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

I am writing to report a case of identity theft. The fraudulent accounts and hard inquiries that are still showing on my credit reports, despite my efforts to have them removed. I sent out my letter on XX/XX/XXXX, and they received it on XX/XX/XXXX. However, to this date XX/XX/XXXX, the fraudulent hard inquiries have not been removed from my credit report. 

I have also reached out to the company responsible for the fraudulent activities, they closed the accounts but that closure too is not reflecting on my credit reports yet. The fraudulent accounts on my account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Please remove the following fraudulent inquiries too from my credit report : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX. 

I have attached my FTC reports, ID, proof of address, and SS card for your reference. Please resolve this asap.
Product: Debt collection

Dozens of calls from XXXX numbers from Portfolio Recovery. They are looking for someone named " XXXX '' who had this phone number before we did XX/XX/XXXX. I 've told them this in the past yet they continue to call. I was forced to get a call blocker just so I could ignore them. We have never had any kind of debt go into collections at any time. We have never had any debt in arrears at any time ( this is over 40 years time ). We are not who they are looking for but they will not stop calling. 

I 've attached a partial list of some of the numbers and dates that Portfolio Recovery has called. These all came after I had informed them that the person they are looking for no longer has this phone number.
Product: Credit card or prepaid card

Transaction date is XX/XX/21 for the amount of {$1200.00} dollars and merchant is XX/XX/XXXX 
The reason for this dispute is because i purchased an XXXX  XXXX XXXX XXXX and was received a XXXX  XXXX. I have tried to contact the merchant but they have a fake phone number online and numerus scam reports online. They do not reply to email as well as they only have robot replying. 
This has been the most ridiculous dispute I have ever had in my life. The first dispute was submitted back in XX/XX/21 and it was denied due to " merchant has proof that i have made the purchase '' I called back apple and told them I have NEVER ever said that it was a fraudulent purchase. They reopened the case and it was denied under the same reason, so is the third time, finally the fourth time they changed a reason. They denied the case again due to " merchant has provided a credit '' I called XXXX  again and the agent apologized to me and told me she just checked and no credit was provided by the merchant. She re-opened the case again. But i doubt this time it will be resolve so i have to complain here. 
It feels like whoever is working on the dispute just check whatever reason they want. They didnt investigate thoroughly. Even the agent i talked to that help me open the dispute told me she is sorry and she has heard so many people got scammed by XXXX. But I am not resolving at my end and losing so much money getting scam because Goldem Sachs bank for XXXX  can not protect me and they made decisions randomly. 
I have a good credit, barely report for dispute and yet this is first time happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple certified letters to Experian XX/XX/XXXX, XXXX Online disputes regarding Unauthorized illegal credit report inquries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this issue with this company before, they are reporting a public record on my credit report that is not mine and I am having to submit a complaint to get assistance with removal of this inaccurate information. XXXX XXXX is the company that they normally use to verify public record data and I currently do not have anything reporting to my account. I would like for this to be corrected and the information removed from my credit reports immediately. This is the fourth time I have had to send in a complaint to CFPB and i would like this item removed asap. 


I am a victim of ID theft and I have provided proof to the bureaus previously.
Product: Debt collection

On XX/XX/XXXX a company by the name of Dynamic Recovery Solutions contacted my HUSBAND and informed him they were calling about an {$8000.00} debt from XXXX for me from XXXX  XXXX. have not received a call from them. I have no proof of this debt, nothing was mailed to me. I also currently have 4 accounts with XXXX XXXX. If I owed them money in the past why would they have approved me for new accounts? My debts, if this is even a valid debt should be discussed with no one but me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are a list of fraudulent accounts and inquires per bureau EXPERIAN Child support enforcement {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. XXXX, Experian and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( Experian ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian XXXX XXXX XXXX XXXX Vice President and Associate general counsel - ( XXXX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX ) XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX vice president and division gen counsel
Product: Credit card or prepaid card

I previously had Wells Fargo accounts but one day in maybe XX/XX/2019 I tried to use my card and it was embarrassingly declined. So I called and was told they think there might be fraud on my account and closed it. Now last week out of the blue I received a new credit card from them. I have not received one single piece of mail or communication since they closed my account years ago. I wasted several hours trying to get someone to help me at wells fargo but no one cared. I was told the card was canceled but this morning i got am email that my new card is on the way! I dont understand what it happening but looking at the Wells Fargo class action lawsuit it seems to be the same scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

They put my funds on hold and told me there was no reason it should be on hold after sending documentation & that it would be removed in 3-5 business days its been 2 months this is absolutely wrong then to have no explanation and still have my funds on hold I will never use capital one again after this & I will make sure I let people know what had happened to me. This should be against the law I will get a lawyer next if I have to
Product: Vehicle loan or lease

XXXX XXXX XXXX is reporting my account to all 3 credit companies as closed charge-off and late payments ... I paid my account in full and on time since XX/XX/2012 until the end of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX the XXXX XXXX I went to purchase a new car and I was advised the that XXXX XXXX XXXX XXXX Reported to Equifax that my car was a charge off and they were unable to do anything. I took a look at my report and sure it was correct On XXXX XXXX it was reported that my car was a charge-off in XX/XX/XXXX and that the last payment that they had received was on XX/XX/XXXX which is totally incorrect the last payment was made on my car on XX/XX/XXXX bring my total car balance to XXXX with the next payment due on XX/XX/XXXX. I then contacted XXXX in regards to this and it was stated to me by XXXX working in the loan center that yes my account was marked as a charge off and she is not sure why. Then I was connected to XXXX in collections and she stated to me that I was current and she had to look into why the account was marked as a charge off. This is really horrible what I am experiencing with ABNB I have had this car for 3 years with 1 late payment by 11 days back in XX/XX/XXXX for XXXX that was added to my XX/XX/XXXX payment I constantly have to contact XXXX as regards to reporting incorrect information. I have also attached my report with the information that XXXX has reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I have been banking with Chime since XXXX. My chime account was hacked twice last Tuesday XX/XX/XXXX. I received a text message that my email and phone number had been changed on my chime app. I tried to log into chime and it said that I was using the incorrect log-in. This happen once at XXXX XXXX then again at XXXX. It was after XXXX and when I tried to contact Chime via phone the system didn't recognize my number because it was changed. The first time the $ XXXX was stolen Chime was able to reverse the transaction right away and give me my fund but the second time the money was gone. I sent an email to support but didn't receive a response. I was finally able to contact chime the next morning and spoke with a representative that advised me that {$10000.00} was transfered out to found and to open a dispute and XXXX change my informtion back to mine. Since then I've sent over 20 emails and spent over 10 hours on the ohine. I called Chime back only to get bounced around from person to person because the correct information was not updated in their system and they couldn't verify it was me. I finally spoke with XXXX in disputes who had me send in a photo of my ID and SS #. We filled out a dispute and I was notified that I would receive a provisional credit with 10 days, XX/XX/XXXX, is the date she gave me. XX/XX/XXXX, I received an email that Chime was closing my account for " Behavior that was not in compliance ''. Now every time I try to call I get an automated response that my account is closed and I can only contact them via email to their support. It's been 1 week and I haven't seen any resolution nor have I receive a provisional credit. It's just unfortunate that it was so easy for a hacker to access my Chime account in the first place. It seems as if there are more precautions that they hand agains me the actual ownthanthen the one who got access to my account. I just got a response from Chime from a rep name Pualie stating, " Regarding with your dispute ( XXXX ), I looked into the status of your dispute and see that you were not eligible for provisional credits due to the type of dispute you filed. Unfortunately, we do not have any additional information to provide to you and I apologize for any inconvenience this may cause. We will notify you through your email once we have an update for your claim. Thank you for your patience while we continue your investigation. ''
Product: Checking or savings account

Chime Bank froze my checking & savings account regarding an incoming credit from my employer, they state the amount and dates spanning over an 8 month period They asked for documents which I provided numerous times and still my account is frozen for going on 4 days with no resolution. I have had this account for 5+ years and have received deposits from my employer bi weekly into the account for 4+ years. Again Ive submitted proof of address copy of my Ny state identification card and paystubs from my employer. Every time I call I get a person that does not give a sufficient answer. 
I have not been able to pay my bills, buy groceries for my family or use any of my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent experian this letter to remove inaccurate information off my credit report and they fail to do so I have been trying to get my address updated since XXXX. 

Date : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : General Delivery XXXX XXXX, IL XXXX Please update my name : XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XX/XX/XXXXXXXX  My only employer is : XXXX XXXX XXXXXXXX XXXX XXXX do not wish to have telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I have filed two previous complaints against this company. The first in XX/XX/2021, the second in XX/XX/2021. They have ignored my initial complaint and although they have responded to my second complaint and found the investigation in my favor. They have refused to give me the XXXX that is owed to me. On XX/XX/2021 I was sent 2 letters stating that I would receive 2 separate checks, 1 for XXXX, 1 for XXXX. I received a check for XXXX on XX/XX/2021, but as of today XX/XX/2021 I still have yet to receive the second check for XXXX. After going to a branch and speaking with a manager, the claims department admits that the second check for XXXX was not issued and that they would not be issuing it for up to 60 days. Not only has this bank inconvenienced me and illegally mishandled my credit file they are flat out complicit in theft of consumers funds.
Product: Debt collection

So this company contacted me a few months and said if I don't settle the matter with them I would be in a lawsuit. I haven't missed a payment before but today I didn't realize I wouldn't have the funds on the agreement date and I told them when I get paid so I would pay the following week. After trying to explain I have no money and won't be a le to pay today she agreed. 

Then she transfered me to a male. He was very abrasive and predatory. Saying that I am required to pay today we are on a recorded line with agreement and if I violate the agreement alluded to lawsuits. Then when I explained I had no money said fine to arrangement then threated that I'm lucky they didn't charge me {$300.00} a hour for this. 

Also without my concent or knowledge they left a voicemail on someone I knows phone giving my personal information trying to collect the debt.
Product: Checking or savings account

Statement from Discover Bank shows a balance of {$73.00} in my checking account. I have called the bank several times last time over one month ago, to close the account and send the balance to me. they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX DOB : XX/XX/year> To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on! 
Personal Information NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you have any listings with differently spelled names, please delete them immediately so the information you have on file for me is accurate. 
CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me. 
Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.