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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX to XX/XX/XXXX and the amount of {$650.00} from cashapp and XXXX the amount of $ XXXX from chase, I was not provided with any help or money back from them and my accounts got closed without any hesitation or care at all.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} XXXX Medical XXXX Balance Owed : {$65.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXXXX/XX/2022 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Dispute Resolution Team, I am writing to dispute the accuracy of information regarding an account on my credit report. I previously disputed this account for accuracy, and it was verified by your agency. However, upon reviewing my credit report, I have noticed a discrepancy in how this account is being reported to different credit bureaus.

Specifically, the account in question is being reported as " closed '' on one credit bureau 's report, while it is being reported as " open '' on your credit bureau 's report. This inconsistency is concerning and has the potential to negatively impact my credit score and financial standing.

I urge you to investigate this matter thoroughly and rectify the discrepancy in the reporting of this account across all credit bureaus. It is imperative that accurate and consistent information is provided to consumers to ensure fair and transparent credit reporting practices. 

Please provide me with an update on the status of this dispute and the steps being taken to address this issue as soon as possible. I appreciate your attention to this matter and look forward to a prompt resolution. 

Account name : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have called Experian numerous times. The last person that i spoke with was a gentleman with the name of XXXX, which he provided. I asked to speak with a supervisor. When I asked to speak with a supervisor, he got defensive and asked why. When I didn't give him the reason, he kept me on hold for over 30 minutes and sid there was no supervisor available. Simultaneously, while on hold with XXXX, I called in to Experian from another phone line and asked for a supervisor and was given a supervisor within 5 minutes of the call. 

I called in because I had questions about my credit report and how to navigate the website. Instead of walking me through it, XXXX simply gave me a date. When I asked where he got that date, he got very defensive. I think he simply gave me wrong information and grew impatient when he couldn't show me where he got the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and TransUnion. Thank you!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called to request an update to my credit dispute filed with Transunion regarding XXXX late payments. I called Transunion today at XX/XX/ and spoke with Transunion representative XXXX. He looked up the dispute and told me that the XXXX dispute was investigated and Transuinion determined that in fact XXXX should not have marked my account late for 4 months and that as a result Transion deleted these late marks on my credit report. I thanked XXXX for providing the information. He also said he will send a copy of the report in the mail. Transunion 's system has been very slow and I've been unable to get a credit report online, which is why I called XXXX. After hanging up with XXXX, I tried to again pull up the online report and miraculously, it worked. However, to my surprise, Transunion never actually updated my report as XXXX promised that they did. All 4 months still show late for XXXX as they originally did despite XXXX confirming that Transunion investigated and confirmed they should not have been marked late. Transunions continual inaccuracies and incorrect information is plaguing my credit report and making it so very difficult to get update and accurate information that I am unable to appeal and don't know the proper steps because they simply lie to get out of doing their due diligence. Please hold Transunion accountable for their habitual and willful neglect. Thank you kindly.
Product: Payday loan, title loan, or personal loan

I have a auto-pay account with Capital One { ne of several accounts with Capital One } account that I have a problem with ends in XXXX. I open this account awhile ago and did not make any for about 2 years. Balance due on XXXX, XXXX, 2020 was {$2600.00}. On the XXXX, statement Capital One claimed I owed a additional {$8100.00}, I called several times and could not understand how the payments could be that high since I made no purchases, Capital One now wants {$520.00}. My credit has been ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.
Product: Debt collection

I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work.
Product: Credit card

Moved XX/XX/year> from XXXX to XXXX. I changed address on my online account page. Fraudulent charges occurred for under {$2000.00} in multiple states all across the country. I phone Citibank, a new card was issued. It never came though. I called every week, and checked to make sure my newest address was on file. Every call, every week this happened with the same response -- just wait for another 4-7 day -- -over and over. The customer service agent could barely speak English and I dared not to ask for a fluent English speaker. You know, the racist thing. So I just kept banging my head against the wall and repeating the same inquiry. 
I was told that the mailman must be stealing the card. Please help. It's not been over 2 months into this nightmare, hours on the phone, on hold or waiting for them to do something, escalate the issue. But nothing has happened. They refused to vary from the script... ..Just 4-7 days and magically a new card with appear. I can no longer See my CD account online, it has matured and I need to roll it over or change the account type. My " settings '' in my profile are now frozen. Please help.
Product: Credit reporting or other personal consumer reports

I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX ACOOUNT NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX  Account number : XXXX Please remove account. 

Original Creditor : XXXX Account XXXX : XXXX Please remove account. 

Original Creditor : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXlease remove account. 

Original Creditor : XXXX  Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO XXXX DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Product: Debt collection

XXXX XXXX XXXX To Whom It May Concern : Portfolio Recovery Associates XXXX LLC/XXXX  XXXX XXXX XXXX XXXX, XXXX, VA XXXX Remove/or verify account I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair credit Reporting Act ( FCRA ), 15 USC 1681970 credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in lending Act ( TILA ), 15 USC 1601. It's is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Bellow are the details of the disputed accounts : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX -- --
Product: Consumer Loan

I took out a loan on a car. I was the primary and my mom was the cosigner. Due to finacial setbacks she missed several payments on the loan and it was repossessed. I was not given an option to pay the total missed payments. I was told the car was sold but not for how much. The company sent the bill to collections but i thinks it was for the total amount. We moved several times and the collection agency started to garnish my moms check. She changed jobs and they still did not get in touch with us.the collection company has now started garnishing my wages. I am a single mother and they are taking XXXX dollars out of my check every 2 weeks they have agreed to decrease the garnishment but only to XXXX dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX breach, and the black market, I need these to be removed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}
Product: Credit card

I recently took advantage of a suggestion off of XXXX to rebuild my credit. I made application with First Progress for a secured credit card. 
They took {$300.00} out of my business checking account in XXXX. I have called and asked for the funds to be returned as I never received the credit card. They said they would refund but they never have. They also took {$200.00} out of my daughters bank account and she never received the card. ( SEE COMPLAINT # XXXX with your office ) There appears to be a pattern of fraud, deception and embezzlement. 
XXXX should also have some liability in this as they are featuring this entity as a go to bank to rebuild credit or get first credit.
Product: Credit reporting or other personal consumer reports

For my XXXX XXXX credit card, the agency reported 100 % on time payments with XXXX to XX/XX/XXXX, XXXX XXXX XXXX late payment with experian, and no reporting past XX/XX/XXXX and XXXX XXXX XXXX late payment in a different month with transunion-no reporting past XXXX as well. 

There are a lot of inconsistencies and I've never even used this card, it only had a {$100.00} limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in the amount of {$370.00} XX/XX/2018, which I believe to be a fraudulent account is showing up on my credit. I was never informed of this account before it illegally showed up on my credit report.
Product: Money transfer, virtual currency, or money service

I was contacted by a person who wanted to purchase a XXXX I had posted on XXXX and he asked me to please request the money through paypal which I did, shortly after that I started receiving emails from paypal service with instructions on how I should send package and that money was in my account waiting for me to mail out package so they can give me credit on my account, I went ahead and mailed package as instructed and sent them verification as instructed in emails, however it was all a fraud, I am not blaming paypal for the fraud but I have contacted them on XX/XX/XXXX and XX/XX/XXXXand requested for them to investigate who this person is, they must have an account with Paypal and they have not even tried to help me with this situation, I am out XXXX and they do nothing to stop this person by shutting down this account so he is not able to do this to other people, I sent the emails the buyer sent me and they tell me they are not fraudulent? so then where is my money??
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a copy of my credit report and noticed alot of inaccurate information on it. I disputed the information and the Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received a debt collection notice from CMRE Financial Services , inc for a clinic visit to XXXX XXXX XXXX on XX/XX/22. XXXX XXXX XXXX had never called, sent an invoice or any correspondence regarding this visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDXXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX , and XXXX  XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2019 CitiCards closed my credit card that I've had for over 13 years without warning or notification. 

I called and spoke with their customer service team and they let me know that since I hadn't used the card for two years their policy is close the card. 

They would only let me reapply by running my credit again to open a new card, but they gave me no reassurance that it would be the exact same account number. 

It made no sense to me why they couldn't accommodate my request to just reopen the same card.
Product: Checking or savings account

Two separate deposits to my PAYPAL account were placed on an extended hold without prior notice. 

One transaction was placed on a 21 day hold, because PAYPAL suddenly decided I was a " New Business '' even though I was not a new business or even a business. There was no previous warning when i had deposits to this account. 21 days is a random and extended amount of time to withhold funds. The sender sent this money on XXXX XXXX. Paypal further told me that the person who sent the funds could " complete '' the transaction by approving on her end, however she has no such ability to do this as it is not offered to her and Paypal is lying about it. 

The second transaction is from a person who sends funds on a regular basis and Paypal put a 10 day hold on it because they said it was a check or paid from a checking account. 

This is ridiculous, as banks aren't allowed to hold funds for that long.
Product: Checking or savings account

In XXXX of 2023, My pension amount of {$240.00} stopped coming to my Bank, which was XXXX XXXX  at the time. XXXX XXXX  XXXX with US Bank. So now my Bank is US Bank. The problem is since this merger I have had trouble receiving my pension amount from XXXX XXXX XXXX which is where the amount of {$240.00} was supposed to be coming from to be deposited into my bank account. US bank claims they are not receiving these funds anymore, yet I am still receiving direct deposit summaries from the XXXX XXXX XXXX. So the Bank no longer has my money they claim, and XXXX continues sending receipts that its being deposited somewhere because they are sending monthly deposit summaries. I continue to receive from them with the amount of {$240.00}. I have tried to resolve this with XXXX XXXX  and with XXXX, but the same thing continues to happen with me not receiving my pension payments. Neither party is taking responsibility and acts as if its my fault and continues to say the same thing and that is US Bank claims that they are not receiving anything from XXXX and XXXX continue to send Direct Deposit Summaries.In XXXX, I have requested that XXXX start sending my pension funds directly to me, but so far, I havent received my pension payments. XXXX states that they are sending my payments to Money Market Retirement : XXXX : XXXX XXXX XXXX, Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX is the correct Bank number address, but they must have gotten confused because I told them the name of my bank is US Bank XXXX NOT Money Market Retirement.