23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb 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 c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 5TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two student loans that are showing on my credit report that I didn't open and didn't sign for my parents sign for the loans the school that open the loan was a fraud and they closed down and was in the news paper I didn't open the loan and it isn't mine the account is also closed and paid it should be removed by law its not mine and the account is closed and paid
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report it appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Please block/remove these items : XXXX XXXX XXXX XXXX, IL XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Date XXXX : XX/XX/XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have tried multiple time over the last month to contact this company. No one answers the calls or returns the messages. This collections agency has placed my credit card debt as repossession and I am trying to get in contact to pay if off but can not get in contact with anyone.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX 2020, I withdrew XXXX ETH  from Binance to Coinbase. I double checked the target address, and the tokens were received by coinbase but did not appear in my account due to BEP-2 network being selected. At the date of transaction, the ETH were equivalent to {$2900.00} USD. I have been a long time member with coinbase for 3+ years. All my personal information is verified with them. I contacted the support team on several occasions only to be met 15+ days later with an inadequate, automated response. Coinbase has the ability to credit my account with my funds, or at the very least send the tokens back to Binance, but they refuse to help and acknowledge my issue. Lastly, I want to mention that there exists a GROWING group of 80+ members, all whom share the same issue and have collectively lost over {$70000.00} USD, and are pressing to have this resolved. The attached document expresses the grandeur of this issue for itself.
Product: Debt collection

Law firm Mitchell D. Bluhm & assoc ( MBA ) : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Received collection letters from MBA for {$210.00} for services date XXXX by a XXXX XXXX XXXX. we have contacted the collector ( MBA ) several times asking for verification of bill. they claim they don't have any. we have reached out to XXXX XXXX   XXXX and they inform that we have nothing owed to them. have checked into the XXXX XXXX XXXX  on this law firm/collection agency has over 600 similar complaints against them. they have reported us to our credit reporting agencies and have tarnished or perfect record. we are a retired couple and find that their practice is amoral and un ethical. we respectfully request your help. If we do owe monies we request again that they provide verification and we will pay. our credit report should be informed that it was improperly tarnished.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found again that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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

THESE INQUIRIES ARE FRAUDULENT AND DO NOT BELONG TO ME XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date Of Birth : XX/XX/XXXX ID Type : Driver License ID Number : XXXX Address : XXXX XXXX  XXXX, XXXX, XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX i reviewed my early warning consumer report and noticed some fraudulent accounts. could you please remove these accounts. I am writing to request an investigation of the following information that appears on my early warning system consumer report. Iam a victim of identity theft. 

XXXX  : XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX  XXXX XXXX Open Date : XX/XX/XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX - XXXX  Date Opened : XX/XX/XXXX Account # : XXXX Routing # : XXXX XXXX  Name : XXXX XXXX - XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX Request : Where's the Money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.
Product: Vehicle loan or lease

XXXX was paid in full on XX/XX/2023. Company has been non-responsive in releasing XXXX on vehicle.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am sending this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX 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 or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

Account name : XXXX XXXX opened : XXXX XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with NATLCRSYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXXXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my report.
Product: Credit card

My account got triggered for fraudulent activity last week and they requested me to send in documents ; which I did to verify my identity. They stated that they did not receive anything from me so they closed my account. Attached is screenshots of the e-mail I sent them and the automated message their system sent back stating that it was received. I also attached the threat I had with their customer care team.
Product: Checking or savings account

I deposited a stipend check from the University XXXX XXXX via Bank of America ATM in the amount of {$2100.00} on XXXX XXXX, XXXX at around XXXX pm pacific time zone. After finishing my transaction, I was notified that the funds would not be available to me until XXXX XXXX, XXXX at XXXX am central time zone. I spoke to a bank teller and a customer service specialist on the phone and they would not release the hold on these funds. I normally receive this exact amount of money, for about 2 years straight, each month via direct electronic deposit from the University. I had to deposit a check this month because the accounting department had been delayed in issuing the electronic deposits this month and I wanted to have money in my account on the first of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off in 2020 due to covid. I was behind on car payments. Made arrangements with Capital One Auto Finance to get current. I kept agreement and am now current. Capital One is still reporting payments as late. Per the CARES Act Sect 4021 : If furnisher makes an accomodation with respect to 1 or more payments on a credit obligation, and the consumer makes the payments pursuant to the accomodation, the furnisher shall report the credit obligation as current. 

I have called Capitol One, I have disputed with the credit agencies and my credit report still shows 6 payments as late. I would like all of these changed to report as current.

Capitol One Auto Finance Account # XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regreing Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

This is with regard to medical from 2 years ago. These calls from TransWorld Systems , Inc. are unceasing. They have been notified we are on DO NOT Call registry, but they don't care. The ID Code is XXXX. I want this stopped. If they need to contact me they have my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX and believe that I am a victim of the XXXX data breach and some, if not all of my personal information may have been exposed. When the incident happened with XXXX, I did receive notification the data compromised may have included my personal information, such as name, Social Security number, date and place of birth, and current or former address but I did n't take think it truly affected me. In XXXX, I decided to view my credit report and discovered that there was a great deal of incorrect information showing. Because of this, I immediately placed a fraud alert on my account, XX/XX/XXXX, and started to take action with disputes. Not only did I dispute but I also purchased several credit monitoring services so that I could place a lock on my credit reports. I disputed online, via the phone and via the mail. The reason for this complaint is that I have filed multiple disputes with Equifax regarding unauthorized fraudulent credit inquiries that are appearing on my credit report and to this day there has been no action taken on my credit report with Equifax. I opened up web disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX, via the phone ) regarding unauthorized fraudulent and duplicate inquiries. On XX/XX/XXXX I also mailed a certified 609 validation letter explaining my consumer rights under FCRA and asking for the inquiries to be validated, updated, to provide me with proof or to remove. Unfortunately, neither of my online disputes, nor my phone calls, nor my certified validation letter have yielded any results. I havent even received anything in the mail stating that the investigation is ongoing or complete and when trying to check a status online the Equifax dispute system has been down for what seems like a month. Even further, Equifax has yet to mail me a hard copy of my credit report that I have asked for on multiple occasions. Lastly, as mentioned above, I purchased a credit monitoring service with Equifax to monitor my credit. This product allowed me to place a lock on my credit report for extra protection. The paid monitoring service with Equifax ended in XX/XX/XXXX but Equifax still has a lock on my credit report. I have called Equifax at least five times in the last few weeks with regard to removing the lock from my credit report. Equifax has yet to remove the lock and I no longer have a product with them. Each time I call regarding the removal of the lock, Equifax alleges that they have opened several cases to try and resolve this issue ; however, the issue is still not resolved. I recently tried to subscribe to a new credit monitoring service that monitors all three bureaus ; however, due to the lock on my Equifax credit report I am unable to view or subscribe to these services which further prevents me from being able to view any changes, updates or if any additional fraud is taking place on my account. I am seeking the help of the Consumer Finance Protection Bureau with regard to Equifax and my credit concerns with them. Kindly, thanks for your assistance.
Product: Checking or savings account

All accounts are held by PNC. Currently living in XXXX, XXXX On XX/XX/year> agent from XXXX XXXX XXXX XXXX XXXX XXXX  came out due to having received report of financial abuse of account holder by POA. On XX/XX/year> all accounts were placed on holds with no access. Account holder spoke to XXXX XXXX XXXX XXXX agent who's report says there was no fraud or abuse and no substantial evidence to support false claims. The report stated the person making the report was putting the restrictions on all accounts. XX/XX/year> spoke to agent about holds was told to receive call back in 24 to 48 hour business hours. SSA money was deposited into account from Social security office but denied access from bank while accounts were on hold. XX/XX/year> agent from aging office spoke to bank and told them no fraud or abuse. XX/XX/year> account holder was informed to call XXXX XXXX at PNC but no contact information, but XXXX would reach out. Never received phone call. XX/XX/year> spoke to agent XXXX XXXX following up from XX/XX/year> phone call who had XXXX XXXX on line but did not speak asking to verify everything. It was verified. Then proceeded to ask account holder in order to release funds you must admit going forward POA will drain all of your accounts. After was assured account holds would be released. XX/XX/year> received phone call from XXXX saying holds will not be released until all transactions are verified ( now for the XXXX time ) and meeting in person along with adding me as POA on checking and savings. Previously was only added on investment sides. I was only POA on annuity til they added me as POA on investments XX/XX/year>. The holds were only placed due to false allegations on a report that has been proven false.
Product: Debt collection

Hey my name is XXXX XXXX and I got three letters in the mail today saying I owe debt to XXXX XXXX XXXX and I work there I need to talk to somebody to see whats going on
Product: Credit reporting or other personal consumer reports

XXXX reporting fraudulent hard inquiries- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX reporting fraudulent hard inquiries XXXXXXXX XXXX XXXX XX/XX/XXXX Experian reporting fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXXy 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) {$3300.00}, summit A r balance {$890.00}, XXXX XXXX balance {$790.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX XXXX balance {$130.00}, XX/XX/XXXX Balance {$0.00}
Product: Debt collection

This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations XXXX XXXX years XXXX to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history. 

XXXX A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more XXXX years old, or bankruptcies that are more than XXXX years old.
Product: Debt collection

I have sent them a debt validation letter in which they have not responded. They are continuously reporting this account in my credit files without proper debt validation. They have also not provided any original debt with my signature.
Product: Debt collection

PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.