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

I, XXXX XXXX XXXX, Consumer, did not give XXXX XXXX  XXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that Equifax XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXXXXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX account number XXXX, XX/XX/XXXX Account Number XXXX, XXXX XXXXXX/XX/XXXX Account Number XXXX,XX/XX/XXXXAccount Number XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Product: Debt collection

I keep getting text messages from a number claiming to be credit control and stating that they are trying to reach me and they include a suspicious link. How do they have my private cell number? 
How do they think its acceptable and professional to text someones private cell number instead of mailing anything? I have never received mail at my address in XXXX from XXXX XXXX. I also have not found anything on my credit report stating I owe them.
Product: Credit reporting or other personal consumer reports

I am reporting fraudulent account on my credit report please delete this fraudulent account from my report XXXXXXXX XXXX  open date XX/XX/2023 credit limit XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand removal of all charge off 's, collections and public information removed from my report. This is a violation of 15 UCS 1681 ( a ) 4 and my right to privacy. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to the credit bureaus asking them to investigate information that is being reported on my credit report. 

After 30 days and no response from any credit bureaus, I sent a second letter informing the bureaus that 30 days has passed without any information and by law the accounts must be removed.
Product: Credit reporting or other personal consumer reports

Company or Organization : Date began : XX/XX/XXXXXXXX AMEX {$3600.00} The date that I discovered it XXXX XXXX  {$55000.00} XX/XX/XXXX Date that I discovered it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date that I discovered it XX/XX/XXXX {$340.00} Medical {$970.00} I am vicicim of identify theft from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit card or prepaid card

Where do I begin. I have been a loyal customer of CitiBank and over the course of the last 5-10 years I have opened disputes with them against fraudulent billing from merchants. The number of disputes must have been in the range of 24-30 and NOT A SINGLE dispute was ruled in my favor despite my spending countless hours pursuing disputes with them. All they are interested in is bilking customers under the guise of helping because their real customers are the merchants.

I want something to be done against these big banks and especially CitiBank because I don't come across anybody complaining about other banks. I am just sick of it and I have lost lost a lot of money since I have been with them. Enough is enough. 

Please render some justice here. 

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

These inquiries were not authorized because I was already pre financed through my bank.
Product: Credit card

Lord and Taylor credit service is after all these years just now charging XXXX interest rates on its store credit card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an e-mail from the coinbase company saying that my password has been changed. I had not changed the password. On XX/XX/2021 I see that email and I communicate with them saying that I can not enter my account, and they reply by email saying that in 4 or 5 working days they will solve it, today XX/XX/2021 I write a ticker again saying that my problem has not yet been solved and they respond to me with the same email as on the day 30 saying that in 4 or 5 days they will solve my problem. it's a loop and i can't access my account where i have a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to request that the Credit Bureaus remove the fraudulent accounts and information off of my Crdit FIle in accordance with the Fair Credit Reporting Act. I sent a letter on XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again. I am in need of the immediate removal of the following items off of my Credit File : XXXX XXXX XXXX XXXX Ct, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXX Unpaid Balance {$200.00} XXXX XXXX XXXX XXXX  Unpaid Balance {$130.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2022. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/2020 at approximately XXXX I received a call from Bank of America attempting to verify a login attempt, I did not verify if over the phone, hung up and proceeded to check my account. I noticed two fraudulent XXXX transfers from my account totaling about {$1800.00} that were still being processed, I immediately called Bank of America and filed a fraud claim. My old account was locked down and a new checking account was opened where the pre-fraud balance of my old account was transferred over to by Bank of America. I was told that within 10 days I should recieve an initial decision by Bank of America about the fraud and that I would be able to call and have my direct deposit paycheck which was going to be deposited the next day ( XX/XX/2020 ) transferred over to the new account as well. I called the numbered provided by Bank of America on XX/XX/2020 looking to transfer my paycheck over to the new account from the locked account and was told since Bank of America had transferred all of the pre-fraud balance over to the new account the old account had become overdrawn due to the fraudulent charges and I would not be able to get my paycheck funds as they went towards the negative balance, I was told that I would need to wait for the 10 day mark at which point Bank of America would make an initial decision about the fraud and either reimburse me the fraud amount and continue investigation or deny my claim. Today XX/XX/2020 I called Bank of America again to check on the status of the claim as it was well past the 10 business day mark for them to make an initial decision and I had not received any correspondence in any way from Bank of America, in the call I was told that evidently an email had been sent to me on XX/XX/2020 stating that Bank of America had denied my claim since an authentication text had been sent to me and used. I do not remember receiving any such text and when I asked what options were available to me I was told the only thing that could be done was have a request for revision of the case which would essentially be just another claim but with a different analyst and would take another two weeks to have anything done. I have checked every folder on my email account and have no evidence of this email and am overall very dissatisfied with the way Bank of America has handled this fraud claim as I did everything in my power to refute the fraudulent charges and yet Bank of America has done nothing nor do they seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX  Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit shows that the account is dated 2005 from US. Dept of Education. 

The account is not my account, the account has no balances or other pertinent information. 

The account is 15 years old.
Product: Credit card

On XX/XX/XXXX I made XXXX XXXX reservations with a person named XXXX who said he was at the XXXX XXXX call center 's phone no. XXXX. XXXX confirmed that the XXXX XXXX XXXX XXXX had a XXXX out of a XXXX star rating, which was also indicated on the internet. Based on that information I booked a XXXX night stay for XX/XX/XXXX at the XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ for a total charge of {$66.00}, which XXXX said would not to be charged until my stay on XX/XX/XXXX was completed. Both the star rating and my Amex account not being charged until after XX/XX/XXXX were not true. On my arrival at the aforementioned XXXX I inspected the room I found that is was unfit for human use and did not sign in that room nor did I stay at that XXXX. When I received my XX/XX/XXXX Amex STMT I learned that XXXX at XXXX incorrectly charged my Amex account on XX/XX/XXXX for the {$66.00}, which was prior to the completion date of my stay at that XXXX XXXX as agreed to. I was asked by XXXX complete a survey on my experience at that XXXX XXXX I did and gave the worst rating possible to that XXXX XXXX. 

I contacted Amex in writing XXXX on XXXX and disputed the {$66.00} charge. I also contact Amex in writing fully disputing this charge with backup documentation again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and Amex still has not fully credited this account for {$66.00}. Due to Amex 's failure to follow the rules on this disputed amount I have cancelled my account and membership with Amex. 

The CFPB Ombudsman XXXX XXXX has received a copy of these letters together with the backup documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. 

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

On XX/XX/2022 I submitted a letter to the three major credit bureaus ( XXXX, Experian, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my Experian credit report, however, the other two accounts were still showing. After looking in the dispute center in Experian, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue I have recently discovered on my credit report that requires your prompt assistance and resolution. Upon reviewing my credit report, I noticed that there are late payments inaccurately reported on the account mentioned above. Im very confused why this one seems to ignore my requests. These late payments are not reflective of my actual payment history with the creditor, and I believe there may have been an error in the reporting process. 

XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXX customer service. 

I understand that maintaining an accurate credit report is crucial for financial well-being, and I am confident that this matter can be resolved amicably. I kindly request your assistance in correcting this discrepancy promptly. 

I appreciate your prompt attention to this matter and believe that with your assistance, we can rectify this situation efficiently. A correct credit report is essential for various financial transactions, and the accuracy of the information is crucial for maintaining my financial integrity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that you will update my credit report accordingly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX appearing on all three credit bureaus. 

Was disputed and updated on XXXX on XX/XX/2020, the other two bureaus soon followed with the reinvestigations returned as " paid charge off '', " {$0.00} amount owed ''. Now XXXX is trying to collect for approximately {$700.00} by phone. Have received no billing statements or other type of communication by mail. I wish for this closed account to be deleted from from my credit files.
Product: Money transfer, virtual currency, or money service

I received a text message that said it was from my bank SECU on XX/XX/year> at XXXX XXXX. The text read SECU fraud alert and said unusual activity on XXXX  card and gave the ending card number. XXXX at XXXX XXXX  balance add, XXXX, XXXX. If authorized reply yes if not reply no or call XXXX. To opt out reply Stop. I replied NO and the text went to XXXX. Then five or ten minutes later I got a phone call from a man who identified himself as a SECU rep and said he was going to try to put my money back in my account and needed me to click on my wallet ( XXXX ), I did not have any cards or bank info linked to wallet. I am technology challenged and was freaking out because of the amount of money. He asked me to do all these things with my phone. I called SECU the next morning and told them what happened, and they said it was not them, I read the text back to the person and she confirmed yes that would be the text the real SECU would send. I explained it was not me, and the transaction was still in a pending state, so I asked if they could just cancel or deny the charge. I was told I had to wait the transaction went thru for something to be done, which I did not understand by the way. I filed a fraud report with the bank and the local Sheriff 's office. SECU denied my claim. They said I had to take it up with XXXX XXXX, and they denied my claim within XXXX minuets of my call. The bank should have stopped the transaction before it went thru, especially if they had my police report. I would have never made a claim to law enforcement if it was not true because it is a misdemeanor charge.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Product: Debt collection

they sent me collection paper work with my social security number on it .it did come in the US mail ( regular mail ) and I am concerned about this getting in the hands of the wrong people
Product: Money transfer, virtual currency, or money service

The debit card money network knows there was grand larceny on my account and they have not stopped the numerous unknown phones that appear on my mobile app account as trusted devices that can access my account and my phone and my data and the algorithms that gives them access to my deposits and withdrawals and purchases to then illegally transfer money or charge unknown amounts displaying as XXXX XXXX as a payment
Product: Credit reporting or other personal consumer reports

The credit reporting agencies have asserted that these accounts were thoroughly investigated and confirmed as verified. However, this assertion raises serious doubts, as my credit report still contains multiple inaccuracies. 

As a consumer, I demand transparency regarding the specific steps your agency undertook to ensure the accuracy of these items, as required under 15 U.S.C 1681i ( 7 ) Method of Verification. It is my right to understand how these discrepancies were addressed and resolved to guarantee that my credit report reflects 100 % accurate information. 

The continued presence of these inaccuracies undermines my ability to manage my financial affairs and damages my creditworthiness unfairly. I urge your agency to conduct a thorough and genuine reevaluation of these accounts, considering all relevant documentation and evidence I have provided. 

I expect a prompt and detailed response that outlines the exact methods used to verify these accounts and how the discrepancies will be rectified to comply with federal law.
Product: Checking or savings account

I was tricked by a lover online to deposit a check of {$3400.00}. I did this under the impression that this was my allowance given by my lover. I wasnt aware that she was trying to scam me for money. I just want to make it clear that I had no idea this was fraudulent. Im sorry for depositing it, but Im not going to spend anything. I really just dont want to get in trouble and I want the check canceled. I called Wells Fargo and they said that at this time they cant do anything cause it was already deposited. And that I should just notify Wells Fargo about my situation once they call back. Im really scared and do not want to be responsible for a crime I didnt know I was committing. I
Product: Payday loan, title loan, or personal loan

A form was faxed to a doctor office in the same building I work stating I owe for a loan I never applied for. The the has everything wrong except my name and job. A email listed job phone number and fax. My bank account was compromise a few ago when my purse was stolen so I closed the account and had to replace all my belongings that was in there. I did the company I was a victim of identity theft.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. When I attempt to login to Cavalry 's website and see what this is about I get an error message saying I need to contact another company. Meaning Cavalry no longer has control of the alleged debt : yet it is still reporting. I have received no communication from the other place which is alarming to me.