23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter to XXXX, to validate a debt that was placed on my credit report. I did not receive any response back. In XX/XX/2021, I sent them a follow up letter stating that the alleged debt was expired and to remove this off my report. Still no response. In XX/XX/2021 I sent Experian a letter to validate this debt and I still have received no response. Its been over 180 days of non communication from either party and it needs to be removed off my report
Product: Credit reporting

Transunion refused to give me my free credit report. They claimed I had already received one in the previous 12 months. I have " requested '' it - first online - then by certified mail - with a letter explaining I had NOT received their credit report and if they HAD issued one in the previous year it would indicate identity theft. Still they refused and mailed me letter saying I could receive my credit report if I pay the amount of {$11.00}. I did receive my free credit reports from XXXX and XXXX no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXX I disputed the date of first delinquency reported for a XXXX XXXX XXXX in my Equifax credit file. Equifax alleges they conducted a ( re ) investigation and returned the results on or around XXXX XX/XX/XXXX. The results claim the date of first delinquency was verified as accurate by the data furnisher, XXXX XXXX XXXX. However, on its face this information is false because XXXX XXXX response to CFPB complaint XXXX, dated XXXX XX/XX/XXXX, make clear " Our office did not mail billing statements during the time-frame of XX/XX/XXXX, through XX/XX/XXXX, billing statements were suppressed while the loan account payments were deferred. '' Moreover, the same XXXX XXXX response goes on to state for XXXX : " A disaster forbearance was granted from XX/XX/XXXX to XX/XX/XXXX. '' Thus, the account was in forbearance prior to XX/XX/XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX and there would be zero ( 0 ) delinquencies for this account if unpaid until after XXXX XX/XX/XXXX, which was the due date of the first bill after the deferment ended. Therefore, the derogatory narratives alleging the account was 90 - 119 days past-due, and the alleged date of first delinquency of XX/XX/XXXX. Given the above quotes are taken from XXXX XXXX own responses to CFPB complaints, information supplied by XXXX XXXX directly, XXXX XXXX knows and/or has reasonable cause to believe this information is inaccurate, but has opted to forego changing the patently false information it is supplying to the XXXX and has instead chosen to allege the information is " accurate. '' This is the epitome of willful negligence. This sort of behavior is unfair and unlawful and defamatory. If XXXX lacks the fortitude to do what law requires, ie. to cease reporting false information, it is incumbent upon the CRAs to provide relief by deleting the account/tradeline from my credit files and/or or removing the false date of first delinquency and false payment status.
Product: Debt collection

I believe I am a victim of identity theft because someone stole my social security number. I'm dealing with unauthorized cosigning on car loans affecting my credit report. There are currently several cars registered to my name showing as property without my knowledge nor permission to be put on lease. XXXX mentioned XXXX and the parties responsible however, I'm unable to track the others. Credit bureaus refusing to help regarding this matter. XXXX XXXX XXXX XXXX could potential lender. I filed a police report as well to get this investigated. 

Please assist! Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are several fraudulent accounts being reported to my credit report that are not mine. I've never had accounts with these creditors, and never authorized anyone to open accounts with these creditors. I've tried multiple times to dispute these accounts to no avail. 

XXXX XXXX Date opened XX/XX/XXXX {$140.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Date opened XX/XX/XXXX {$190.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Date opened XX/XX/XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX XXXX Date opened XX/XX/XXXX {$1000.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX {$6900.00} -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX {$1400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a problem with Transunion Credit Bureau 's investigation into an existing problem. To explain, upon request for free copies of all three credit reports via XXXX  XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX  did appear on more than one of the reports. Thus, XX/XX/XXXX via certified mail, I notified Transunion, XXXX, and XXXX  Consumer Reporting Agencies regarding an item reported by creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Because the first delinquency reported by XXXX occurred seven years ( 7 ) years prior, more specifically, XX/XX/XXXX, I did provide a copy of a previous Transunion Credit report dated XX/XX/XXXX, and a previous XXXX  report dated XX/XX/XXXX which verifies my claim that the first delinquency reported by XXXX was in fact XX/XX/XXXX as noted on both credit reports. Therefore, I requested that the account be deleted per the statute of limitations. On the positive side, an investigation was conducted by Transunion, XXXX, and XXXX  and the results were mailed to me. Notably, XXXX  and XXXX  Credit Bureaus deleted the item ; however, on the negative side, Transunion did not remove the item. Moreover, Transunion verified the item as accurate. In addition, the report shows that the account will remain on my Transunion file until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error ; ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/201XXXX XXXX XXXXXXXX Balance : {$120.00} Date Opened : XX/XX/20XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00}
Product: Debt collection

Pinnacle Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting

Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to Experian they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and Experian, I never received any confirmation from XXXX on the status of the 7 year fraud alert.
Product: Prepaid card

On XXXX XXXX, 2015 I attempted to add {$500.00} to my XXXX REDCard by American Express. I used my debit card and was presented with a receipt showing the {$500.00} was loaded to my REDCard. Immediately after my receipt was another receipt showing that the transaction was cancelled. The receipts have matching receipt numbers and it stated " We 're sorry '' This transaction ca n't go through right now. Please try again later. '' I was assured by the customer service rep that my Debit Card had not been charged. Upon checking the debit card balance I discovered that I had been charged {$500.00}. I checked my REDCard balance and the {$500.00} had not been added to my account. I waited several days assuming it was a computer glitch and that the funds would be returned to my debit card. The funds had not been returned to my debit card nor added to my REDCard by XXXX XXXX, so I called the American Express customer service number for the XXXX REDCard ( XXXX ) to file a dispute for my missing {$500.00}. I provided all of the pertinent information and was told they would investigate the matter and would be contact me if they needed additional information. I called again on XXXX XXXX and XXXX XXXX. I was told that the investigation into the dispute could take up to 45 days and that I would be contacted if they needed any additional information. Today is XXXX XXXX, 2015 and I have yet to hear anything from anyone at American Express/XXXX concerning my dispute originally filed on XXXX XXXX. I called this morning and was told that my dispute had been forwarded to the " Disputes Department '' and they would get back with me within 45 days. I explained that it had already been over 45 days since I filed my dispute and that no one had ever contacted me. I again explained that I was willing to provide them with a copy of my receipt showing that the transaction was cancelled. The customer service rep said that information would be very helpful but that there was nothing she could do since the Disputes Department does not return phone calls and they could only communicate with them via e-mail. I explained that this was completely unacceptable to me and I asked to speak with a supervisor because American Express had basically stolen {$500.00} from me and was no refusing to even speak with me concerning the matter. She understood my frustration and said she would get her supervisor to speak with me. She put me on hold for several minutes and came back on the line explaining that her supervisor was not available at the moment but should be very soon and then put me back on hold. In total I was on hold for over 15 minutes when they actually ( accidentally? ) disconnected me. I was prepared to call again but I realized it would do no good whatsoever because I do not believe they are taking my dispute seriously and are not prepared to return the {$500.00} they deducted from my debit card almost two months ago. I am filing this complaint with the CFPB in the hopes that the negative attention they receive for these deceitful business practices will cause them to act upon my rightful claim. Thank you.
Product: Money transfer, virtual currency, or money service

My husband and I own and operate a small family business in California. On XX/XX/year>, we became victims of identify theft and bank wire fraud where the attacker posed as a Citibank fraud prevention supervisor and called from the Citibusiness phone line and was able to gain access to XXXX of my bank accounts ( XXXX personal and XXXX business ) and send XXXX wires to XXXX different banks in Florida in a single day. They hacked my phone and had it forwarded to their number so that they could impersonate me and fraudulently authorize the wire transfers. My husband and I never received any phone calls, emails or text messages with any alerts. My wire activity in our accounts is minimal and never more than $ XXXX, yet Citibank allowed XXXX wires upwards of {$700000.00} to be drained from all three accounts in a single day. It's everything we have to run our small business and support our family of XXXX. I am working with Citibank to recover the funds and have filed reports with XXXX XXXX XXXX XXXX Department, XXXX, Federal Trade Commission, FBI and XXXX XXXX. Every day that passes the likelihood of recovering our life savings will diminish significantly. I am seeking any help that I can get. My family and I are devastated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has 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 a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was doing a withdrawal for XXXX $ ( cost after their transfer fee, originally was XXXX $ XXXX on XX/XX/XXXX. I got an email from binance.us saying to confirm the withdrawal. I then got an email saying it was successful. But the money never went through, never even left the binance.us account. I then tried the transfer again, on XX/XX/XXXX. Got the email to confirm and later that day it said it was successful, except this time the money was gone from my binance.us account. 3 days on later on XX/XX/XXXX got another email saying it was " successful '' again?? But still no money has hit my checking account. It is now XX/XX/XXXX as I write this and have no idea if im going to be getting my money back. I have tried contacting there support " team '' but no response still. They have no number to call as well only over email.