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

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. Its my understanding that Credit Bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Incomm was supposed to have sent me a check for the amount of {$170.00} for a previous dispute I filed with the cfpb about a vanilla prepaid gift card I was never ever to use. They kept the funds. This supposed check was mailed out XX/XX/2023 from what a representative with their company told me. They also told me to allow 3 weeks which was the XXXX of XXXX. They have closed the case without supplying me with any relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hi, I am reaching out about the following information provided below. The items listed on this document that have been reported on my credit is incorrect. This information needs to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the inaccurate accounts and inquiries that were reported on my credit report. I appreciate the help. Thanks in advance. 
Ive noticed these problems on XXXX, XXXX
Product: Debt collection

I was living in XXXX XXXX before XX/XX/2023 I cancelled my membership with XXXX XXXX XXXX in-person. He said you good to go. However they still charge me. I called my bank to put a stop for XXXX XXXX Now they send me collection. This should be illegal.
Product: Credit card or prepaid card

I was sent a pre-approved card from Capital One Quicksilver. I applied, was accepted and asked to provide ID, Drivers license and proof of residency, which I did via email. They sent my approval notification and I was given a credit limit. I notified the company that I would be out of the country, where and how long. I decided to use the card for all expenses. I purchased a few items and the hotel had charged my card with a {$200.00} hold. When I got to a discount store, my card was declined. I called Capital One to ask what the problem was and was told that I needed to re-submit my picture ID, Social Security card, and proof of residency. I informed them that I had already submitted my ID and proof of residency but would no send anyone my SS card. I was told that the card would remain suspended until those things were received because they wanted to make sure that I was indeed the person who applied for the card!. I explained that I was out of the country and depended on that card to pay for my expenses and asked them how was I going to survive without the card that they initially approved. The response was, " we will not reinstate the card without those 3 items and when you send them, we will wait 7-10 business days to decide whether we will re-activate you card. '' I suspect fraud by Capital One who approved me for credit and then decided to decline my card stating they needed to know if I was the person who applied, actually seeking more personal information for other purposes. They left me destitute in a foreign country! And had the audacity to send me a statement for payment by XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems LLC calls me every day for the last 10 years to collect a debt owed by XXXX XXXX. I do not know who she is except that she had this phone number before me. I got this phone number XXXX years ago and I have told the caller over and over XXXX XXXX is not at this phone number. I have called their number back and told them XXXX XXXX is not here and is not me. I have blocked their phone number on my cell phone but they are still able to reach my voice mail and leave me a message. they do this every day. i can't get my normal voice mails because they fill my mail box with their messages. their phone number is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have Fruad account appearing on my credit report.
Product: Money transfer, virtual currency, or money service

I sent XXXX money transfers to XXXX XXXX XXXX XXXX for XXXX vehicles that I had purchased. The first was sent on XX/XX/2023 for XXXX. The second was sent on XX/XX/2023 for XXXX. The name of the company was XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 

I sent the money from my XXXX XXXX account to their Bank of America account. The bank of america account number XXXX with routing number XXXX reference number XXXX. 

After being suspicious of fraud I called XXXX XXXX within XXXX hours to report the fraud.I also called Bank of America and they were no help in this matter and said they couldnt do anything about it. I also filled out an XXXX form and the FBI was notified. I have yet to hear back from anyone. XXXX XXXX VA XXXX XXXX was also notified and they said they have received numerous calls about this company for a week but yet this company still were online and selling the cars. 

The company had all the pictures, videos and titles of each car on their lot. I was sent numerous pictures and videos of the cars and even talked to him on the phone numerous times. 

The claim numbers from the bank are XXXX and XXXX. 

If there is anything else needed please let me know I have the whole conversation on text.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : EQUIFAX Collection : XXXX XXXX : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I got an alert stating my credit score went down XXXX because I applied for new credit cards in XXXX and again in XXXX. I did not apply for any credit cards in XXXX or XXXX of XXXX. I also had a fraud alert put on my accounts because in XX/XX/XXXX I was robbed- all of my personal IDs and passport and phone were stolen while in XXXX. I had a fraud alert put on everything.
Product: Debt collection

I HAVE ATTEMPTED ON MULTIPLE OCCASION TO DISPUTE THESE FRAUDULENT ACCOUNTS NOW LISTED ON MY CREDIT REPORT AS A COLLECTION ACCOUNT. TODAY I FILED A POLICE REPORT TO TRY AND GET SOME HELP. THE BUREAUS WILL DIPUTE ON MY BEHALF AND THEN RETURN DEBT BACK TO ME WITHOUT ANY EVIDENCE THAT I OPENED THESE ACCOUNT. THEY APPEAR TO HAVE BEEN OPENED ALL AROUND THE SAME TIMEFRAME. 

XXXX. EASTERN ACCOUNT SYSTEMS - {$270.00} ACCT # XXXX XXXX - XXXX XXXX XXXX - {$430.00} ACCT # XXXX XXXX. XXXX - XXXX XXXX XXXX  - {$1600.00} ACCT # XXXX XXXX. XXXX XXXX - {$5500.00} ACCT # XXXX XXXX. XXXX - {$4400.00} ACCT # XXXX ( THIS APPEARS TO BE A LOAN )
Product: Credit reporting or other personal consumer reports

im filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my reports despite my submissions. they respond within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act. Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX My Date of birthday is : XXXX XXXX. 
My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Accounts : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : - Original Balance : {$1500.00} Date Opened : XX/XX/2021 Errors : XXXX-Why is the Balance Histories not reported?, Why did XXXX delete it?, Now it is even more incomplete, Is it supposed to be reported month after month?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month in Experian, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it?, Fix and provide all this months in the Balance Histories in Experian or delete the entire account. 

XXXXWhy don't the XXXX payments I made of XXXX appear in the statements you sent? I attach proof of the payments I made.XXXX  continue to report false, misleading and inaccurate information If you are unable to comply with Regulation V and comply with the FCRA, why do you continue to report an account that you are unable to correct and report accurately? 

Provide experian with a Balance History for all months or delete the entire account. 

Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

Dear to whom it may concern : I recently pulled up my Transunion report and I noticed a derogatory remark on there. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( XXXX ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( XXXX ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( XXXX ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 15 days to respond to this matter. 

Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Original Creditor : XXXX Account Number : XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the elimination of any incorrect accounts from my credit report. Can you verify the documents? Some of the mentioned accounts display inaccuracies in terms of reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

In XXXX, my wallet was stolen from my vehicle ( a police report was created ). In XXXX of XXXX the id that had been stolen was starting to be used to create lines of credit. I did not use this ( because I'd gotten a new id ) or authorize this. The lady who had stolen my identity has gotten an apartment, car, insurance and lots of lines of credit, in my name. I made another claim in my XXXX XXXX XXXXXXXX, Tx for identity theft. When a car was gotten in my name and I let the dealership know that it wasn't me who purchased that car ( I also let the lender, XXXX XXXX XXXX, know ), he filed a police report in XXXX, Tx because that's where his business is located. ( She is still driving around in that vehicle and going through toll roads and I'm getting the bill. ) When she got insurance on the car, she put herself as an additional driver, XXXX XXXX XXXX. She has continued through XXXX to get forms of credit in my name. Although my credit is still in good standing, I'd like the hard inquiries that she's accrued to be removed. These accounts are 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  and both of the XXXX XXXX hard inquiries on XX/XX/XXXX. I'm now trying to get the other bureaus to comply. I've sent certified letters ( with what I was wanting, police reports, their credit reports with items highlighted ) ; they received them XX/XX/XXXX. I've uploaded things to their portals to dispute these items. XXXX had first told me that I needed to call the creditors and have them remove these items. I called several of these agencies to be told time and time again that it's the bureaus responsibility to take them off. I'm so sick of getting the run around. This girl is ruining my life and I'm the one who has to jump through hoops to fix her nefarious acts of criminal activity!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent complaints to the CFBP and XXXX about some entries on my Experian report. The companies are XXXX XXXX and XXXX XXXX. Both of these companies responded that these tradelines will be removed from my Experian report. I have attached both responses from both companies. Please read the responses in entirety. Please remove both companies from my report as soon as possibleas this is hurting my ability to obtain financing for a new house.
Product: Checking or savings account

I cant describe the dates, because it happens often. So I would make an online purchase of any kind and immediately the funds would be taken out my account than days later the same amount will be deducted out my account. I would call the bank and they would say the funds wasnt immediately removed when indeed it did. So this would go on for bout a year now I barely use my NAVY FEDERAL ACCOUNT I use another bank I have and I no longer have late fees or double pay for things I know the account immediately removed.
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 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : 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 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.

I want all accounts removed immediately!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an item for {$1200.00} from a private seller using paypal 's " goods and services '' service, which promises protections from scams and fraud. Immediately after the transaction, a dispute was opened under my account claiming that the item had not been delivered. The dispute was closed XXXX minutes later. I did not file this dispute. It is my belief that the seller exploited a security flaw in paypal and posed as me while opening and closing the dispute ; I have no way to prove that, but I know that I didn't open it. 

The seller provided me with a tracking number with a delivery date of XX/XX/XXXX ; though the tracking number shows the item as delivered, no package arrived. When I contacted the seller, he blocked me and deleted the listing. 

I then contacted paypal and tried to file a dispute. After XXXX weeks and nearly XXXX hours on the phone, I've been told that as the initial dispute was already closed, another dispute can not be opened and that once a dispute is closed no protections apply. This despite the fact that the initial dispute was only opened and closed due to a paypal security flaw. When I explained this to the fraud department, I was told that their internal records showed that the dispute had been opened from my account, and that nothing could be done.
Product: Prepaid card

This is my XXXX claims with cash app. My card was used for a purchase for XXXX on XXXX XXXX for a cleaning product from lifesuny a company on XXXX, I co faced XXXX, the company lifesuny And no one had an answer. I filed a dispute with cash app citing never received goods or services they sent me back a message saying that they received valid information from the vendor that proved the charge when I asked for it its just a print out showing the transaction. I am filing a complaint with the XXXX  but by and the fraud company but I still dont even remember making this purchase but cash app refuses to refund me. I never got the product, they never shipped me anything and the vendor wont respond to my emails so how did they provide cash app proof? They didnt and you will see that there is no substance to this transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I disputed XXXX with Experian and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Experian not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!
Product: Credit reporting or other personal consumer reports

I am writing to VEHEMENTLY REJECT YOUR DECISION to decline my identity theft claim. I question YOUR AUTHORITY AND LEGAL STANDING TO DETERMINE WHETHER I HAVE BEEN A VICTIM OF IDENTITY THEFT OR NOT. You lack the requisite expertise or jurisdiction to make such a claim on my behalf. Should you persist in denying my position, I want to make it ABUNDANTLY CLEAR THAT I AM PREPARED TO ENGAGE LEGAL COUNSEL to pursue a legal remedy. I insist that my identity theft claim be processed meticulously, in strict adherence to the letter of the law. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX