Paypal 's actions contemptuous and egregious. 

I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 


My complaint is as follows : To : XXXX XXXX XXXX XXXX, Operations CounselPayPal, Inc. 
XXXX XXXX XXXX, Nebraska XXXXPhone : XXXXMr. XXXX, I received your response to my CFPB complaint against Paypal. 
In your answer you mentioned that PayPal considers this matter resolved, however an unresolved matter from my complaint remains unanswered. 

The remaining issue is that Paypal decided to NEVER close my account. 
Despite that I have never had a negative balance, Paypal refuses to permanently close my account. I find this egregious and illegal. 

Again, I ask that CFPB forward this case to The GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE to consider imposing sanctions including REVOCATION, WITHDRAWAL, or SUSPENSION of Paypal 's License with GEORGIA 'S DEPARTMENT OF BANKING AND FINANCE. License # XXXX. 

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

I have disputed items on my report several times,  XXXX  refuse to delete items that have already been disputed on  Transunion. I  asked them repeatly to provide me with proof of their verification which they refuse to send me. I also ha d  XXXX  public Records  listed on my report. law as of   XX/XX/XXXX   state if cant verify it has to be removed. well all  XXXX  credit agencies removed   XXXX     of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX     of the collections account was removed  (   XXXX   XXXX   XXXX   XXXX   ) and they put it back with out notifying me within  5  business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method   XXXX   XXXX   XXXX   is undeliverable and how can you delete   XXXX  b ut verify the oher, please delete
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX, Inquiry : XX/XX/2019.

WESTLAKE SERVICE INC, Inquiry : XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquiry : XX/XX/2019.