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

I am writing to request the blocking and permanent deletion of unauthorized inquiries from my credit file. I am a victim of a recent data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items removed from my credit report. 
The following inquiries were not initiated by me and should be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX, I tried to XXXX a family member {$1000.00}. However, the XXXX did not successfully complete as it usually does. Simultaneously, I received a text that said it was from Citibank, and to click the link embedded in the SMS message. 

On Monday XX/XX/XXXX in the morning at approximately XXXX, I woke up to grab my cellular device to make a call out to my family member. However, the call kept failing. I thought it was due to poor connection in my house, as my neighborhood experienced a power outage the night prior that occurred due to bad weather at XXXX, and XXXX XXXX XXXX  still had not been able to get power back on by the morning I woke up. That was when I drove to XXXX  to inquire why my phone still had no connection, and learned my phone sim had actually been deactivated all morning ( not by myself ) thus I was issued a new one. Once I got home in the afternoon, I was able to obtain access to my phone again and immediately logged onto my Citibank mobile banking app. That was when I saw that my checking account was overdrawn over - {$700.00} at that time, and my savings account had been completely wiped out. There were two unauthorized fraudulent wires. One for the amount of {$19000.00} to an account in XXXX XXXX. The second unauthorized wire was for {$40000.00} to another account for XXXX  XXXX XXXX. Both were unauthorized by myself, yet occurred that Monday morning around XXXX XXXX E.T. while my phone had been " deactivated. '' The same day ( Monday XX/XX/XXXX ) I called my bank 's specialist from the Citibank Fraud department, who issued a hold/block on my banking accounts to prevent any further fraudulent activity. I also drove to the police station which was closed, so the police were contacted and arrived to my house, taking photographs of the evidence/proof of the fraud activity provided through my phone. A detective contacted me the following day ( Tuesday XX/XX/XXXX ) to let me know my local Police Department and detective were assigned to my case. On Tuesday, I went to my local Citibank branch to complete an affidavit which was notarized for the unauthorized wire transfer and fraud that occurred, as well as the identity theft of the criminals who impersonated myself when they made an outbound call on Monday the XXXX to Citibank to impersonate me to authorize their wire transfer under my identity. Citibank is currently investigating and reviewing this fraud case, and the Affidavit is still being sent but will process on Friday XX/XX/XXXX through Citibank 's Incident Report Unit. I have also filed a case with FBI 's Internet Crime Complaint Center ( IC3.gov ). {$59000.00} was wired from my savings and checking account with Citibank, unauthorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNFAIR CREDIT REPORTING CLEARLY, XXXX   SIDES UNFAIRLY WITH BANK AGAINST CONSUMER. ( Conflict of Intrests. ) See attatched XXXX REPORT XXXX for XX/XX/2020. XXXX I DID NOT OPEN THIS ACCOUNT. THAT FACT SHOULD BE ENOUGH. I requested copies of XXXX License and written signature to open this account ** TO NO AVAIL. I provided ID THEFT case XXXX Report. XXXX DENIED A FIX REQUESTING PERMISSION FROM FURNISHER OF INFORMATION. UNFAIRLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX clearly stated that the potentially negative reporting account on my credit report was to be removed. This account is continued to be reported to my credit report. This account is also reporting inaccurate information. The credit bureaus have been taking over 30 days to investigate this. This violates my rights as a consumer in accordance with the Fair Credit Reporting Act. This continued negligent reporting has been harming my livelihood as a consumer.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from TransUnion confirming that the XXXX  XXXX XXXX account ( partial # XXXX ) had been deleted from my credit report after my dispute. However, when I recently updated and reviewed my credit report, I discovered that this same account was reinserted without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumers report, the credit bureau is required to notify the consumer within five business days of reinsertion. This notification must include the name, address, and phone number of the entity that provided the information. In this case, no such notification was provided to me, which is a clear violation of the FCRA.

Furthermore, this unauthorized reinsertion raises concerns about the accuracy of my credit report under 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. By allowing the reinserted account to appear again after its deletion, TransUnion failed to meet its legal obligations to maintain an accurate report and prevent consumer harm. Additionally, TransUnion has also disregarded my rights under 15 USC 1681i ( a ) ( 1 ) ( A ), which grants consumers the right to dispute inaccurate or unverifiable information. Once an account has been deleted following a dispute, the burden of proof lies with the furnisher or bureau to verify its legitimacy before reinsertion. In this case, no verification or explanation has been provided. This violation has caused unnecessary distress, confusion, and potential harm to my financial reputation. I am requesting immediate removal of the reinserted XXXX  XXXX XXXX account, a full investigation into why it was reinserted without proper procedures, and confirmation that the credit reporting agencies are adhering to FCRA requirements to prevent further harm.
Product: Credit reporting or other personal consumer reports

I was in the process of getting a mortgage in XX/XX/2023 when we discovered a charged-off account listed on my XXXX credit report, as well as a collection for said account. I started a dispute on the credit card account through XXXX as well as contacted Bank of America to get verification that the account was not mine. After XXXX phone calls with Bank of America , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas  address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through Bank of America , as well as a collection on my XXXX report that is affecting my credit adversely. XXXX did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at Bank of America did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I saw a credit inquiry from  XXXX  wireless on  XXXX / XXXX /  XXXX   that was NOT authorized by myself. I made contact in writing and by phone to  XXXX  explaining to them to investigate and delete from my credit report. They sent a letter back stating that they have no way of deleting and for me to make contact to the bureau and they will go about disputing. I made contact to TransUnion attaching the letter that was sent to me by  XXXX  stating to investigate the inquiry and delete because this was not authorized by me. I received a letter back from TransUnion basically explaining what a inquiry was with no explaination of what I sent to them. They did n't even acknowledge the inquiry at hand. And also telling me to contact  XXXX . I 'm being told by both parties to contact  one  or the another and no one is willing to take resposibility. This is unlawful and is against my fair credit reporting act. Letters attach.
Product: Credit card

My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. 
I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report XXXX File Number : XXXX ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Subject : Request for Removal of Inaccurate and Incomplete Information from Credit Report and Details on Dispute Investigation Dear Credit Bureau I am writing to formally request the removal of inaccurate and incomplete information from my credit report, as identified in my copies of my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 623. Additionally, I kindly request detailed information regarding the dispute investigation, including the evidence and documentation used in reaching a decision. 

Enclosed with this letter are copies of my credit reports from your bureau, highlighting the specific items in question. It has come to my attention that these entries contain inaccuracies and incomplete information that could adversely affect my financial standing. 

Under FCRA Section 623, it is my right to ensure that the information contained in my credit report is accurate and up-to-date. The presence of inaccurate and incomplete information can have a significant impact on my ability to access credit and financial opportunities. 

I appreciate the previous investigation into my dispute, but I request a thorough explanation of the evidence, documents, or information that led to the decision made. This includes the methodology used, the names of the individuals involved, and any correspondence related to the dispute investigation. 

Furthermore, I kindly ask that you provide the following documentation for each disputed item : 1. Copies of the original credit agreements or contracts with the creditors reporting the information.

2. Any supporting documentation or records used in the investigation.

3. Proof of communication with the creditors regarding the disputed information.

4. Any other evidence that contributed to the investigation 's conclusion.

Please ensure that this information is made available promptly and in compliance with the FCRA. I understand that credit reporting agencies are obligated to provide this information when requested by consumers. 

Please inform me of the results of your investigation and provide me with a revised copy of my credit report once the necessary corrections have been made. If you find that the disputed information is indeed inaccurate or incomplete, I also request that you inform all creditors who have received my credit report within the past six months about the corrections made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. Please notify me in writing of the actions taken and the outcomes of your investigation within the 30-day time frame required by the FCRA. 

Thank you for your assistance in resolving this matter, and I look forward to receiving the requested information. 

Sincerely, XXXX XXXX Enclosures : - Copies of my credit report with highlighted inaccuracies and incomplete information Please let me know if there is anything else I can do to expedite this process or if any additional information is required. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I took out a lease with this company. I set up a bank account with them to pay at the store. I set up a catch up plan which was supposed to take care of my past due balance and advised them to delete the other banking info because it was not the correct account. I was assured they would do that. I did not have the amount agreed upon coming out of my account so upon logging into their online portal I see that they have a bank account listed for a prior lease I had years ago with them that they were attempting to bill, not the debit card I provided or even the bank account i originally signed up with. They attempted to tell me that it was just the name of the bank was changed, not the account number. But they charged me numerous fees in relation to the wrong account getting billed that they refuse to refund, have reported it as late 30 days on my credit report causing my score to drop XXXX points. I also find that using an account for a prior lease is a gross violation of my financial information and they would not take any responsibility for this and seemed like they were trying to cover it up that they did not input the correct payment information after numerous customer service requests and then were trying to collect payment by whatever means necessary with an account that was not in the lease agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is NOT reporting a real estate account from XXXX XXXX XXXX XXXX, # account # XXXX. This account is 25 years old ; opened in XX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}.

After speaking with XXXX XXXX XXXX XXXX, they say they report to EQUIFAX every month, but this account is not listed on my credit file. The monthly bill is attached.
Product: Credit card or prepaid card

I have a Citi Prestige and I love my card. I travel frequently ( or used to travel before covid ) and my Citi Prestige is my trustworthy companion. Now, since I've had nothing but great service with Citi, I've been wanting to open a Citi Double Cash for the longest time. I remember when I opened my Citi Prestige I received a $ XXXX XXXX credit line, and I called to lower it to {$10000.00} since I didn't need that much. By the way, I've never been late on any payments, and my balance is zero. I checked my credit score provided by Citi from XXXX  and it is XXXX. I checked my XXXX XXXX from XXXX  today also and it is XXXX. I have a good paying job and always pay my bills on time. I applied in XXXX of XXXX for the Citi Double Cash and was denied. I didn't understand why, but thought maybe it was because I needed to expand my relationship with Citi. I applied again on XX/XX/XXXX and got denied. I called the number provided in the email, and a very nice gentleman explained me they just couldn't approve me, but offered no further information. Now, I'm not upset and I will continue my relationship with Citi because I trust them. However, it would be nice if somebody could look into it for me and realize I'm a good, loyal customer and see if I can either be reconsidered, or at the very least told what they're looking for in a customer who applies to a Citi Double Cash. This way I can set myself on a path to meet whatever requirements are needed.
Product: Debt collection

I was injured on the job and my company sent the claim on to a workman 's comp company which approved my claim. They paid some bills and then not others. After sending all the claim information to the hospitals and medical groups, there were still 2 outstanding bills that the workman 's comp company dragged their feet on and never paid. The medical providers eventually sent them on to collections ( against me ). They sent 2 claims on  to Grant & Weber. It took XXXX XXXX at Grant & Weber a year to send me my first physical notice for 1 of the accounts and then an additional 3 months later for the first physical notice on the second account. We have physically only received one notice per each account from them. My phone started blowing up with calls from unknown numbers ( no educated person would ever answer a call from a unknown number ), but never once left a message. Typical scam phone activity. My wife and I left MULTIPLE messages asking for a call back to get things figured out and taken care of. Also wanting to give them all the OJI information we had. My wife spent 2 full days trying to find out why the claims were not paid out initially and when they were sent to collections. We have NEVER received a call back. We have tried to talk to a " supervisor '' and left messages with the supposed supervisor as well. My wife even talked to the operator or secretary, whatever her title is and was told that XXXX XXXX usually doesn't get to the office until around XXXX and is usually gone by XXXX if not earlier. I finally was able to speak with him in person ... I asked him to speak with my wife as she had all the information regarding all the medical bills, OJI paperwork and was the one trying to get to the bottom of it. He told her he could see this was a workman 's comp case and she proceeded to give him all the info he needed and also emailed him the paperwork. He said it would take a day for them to " sort it out and get it to him '' as it all goes to a generic email address at the company. We asked for an update within a couple days ( both verbally and in the email ) to know that he received everything and he said he would get back to us. Unfortunately, he has not gotten back to us and we have once again left numerous messages trying to get an update XXXX will not call us back or answer his phone. I spoke with my company who wants to get this straightened out also but they can not get him to return a phone call. It is obvious XXXX XXXX and Grant & Weber , Inc. are not concerned with doing the right thing, they are just looking for some quick and easy cash. This now has been three months since speaking with him and getting the information and six months since we have received our first notice. We have done tons of legwork and have reached out to them repeatedly on an obvious OJI case but they will not do what is necessary on their end ( first of all returning our phone calls ).
Product: Debt collection

Jefferson Capital on behalf of XXXX XXXX has removed the same debt in mention below multiple times and then replaced the same debt owed by someone who is deceased back on my credit after Ive updated my personal information. This debt and those owed to XXXX unfortunately was obtained by the deceased, please remove accounts. There were 2 accounts for the same persons debt. This has had a negative affect on my credit report as i am prepping for home ownership. 


( Per prior removal- This complaint is a carry on of the other 2 complaints that i filed in XX/XX/2022 with cfpb about XXXX and XXXX XXXX in which the debt couldnt be found in either of their systems and verify the accuracy with original date of open on the contract with either Company, now Im receiving the same account just by JEFFERSON CAPITAL trying to collect the same debt as stated above. This debt isnt mine, it belonged to a deceased member. Also this account doesnt fit my current address or anything to verify as mine. Anytime i requested verification of debt actually belonging to me and not just opened in my name i never receive a proper response just about the debt matching my name and a random date to my current living address which has been for the past 3+ years and no Verizon information has ever been sent to me when the fraud happened, so incorrect date for the account opened because i didnt open such a account at my address. ) ( Prior response ) This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX debt that we acquired in her name, which is now associated with JCS Reference # XXXX. Based on the dispute, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Please allow sufficient time for updates to be reflected on XXXX XXXX 's credit report. Thank you for the opportunity to respond.