23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co, XXXX Chase Executive Offices Mail CodeXXXX XXXX XXXX XXXX XXXX, Ohio XXXX RE : Account Numbers XXXX ; XXXX Dear Sir or Madam : I am writing to dispute fraudulent charges on my account in the amount of {$13000.00} {$12000.00}. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that the charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
Enclosed are copies of my Identity Theft Report, my Colorado drivers license, and flight itinerary, showing that I was not in town or at my house to receive or sign for any packages, supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
In the letter you sent me for denying these fraudulent claims you state I received benefit from these transaction this is in correct. I did not receive benefits from these transactions because I did not receive any merchandise or any type of benefit. 
I have also talked to XXXX EXT. XXXX and XXXX EXT. XXXX and told them I did not make these purchase. They confirmed that the dates, that packages were delivered I was not at my house, I was in another State. They do not want to listen to anything I have to say. They told me that I have to write a letter to Chase Executive office. 
Also please send me all the information you have received for the retailers. Once I receive this information, hope fully including what was purchased and the tracking information. I will review this information. I am sure if you review the tracing information, my signature will not be the signature that signed for these packages. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX while reviewing my credit report I discovered on my XXXX  report that Portfolio Recovery Collections services reported to the credit bureau as of XX/XX/XXXX there is an outstanding XXXX  XXXX Balance in the amount of XXXX. 

On XX/XX/XXXX I reached out to Portfolio Recovery and spoke with a representative by the name of XXXX. According to this representative she said on XX/XX/XXXX an credit account with XXXX XXXX was opened however in XXXX XXXX the account was closed. 

I advised this representative that I did not have any open accounts with XXXX  XXXX back in XXXX and that this was fraud - nor did I ever receive any correspondence from this debt collection agency to have this matter investigated and appropriately addressed. On or about XX/XX/XXXX I opened a credit line with XXXX XXXX and then I opened a second account with this same company in XX/XX/XXXX. In XX/XX/XXXX I no longer utilized XXXX XXXX services and had both accounts closed with no remaining balance - this company also followed up with me and sent me two letters in the mail acknowledging that both account were successfully closed with no additional outstanding balances. 

According to the representative ( XXXX ) at Portfolio Recovery after informing her that this debt collection was a result of identity theft / fraud she would on my behalf submit a dispute to the credit bureau and have it submitted as ( fraud / identity theft. I was then advised again by XXXX that she would be sending me a fraud package in the mail to complete so an active investigation could be conducted. 

I am submitting this claim to the best of my ability that the information enclosed is accurate.
Product: Checking or savings account

I opened an account with CitiBank and transferred money from my XXXX XXXX  into my newly opened account to fullfil the initial opening deposit requirement. Upon completing the deposit with a Citi tellar on the phone I went to the ATM to withdrawal the funds. It denied my withdraw request and the tellar couldn't see why anything would be preventing it. Since I couldn't access the funds through my newly supplied debit card the representative instructed the best course would be to wire transfer the money back to XXXX XXXX which is what we did. I paid for the immediate payment which can still take up to an hour but it didn't ever go through. Now after months and months of no one helping me whenever I've called I just want my {$500.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters asking for validation and have yet to receive proper documentation to validate the alleged accounts. These accounts are hindering my ability to receive a well-deserved promotion in my career. Please provide proper validation or remove the alleged accounts immediately. Thank you!
Product: Debt collection

after reviewing my credit report, I discovered accounts that I did not recognize or apply for.Upon further investigation, I realized that my personal information was exposed in several data breaches as well I have no recollection of applying for any of the the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, and fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 



These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety .I have no connection these these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has been listed as an installment loan on my credit report. PRA is not an installment loan company and I have never held an installment loan with PRA. 


I have contacted PRA several times about this issue and they claim that the consumer reporting agency is responsible for this error. I have reached out to XXXX  several times and they responded that the company has no control over the information published by a reporting company and that it is PRA 's responsibility to report correct information.

This is a known issue and tactic with PRA. Several complaints have been filed against PRA for this same issue.

I have mailed 3 certified mail letters to PRA about this issue and have never received a response or correction
Product: Credit reporting or other personal consumer reports

I would like for XXXX XXXX to remove all the derogatory information from my credit report!! XXXX XXXX is not upholding the Fair Credit Collection Act along with the Consumer Act and has not removed the old address from my credit profile since the last dispute!! 
I am tired of old information reappearing on my credit report, ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( XXXX ). XXXX along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!! 

Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Freeze was removed from account by a bad actor who apparently changed the login information for Experian. They provided me with access to the account when I was notified by a creditor of an attempt to get credit in my name. I changed the information back and updated the password. The issue I have is that we could not turn on Multi factor authentication. Then overnight the information again was changed by a bad actor. When I called back, they could not get me back into the account and only offered an escalation with a call back sometime in the future. I am concerned with the weak security posture of Experian and the ability of someone to change information in their system without any confirmation or notice to the existing email or an MFA notification. 

For an organization that I have no choice to engage with, to have such a poor security posture is a disservice to everyone who needs to use the credit system.
Product: Debt collection

About 2 months ago, upon getting a notification from XXXX XXXX that there had been a change on my credit report, i discovered a collections account listed as Plusfour for {$25.00}. I immediately proceeded to look up the company and contact them to resolve the issue, as quickly as possible, since I had never been contacted by them nor did I know what this outstanding debt was for. When I spoke to a representative I confirmed my address ( which was incorrect in their system since I had recently moved XXXX ) as well as my phone number, which was still the same. At that time she informed me she could not discuss my account with me because I was no longer a XXXX resident and they were not licensed XXXX. I told her I understood and asked what i needed to do to proceed. She said they would be transferring my account to a company that was licensed XXXX and that it could be XXXX5 days. I waited almost two week and then called Plusfour again because I had still not heard from anyone and I was eager to resolve this, since this was still a negative remark on my credit score that had lowered my score by XXXX points. Once again I was told that they could not discuss my account because I resided XXXX, but the representative did provide me with the phone number with the company that was now handling my account. I went ahead and contacted the XXXX Debt company and was told by the representative that according to her records they did not have any outstanding accounts associated with my name, SSN or phone number. Once again I called Plusfour this time to inform them that the company whose phone they gave said there were no accounts for me. She verified that she gave me the correct information, which she had. I asked to speak to a supervisor and was told he was not in but that he he would review my account, contact the colorado company and then follow up with me, which he never did. 

Almost 2 months have gone by and I have still never been contacted by anyone in order to resolve this issue. As someone with a credit score over XXXX who has never had an account in Collections before this, I am now infiruated that this negative remark is still on my credit report and that although I have done everything in my power to find out what it is about or how to resolve it, i have been unable to. Plus XXXX never called me once in regards to this account before reporting it to the credit bureau, in fact they 've never called me at all. I would have resolved it before it ever got to this point.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX -Date Opened : XXXX BALANCE {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX - BALANCE {$1400.00} Unauthorized inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$410.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX credit score and earn close to $ XXXX a year ... All of this is in my application for credit. They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.

NOTE : I filed a CFPB Complaint about this incident to which Capital One had lied in its reply that they contacted me. CFPB in their infinite wisdom closed this complaint without any resolution ....

If you close this complaint again without resolution or communication I will be forced to pursue litigation as you seem keen on avoiding mediation.
Product: Debt collection

I made a settlement offer with Receivables Performance Management ( RPM ), a collection agency for XXXX XXXX. The settlement was made in XX/XX/XXXX and accepted by RPM, all payments were made in accordance with the settlement agreement. Today, XX/XX/XXXX RPM is stating I still owe the original balance. I have a hard copy of the settlement that was printed from their WEB site that clearly shows the settlement was agreed to and that all payments were made. 

I called RPM and explained this to them and they said they have no such agreement with me. Please help in resolving this matter with RPM. I can provide all the evidence you need to show that they agreed to this settlement and I made all payments according to the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau : XXXX Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry within my report for XXXX. I have never applied for credit with this lendor. I ask that the issue is investigated and the item removed from file.
Product: Credit card or prepaid card

on XX/XX/XXXX I logged onto XXXX to see a XXXX dollar balance on a credit card I did not open. This card was supposedly opened in XXXX and I was 8 years old at the time and could not have possibly opened the account myself. I disputed the charges on XXXX but nothing was removed from my account after their investigation. I do not have access to the account holder 's name or information as I have no idea who that would be.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Transunion where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****,
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you immediately block and delete the following accounts and inquiries from my credit report. I am a victim of a significant data breach, and these entries are the direct result of unauthorized activity stemming from this breach. 
I am invoking my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of information resulting from identity theft. The following accounts and inquiries are fraudulent and were opened or initiated without my knowledge or consent : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

This bank makes XXXX useless!! They are now holding funds from a client sent via XXXX for 3 days. A business account should never face this. First, they restrict the use of XXXX. As a business, I can only send XXXX a month. This is unheard of. I have had XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX where I could send XXXX + a month on XXXX the same month of account creation. PNC has tried to blame this restriction on XXXX, but I have since confirmed with their Office of the President that it is a PNC policy. Now they are holding incoming XXXX for 3 days?? What is wrong with this Bank!!??