23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax responded to this investigation in a letter dated XXXX/XXXX/2016 Confirmation number XXXX. They are still claiming this account is a valid debt, and will not re-investigate any claim regarding a dispute to these accounts unless they receive relevant information to support my claim. Obviously they did not verify any of this information. I have provided sufficient documentation to have this account removed since the date listed on to their offices directly, and to date this account still remains on my credit report. This account being disputed is now listed as XXXX ... ( which is this exact same account that I disputed in this case ) as a negative item. 

They claim they have validated this debt, however per CFPB complaint number XXXX, and cfpb complaint number XXXX : I want the method of validation they used to obtain proof this is a valid debt and/or the deletion of these accounts from my credit reports. I have spoken to the original creditor and have a printed response from JPMCHASE which was attached to the original dispute in your office stating they no longer owed or controlled this account. I specifically wan the name and phone number with the extension of the person they spoken to. I will not accept and do not want any verification of these accounts through a third party or database, because it should not be there.
Product: Debt collection

I learned of a debt with Chase Bank on a credit card that was totally made by my estranged/then ex wife over XXXX years that I did not even live at the address the billing was going to. She forged my name and used my SS number and information to open the card and I never had a card on the account. I stopped living at the address the billing was going to in XX/XX/XXXX. On XXXX XXXX, XXXX she sent me the bill in the mail during the pendency of our divorce and told me to pay it. She also changed the mailing address for the billing and the phone number to mine at that time. On XXXX XXXX my court order for divorce clearly made the bill not mine and hers and she was told to take my name off the account. Which she has not done as yet. The FTC was contacted in XX/XX/XXXX on this Fraud, Chase Fraud department was contacted many times and sent copies of the court order, The local State Police had the fraud complaint filed with them, the NYS AG had the fraud complaint filed with them. 
All of this documented and on record. And my credit file says disputed and called fraud as it was. I am waiting to go to court again with my exwife to enforce the court order as we speak. 
At XXXX on XX/XX/XXXX I received another harassing phone call from a girl at Chase Bank threating me that " I will never be able to get a loan again for less than 6 % because of this card ''.
Product: Checking or savings account

I receive a letter today ( XXXX XX/XX/2018 ) dated XX/XX/2018 thanking me for my request to open a new Citibank account. I did not apply for this account and don't want any financial service from Citibank. This was a fraudulent application. Please see the attached scan of the letter ( XXXX XXXX - Citi Bank XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Account opened with XXXX on XX/XX/XXXX. 

Account closed on XX/XX/XXXX. 
Upon closing the account at the XXXX XXXX Store, I paid {$340.00} ( the last month payment for two lines XXXX and XXXX ) and returned all hardware to XXXX XXXX. The location of this store is XXXX XXXX XXXX. 

After XX/XX/XXXX, I received charges for {$460.00} ( for XXXX ) and {$170.00} ( for XXXX ). I contacted XXXX XXXX with XXXX ( XXXX ) multiple times via email to explain these charges were wrong because the account was closed on XX/XX/XXXX. I included the XXXX  because I required further assistance to try to communicate my issue. Since I did not hear from XXXX, I assumed the matter had been solved. 

At this time, XXXX has an incorrect request for the amount of {$1000.00} because I should only be charged for the services up to XX/XX/XXXX. This amount has been sent to sunrise for collections and affected my credit score. I have made this request with XXXX on XX/XX/XXXX with XXXX ( XXXX ). 

I would like XXXX to only charge me the final month of the phone usage, remove the charges after XX/XX/XXXX and remove me from collections. I would like to ensure my credit score returns to its primary state.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX 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: Credit card or prepaid card

XXXX 's card was sold from XXXX to XXXX 's, and I wasn't able to get online access and had no paper bill sent. XXXX 's took {$150.00} from a previously scheduled autopay with my old bank ( XXXX  ) which I had no ability to change once it went over to XXXX 's on XX/XX/23. This auto payment which I never authorized with them overdrafted my account and cost me a {$18.00} fee. I called them and they were able to set up online access as of today XX/XX/23, and the initial rep said they can help me reverse the unauthorized payment and take instead the minimum due, but when I was transferred the lady said they couldn't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( redacted ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, Equifax, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.
Product: Credit reporting

I have several inquiries on my credit report from XX/XX/XXXX through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do n't even know what some of these are?? Please let me know what I need to do. Thank you.
Product: Debt collection

The original creditor and account number is listed on my credit report as XXXX XXXX/XXXX with a first reported date as XX/XX/XXXX partial account and sold to PRA.

The same partial account number appears with Portfollio Recovery Associates ( PRA ) as the debt collection acency with a different first report date as XX/XX/XXXX and XXXX XXXX XXXX XXXX as the original creditor. 
I disputed with XXXX XXXX and Portfollio recovery associates with so far no change to my credit report. I read this is called re aging by the collection agency and is a violation of the Federal reporting agency. I do have copies of my credit report with both items and date listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 USC1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has r4easonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XXXX Balance : {$380.00} XX/XX/XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXX/XX/2022
Product: Money transfer, virtual currency, or money service

Permanent deletion of Venmo account after verification of identity due to violating company practices. They are holding funds that were in my account for up to 180 days for loss prevention purposes they say. I only had 1 transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021 XXXX with drawed $ XXXXI called and demanded my money back. They had no business with drawing any money on expired debt card XX/XX/2021 was the expired date. That's 7 months ago.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of CFPB lawsuit highlighting significant issues with the platform despite using Zelles numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds is impossible and that tracking these transactions was infeasible the CFPBs findings indicate that Zelle has not only neglected to protect its consumers but have allowed repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I noticed an unauthorized inquiry on my XXXX credit report dated XX/XX/XXXX by XXXX XXXX XXXX
Product: Checking or savings account

My account was hacked (? ) ON XX/XX/XXXX and I called and reported it. 
They froze my checking and savings accounts for 10 business days to investigate. 
I also reported this to XXXX Florida police department and was given a case # by Officer XXXX and she came out and spoke with me and looked at my account with me. 
I then went in to Sun Trust branch on XXXX and was never treated so rude and disrespected. I ask to speak with the manager and was told no. 
The payment they paid was not authorized by me and it has magically disappeared. 
I don't know if this is an inside job by someone embellishing money or if there really was a hacker. 
They have charged me so many fees, some of which reads no explanation given for XXXX dollars. 
They also returned a check and charged me that wasn't suppose to be paid until XX/XX/XXXX. 
I am a XXXX year old woman try to live on Social Security and have been given the run around for weeks now. 
I had XXXX cents to live on and had to take help from my daughter and friends. 
I need this resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX and Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )
Product: Debt collection

This whole ordeal started when I decided to pull my credit report to learn about what was being reported on me. I noticed a lot of accounts on my report that did not belong to me. I immediately froze my report and begin to work to get accounts removed. I contacted XXXX on a number of occasions to have this account removed and was advised it was turned over to Diversified Consultants. I contacted Diversified Consultants who disregarded the fact that I've never held an account with XXXX, they advised the only way they would remove the account was to pay. I was transferred to a manager, XXXX, who advised I could them and the account would be removed. I made payment out of my checking account on XX/XX/2018, afterwards I was told I would receive a letter and that the account would be removed since it was not my account. This was and is the only collection account on my credit report so I felt in order to avoid the headache of fighting to remove the account I should just pay it since they agreed to delete the account. After the payment cleared my account, I call several times and asked for them to email me the letter they promised to send and advised them that the account had not been deleted as promised. Instead of deleting the account, they updated the account to show it was opened in XX/XX/2018 which is completely false. They took my money and affected my credit far worst than before. I contacted XXXX who confirmed I have no balance owed to them and they advised they have no control on what Diversified reports but they did advise they would request them to honor their promise to delete this false reporting.
Product: Credit card or prepaid card

I checked my credit report and saw a card I was not aware of on my report. I called and Dillards said that someone had opened an account with my social security number. They are closing the card. I am submitting this complaint because it was not clear if the card would be taken off my record and I want to make sure that happens.
Product: Credit reporting or other personal consumer reports

am writing to request the removal of unauthorized credit inquiries on my credit report. My latest credit report shows credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights.

This account is not my account and he listed on the Police department as fraud account.

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 instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts identified as fraudulent due to my victimization in a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to this action to protect my credit report from unauthorized and fraudulent information.

The following accounts have been flagged as fraudulent and require immediate action : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}