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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECIEVED A EMAIL SAYING MY CREDIT SCORE WENT DOWN XXXX POINTS WHEN I CHECKED MY EMAIL I REALIZED THERE WAS A FRADULENT ACCOUNT ON MY CREDIT REPORT I HAVE NO KNOWLEDGE OF WHO XXXX IS I WORK REALLY HARD ON MY CREDIT AND I AM SO DISSAPOINTED BECAUSE I AM CONFUSED OF THIS EVEN HAPPENED WHEN I HAVE A FREEZE ON MY ACCOUNTS WITH ALL 3 BUREAUS. AS FOR THE STUDENT LOANS I HAVE MADE SERVERAL ATTEMPTS TO GET THEM REMOVED OFF MY REPORTS I HAVE NEVER IN MY LIFE APPLIED FOR A STUDENT LOAN FOR MYSELF OR ANYONE ELSE PLEASE REMOVE ALL XXXX OFF MY REPORT
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and respectfully request the immediate blocking and deletion of certain accounts listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these items be removed to safeguard against further unauthorized use of my personal information.

Accounts to Be Blocked and Deleted XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$00.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a fraudulent account was opened in my name at XXXX XXXX without my consent. I have attempted to dispute it and have it remove however the credit continues to inaccurately violate my consumer rights by reporting it. In addition, each credit bureau also illegally reports this fraudulent account as well. There is current a balance reporting of {$18000.00}
Product: Debt collection

Midland credit Management has placed a debt in the amount of {$1100.00} onmy consumer reports without ever providing me notice I have requested to be provided proof of certificate of receipt with my signature being made aware I demand this be removed from all my reports as this is illegal and clear violation of my consumer rights this company has a history of this abusive conduct and I will seek legal remedies if this continues
Product: Credit reporting, credit repair services, or other personal consumer reports

I heard a radio advertisement for XXXX and how easy it was to get a {$5000.00} loan with challenged credit. At approximately XXXX on XX/XX/21, I entered in my personal information including social security number, bank information. I immediately got a phone call after applying on their website. After speaking with a rep from XXXX I was transferred to a Lexington Law rep with the email address of : XXXX. In speaking to him ( forgot name ) about the {$5000.00} loan, he stated he needed to " run my credit '' to get an answer. I approved this thinking that I would soon get a decision. He soon started talking about the negative items on my report and how his company Lexington Law could get them fixed ( no promise made ) so that I could possibly get approved for the {$5000.00} loan from a company called XXXX. I listened and thought it was legit, I gave him my credit card number and everything and he deducted {$4.00} for the credit pull. He then said it would cost me {$100.00} up front off my card to start the initial credit repair process. It would cost me {$120.00} after that, every month, until I wanted to cancel. 
I feel I have been scammed and I am cancelling my contract with them after I submit this complaint. 
I hope this helps the lawsuit and I am happy to speak with someone about it. I will have evidence of the account I signed up for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported me {$7500.00} in the arrears. They paid their vender even though the vender committed fraud. I am now in the process of suing XXXX XXXX. I gave this information in my dispute with Experian and the did not adjust my credit accordingly. I am now including Experian in some of the charges in the law suit. Last week I sent a Certified Letter with the Notice of Intent to Sue, along with information about XXXX  XXXX to Experian at this address : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I got the Certified Letter back, which was opened, taped back up, with a label stating : Return to Sender Insufficient Address Unable to Forward. 
I then looked online and was unable to find anyway to contact Experian in order to serve them the Notice of Intent to Sue. No address, NO email, No phone number, nothing. This may be against the law.
Product: Credit card

They said fraud, because I paid my bill off and I have more than one bank account, which is discrimination has though XXXX people can not have more than one account or pay our bill in full. Five days to post a cash payment from my bank account a ( Business credit card ) and a ( Business bank account )
Product: Debt collection

Never received any notice addressed to me of debt from the company. Was unaware of the debt until I saw it on my credit report.
Product: Credit card or prepaid card

Hello, On XX/XX/2020 at XXXX XXXX XXXX approx ) my card was charged for {$1.00} a few times, then {$2.00} a few times, then {$5.00}, then {$10.00} until the card is emptied. Then they start hit the {$10.00} ISF then go back down to {$5.00}, then {$2.00}, then {$1.00} until everything is gone. {$100.00} total. 

I immediately called Cash app and they only reply with automated messages. I have emailed and was told I would have to prove 'XXXX  XXXX XXXX  CA ' is not a legitimate charge for some reason instead of Cash app doing any work. I contacted XXXX and XXXX play and have multiple emails that state nothing on my account and no money pending and zero activity at all. I have all the emails from XXXX saved. 

I have been calling Cash app to explain over and over with no solution and as of XX/XX/XXXX there has been no contact with them or them trying to contact me. Before XX/XX/XXXX they did email me back but gave an email that gave no help or solution. They also said to call in but the app and their site and nothing on XXXX to contact them. They claim you can file a claim to get started but nobody will contact me back and there is not a phone number that can be called. 

Please help me and let me know what the next step is. XXXX has been good and I have emails stating it is NOT them from XXXX. After I stated that to Cash App they stopped communication completely. I can supply all account numbers, dates, emails and whatever you need just let me know. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity bank sent me a new j crew credit card. When I made the first payment in the new card ( XXXX ), they applied it to the old card ( XXXX ). I called in and they acknowledged my complaint on/before XX/XX/2022 in writing. Since then, they have continued to report me as delinquent at the bureaus and charge interest and high fees ( {$110.00} in fees and {$20.00} in interest ) when I have made timely payments on all purchases.
Product: Credit reporting or other personal consumer reports

I requested a security freeze be placed on my credit profile.
Product: Credit card

TD BANK USA/TARGETCRED card was opened under my name on XX/XX/2023 for {$120.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Product: Checking or savings account

On or about XX/XX/2021, I initiated a business checking account at Bank of America, account number XXXX. The account was opened on or about XX/XX/2021. On or about XX/XX/2021, I made a transfer of funds into the Bank of America account in the amount of XXXX. On or about XX/XX/2021, after calling Bank of America, I was told that the funds were transferred into my account at Bank of America, and that the funds will be returned to me in the form of a cashiers check within 7-10 business days. On or about XX/XX/XXXX, I called a local branch at XXXX XXXX XXXX XXXX, XXXX, CA and spoke with XXXX XXXX who after speaking with Bank of America customer service confirmed that the account was being closed ; XXXX XXXX stated that I need to call Bank of America on or about XX/XX/2021 to confirm the issuance of the cashiers check. On or about XX/XX/2021, I called Bank of America but I was unable to obtain any information about my account. When I called the local branch at XXXX XXXX XXXX XXXX, XXXX, CA on or about XX/XX/2021, XXXX took my information over the phone ; later, on the same day, XXXX told me that she spoke with the back office who told her that I was once again had to call Bank of America on or about XX/XX/2021. When I called Bank of America on or about XX/XX/XXXX. XXXX, I was told that the account was in the process of being closed and that no information about cashers check issuance was available, and that the closing process could take up to 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft & have one or more fraudulant accounts all 3 on my credit bureaus profiles & will need them disputed & removed as soon as possible
Product: Checking or savings account

Fifth Third Bank response states that the customer opened your Essential Checking account on XX/XX/XXXX, and you did reach a balance of over {$250.00} by XX/XX/XXXX, which was forty-five ( 45 ) days after the account was opened. However, the requirement of maintaining a minimum daily balance of {$250.00} for forty-five ( 45 ) consecutive days was not met because the account was closed at a zero ( 0 ) balance on XX/XX/XXXX. Therefore, this account was disqualified from receiving the bonus. 
This information is incorrect due to the fact that Fifth Third Bank closed the account without refunding + {$390.00}, is still liable for unreturned funds ( as of XX/XX/XXXX ), and balance on XX/XX/XXXX should have been + {$390.00} ( refer to CFPB COMPLAINT XXXX : XXXX & XXXX ).
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me, XXXX, XXXX, XXXX XXXX XXXX I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times for the documents showing charges totaling {$490.00} that is on my credit reports. I want this cleared off my credit reports
Product: Credit reporting or other personal consumer reports

I've recently checked my consumer credit report and noticed some inaccurate accounts reporting. Please see attached.
Product: Money transfer, virtual currency, or money service

I began to send my rent money to my landlord over Zelle, but then it went to a different number Ive never contacted before in the past. It was {$1500.00}. I asked XXXX to help me get it back and they said they couldnt help me. I contacted the person the money went to and they blocked me. I never got it back and it put me in debt. 

It went to the phone number XXXX on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2019 a lady stole my Identity from her job. I was given min, information about her. I did have to sue the company and they had to prosecute her. She made a fake Id with all my info. obtained loans, lines of credit, credit cards, and student loans for the most part. She had worked with them some years stealing over 20 peoples info. I also have 2 accounts one with XXXX and one with XXXX XXXX the attachments are here. XXXX I was an AU on my sons account and XXXX it was reported closed on my line of credit and it is not. I also have a XXXX  card that was removed due to the fraud and applied back on my account recently. I never had a XXXX  card acct number XXXX for {$27000.00} I have 1 XXXX  that I do not want you to touch which is for {$1000.00}. After my case the judge granted that I was not liable. XXXX XXXX COLLECTION PURCHASED THE DEBT AND REPORTED IF AFTER IT WAS VALIDTED NOT MINE. THE LADY OPENED THE ACCOUNT WITH THEM THE ACCOUNT NUMBER IS PA XXXX ... THAT NEEDS TO BE REMOVED IMMEDIATELY AND BLOCKED. I just got the fraud alerts off so I can purchase my home and all this stuff happened back to back preventing me from closing. If you look at my files I pay everything on time! I need these removed immediately. FTC ATTACHED, MY REAL ID 's attached, ss card attached, the thief 's fake Id attached, bill attached, police report, ftc, XXXX letter and XXXX attached and notary attached. I live 6 months in XXXX  and 6 months in XXXX. my job has been like that for 3 years.
Product: Credit card

I was traveling and was scammed by a vendor on the beach on XX/XX/. I bought two drinks and was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. Two drinks obviously do not cost {$870.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XX/XX/XXXXlate payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XX/XX/2019. It was the first time I have heard of the change in the previous three times speaking with Freedom Mortgage Company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XX/XX/XXXXdue to billing statement they sent to my house on XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XX/XX/XXXXlate reporting. See notes for XX/XX/XXXXreporting please under mortgage notes with company.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 
Account # XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX This debt was originally procured through XXXX  XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as Simms Associates. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. Simms Associates has no standing legal collection process. So recently they assigned the collection to a law firm known as XXXX XXXX XXXX XXXX, XXXX, located in XXXX, MD XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is Simms Associates trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both Florida and Maryland. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against XXXX XXXX XXXX, XXXX. with the Maryland Bar Association. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.
Product: Payday loan, title loan, or personal loan

The One Main Financial personal Loan for {$4200.00} currently listing and showing on my XXXX XXXX, XXXX and XXXX credit report is a fraudulent personal loan account, not my personal loan account and is the result of identity theft. I never applied for a personal loan with One Main Financial. The police report case number is : XXXX for the fraudulent One Main Financial Personal Loan Account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1986, XXXX : XXXX
Product: Credit card or prepaid card

XXXX XXXX Account # ... XXXX Capital one closed my account XX/XX/2022 and has been charging me interest rates and late fees sinced they closed my account. If they going to close my account. Close it. But it is fraud to keep charging me interest rates and late fees.
Product: Debt collection

I received a call from this debt collection agency saying they were filing a lawsuit against me and suing me. They left this information in a voicemail. When I call them, I told them this wasnt my debt. It was some sort of online loan that didnt actually have someone speak personally with me. The original creditor is XXXX XXXX, and this is not on my credit report either. They begin asking me if I know a person, and I tell them no. They then threaten to call said person and patch the call in on mine. I totally ignored that. They then tell me that my number is registered to a person with that name. Im not sure where they get their information, but this phone is in MY name. They also started talking about a company that I havent worked for since XXXX, saying that this XXXX place confirmed employment for me there in XXXX. No, they didnt. They gave weird email addresses. One was from XXXX, and I dont have a yahoo email account. The person on the phone argued with me telling me that I did. Im pretty sure that I know what my email address is, and it isnt a XXXX account. The threats were illegal, and carrying on with people I dont know or email addresses that I dont use - Im not sure what the purpose was. I do know that they do not need to contact so and so or anyone else about a loan theyre saying I owe that I dont. Also, when I called back- the gentleman on the phone admitted that the original caller was a pretexter- to make sure that was my number and truly me. Hmmm?!?!? They supposedly knew so much about me but actually didnt. So odd!
Product: Payday loan

I got a call from a collector from the Cash Store on a SUNDAY NIGHT at XXXX. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the XXXX and other agencies. i have been in credit and collections for XXXX years so I knew they were violating the law.It was for 400 % which was not told at the time