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

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX I paid an old debt that I had with my hospital in XXXX installments and was informed that this would get reported to the credit bureaus and have it taken off my report. None of this was taken care of and the balance still shows up on my credit report. I called the company listed below in XX/XX/XXXX and requested proof of payment as this had not been taken off my record and I would attempt to do so myself. I was informed that they would mail me letter proving my payment but this was never taken care of. My debt still shows as active on my Credit Report. I just called the company on XX/XX/XXXX and was told that I can not get a proof of payment letter but their word is that I have paid it off. 

My information is Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( was XXXX ) ( current XXXX ) Ref # : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

Citi Bank was collected more debt with charged extra interest on my CitiBusiness Platinum Select Card on APR 10.99 % to 20.99 % over 10 years, even if this Card had been closed since XXXX. And I had call and ask them to take a settlement for stop charge any more extra interest during this card closed, buy them refused and continuing to collecting the extra debt till I paid off last balance {$65.00} on XX/XX/XXXX. So, I want to claim Citi bank refund {$8000.00} as compensation.
Product: Credit card or prepaid card

On XX/XX/2023, my wallet was lost with my credit cards, ID and other personal information inside of it. I was not aware my wallet was gone until the next day when I noticed fraudulent charges on my card. I immediately contacted my bank to report the card stolen and the charges as fraudulent. They were very helpful at first and told me outright I would not be responsible for any charges that were made on the card that I did not approve of. There were 4 charges in total that I reported as fraudulent. The issue I am having now is they are refusing to credit one of the charges back to me. The information for this charge is below : Merchant Name : XXXX XXXX Amount ; {$710.00} Date of Transaction : XX/XX/ Reason : You received a benefit from this Transaction I received a letter from Chase on XX/XX/XXXX that I was not responsible for the charges made on the evening of XX/XX/XXXX when my card was first lost, but that I would be responsible for this charge of {$710.00} on XX/XX/XXXX. I have XXXX this company and it is not even located in America, it is located in XXXX XXXX, a place I have never traveled to. This letter was sent to me late on Friday evening and conveniently my banks ' fraud department was closed over the weekend. On the morning of XX/XX/XXXX, I contacted my bank to understand why I am being told I am responsible for this charge. I spoke with representative XXXX, and asked her to explain this reasoning to me. She said she was not sure because the receipt she has from the transaction is in XXXX. She could not provide to me any information on what " benefit '' I received from this transaction, or what the purchase was even for. She could not even read the receipt to me because it was all in XXXX. She also could not explain to me why they agree that my card was lost on the XXXX but I am being told to pay for charges on the XXXX. In addition to filing this complaint, I have provided Chase with my work schedule showing I was in the country on XX/XX/XXXX and XXXX, and that I was never in XXXX, XXXX. I have also uploaded my work schedule below. I have also filed a police report for fraud with my local precinct and plan to file a complaint with the FDIC as well.
Product: Credit reporting or other personal consumer reports

These hard inquirles are fraudulent are fraudulent and donesnt belong to me and need to be removed. also the nest as well. thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These inquiries was pulled with out my permission or consent. Please help me remove/delete. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681b , credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA 15 USC 1681Q-Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD NAME
Product: Debt collection

Thunder Road Financial has came to my house several times and all hours ( XXXX XXXX ). They have taken pictures of my home, cars in my drive way and talked to neighbors. Now they are texting everyone from my phone book. I believed they hacked my phone account because they are calling my in laws and I didnt even know my in laws 3 years ago. They are texting my deceased fathers ex wife and her son and I have no contact with them in a year. I called them and advised them to stop harassing people I know and they hung up. The man that text everyone gave my name and some case number. So everyone got worried about me and called.
Product: Credit card or prepaid card

I AM VICTIM OF AN IDENTITY THEFT, AND THE STATE FARM BANK ACCOUNT WAS OPEEND FRAUDULENTLY WITHOUT MY CONSENT, I HAVE BEEN SCREEMING XXXX  XXXX FOR SO LONG I AM JUST TIRED OF THIS UNFAIR APPROACH TO CONSUMRS, THIS IS JUST RIDICULUS THIS ACCOUNT IS FRAUDULENT THE CHARGES ARE FRAUDULENT.
Product: Checking or savings account

I had a check from a job that was apparently fraudulent. I took a picture of it from my phone and it told me it was no good. I called the bank manager as my girlfriend had the same thing sent to her. 
I had previhad fraud on the XXXX of XXXX something ordered from XXXX. I got no response from that. 
I am on SSXXXXI and because of this, I still don't have a check that they received and took XXXX out of but claim my account is closed. 
I have pictures of all of this I will attach. I ad to spend three nights outside unable to pay rent and they sent me paper stating they have if but dont.
Product: Credit card or prepaid card

On or about XX/XX/2019, Citibank, N, A., via XXXX XXXX, induced me to apply and get their credit card with a special offer of {$200.00} reward bonus if I spend {$1000.00} in the first 90-day period. After I completed my part of the offer, they arbitrarily swish spending amount to {$1500.00} without informing me. I believe this is consumer fraud of bet and switch by the Citibank. This was all done on the line, they have all the documentation and I have none.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is closed I am writing to lodge a complaint regarding the deceptive reporting of a closed account by Experian and XXXX XXXX my credit report. The closed account in question is with XXXX XXXX, with the account number XXXX. 

It has come to my attention that both Experian and XXXX are inaccurately reporting the closed account as open, which is adversely affecting my credit score and overall creditworthiness. This deceptive reporting misrepresents the true status of my account and poses significant challenges when seeking new credit or negotiating favorable terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX CARD 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 my 3RD endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I wire the money to Payward Inc to buy XXXX using the help from scammers and they stole my money from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are fraudenlent i have disputed these items like 5 times already with Equifax they have not removed these accounts. they have neglect my fair credit laws. I have sent in a police report fraud ad davit and copy of ID AND prove of residence and contacted the creditors. They have didi nothing to remove these acounts Accounts that are Fraudulent on his Equifax Credit report 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 XXXX XXXX XXXX XXXX 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: Checking or savings account

You guys really need to get out and start investigating banks. Ok here we go : Openened an checking account online on or about XX/XX/XXXX deposited {$1000.00} to fund it. Today (XX/XX/XXXX ) go into my local branch in XXXX, CA to activate debit card ( which i did, and make another deposit of XXXX, and open a savings account or so I thought. When I see a " banker '' to open a savings everything seemed to go through until the end when she told me there was a problem, and " she was new here '' and she had to talk to her " manager '' she comes back to tell me that I " can not '' open a savings account ( I thought checking accounts were the tough account to get ) furthermore she told me that my checking account that was approved was " in jeopardy ''. I then told her to get her manager. The manager said I needed a copy of my SSN ( for a savings??? account?? ). Oh yeah, I had a Citibank account about 4 years ago ( which I closed on my own volition ). My credit last I check was in the 600 range so, ... ..Citibank why can't I open this savings? Is it because I made the mistake of going into a branch where you could see my race ( XXXX XXXX )? That would be illegal!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the conduct of Experian, a major credit reporting agency. I believe Experian has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 

Upon reviewing my credit report obtained from Experian on XX/XX/, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that Experian did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) and XXXX, which are not adequate verification sources according to the FCRA. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced negative consequences, such as denial of credit or higher interest rates. 

Although I have initiated the dispute process with Experian to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 
. 
Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

Started a dispute XXXX of 2024 for the following creditors : XXXX XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a written notification from AFNI at afnicollections.com and they stated I owed a certain amount for a company I had no debt with. I contacted the company before contacting AFNI ( from a blocked phone number ) and confirmed that I had no debt with that company and they have no record on file of unpaid debt. Additionally, I never once got notification from the company itself of any unpaid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications Capital One, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except Capital One is still reporting to XXXX  that this is a true and factual Hard inquiry. I called Capital One the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.
Product: Student loan

It has come to my attention that I provided the Department of Education with a financial instrument in the form of a Master Promissory Note which has been sold. According to the XXXX XXXX XXXX and the Securities Exchange Commission, that would make me an XX/XX/XXXX. I have filed the appropriate documents with the IRS to evidence the financial transaction and a copy is attached. 

The Department of Education has not provided me with the appropriate copy B for the filing nor has my credit report reflected the proper balance on the account. To be clear, I do not owe XXXX nor the Department of Education. The Department of Education owes me for the use of my securities ( aka financial assets ).
Product: Checking or savings account

Chase bank will not cash my savings bonds and deposit the funds into my existing checking account. They told me my {$1000.00} Bonds exceeded their NEW policy of not redeeming more then {$250.00}. In XX/XX/2022 I had no problem. I've been with Chase since they were Washington Mutual. I have sizable amount in my checking account, and I am ANGRY!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am being discriminated against with PayPal services. They refuse to give me specifics details and they closed two of my accounts because in 2017 someone tried to hack into my account and they are blaming me for it as a business owner it's unfair and unjust. This is horrible customer service and a lack of investigation into the problem. I am permanently banned from the company and I'm seeking justice for that reason ( s ).
Product: Credit reporting or other personal consumer reports

Im so confused and desperate because inaccurate accounts suddenly showed up on my credit report this morning, and I dont know why. I regularly check my report, and nothing like this has ever happened before. I tried refreshing the page, hoping it was just a browser error, but the accounts didnt go away. I need you to review the documents Ive submitted carefully so that I can stop feeling this sense of dread about my credit report.