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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In early XXXX of 2023 I looked at my credit report and noticed 3 unauthorized credit inquiries on my credit profile. I contacted Equifax and explained what I have found they sent me a letter couple weeks later stating they verified the information and it was accurate. I then sent them a letter formally requesting removal and that I understand my rights under the Fair credit Reporting Act and they still did not remove unverified inquiries.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX  on my credit report with Experian on XX/XX/19. Experian received my disputes on XX/XX/19as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from Experian. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Student loan

I am a victim of identity theft, and have notified the owner of the fraudulent loans, Sallie Mae, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Sallie Mae that I have not received any response to, and will provide a summary of my dispute below.

The following Sallie Mae loan account numbers have been obtained in my name without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX On XX/XX/2017, I receive a phone call regarding the above-referenced loans and was told that I needed to pay a large sum of money immediately for a loan that I supposedly co-signed for or I would be sued and taken to court. I said that I have never signed or agreed to any such loan. I immediately obtained the number for the fraud department and called. I have been attempting, since receiving notice that there was fraudulent loans in my name, to alert Sallie Mae and remove the loans from my name and off of my credit report, but no action has been taken by Sallie Mae, and I have never received any responsive communications addressing the loans or  what steps they were taking to investigate my situation. 

As stated in my attached identity theft affidavit, I have not opened any student loans or co-signed on any student loans with Sallie Mae. The accounts cited above are harming my credit, have caused harassing phone calls, and have harmed my financial situation and my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted TransUnion as well as the below companies, as I was instructed to do, MULTIPLE times about the following " credit inquiries '' that were absolutely unauthorized and are currently negatively affecting my  credit score. I  did apply for an auto loan in   XX/XX/XXXX   but this was through    XXXX   XXXX  /   XXXX   XXXX    only. I have received zero assistance or response from TransUnion custom er service, and to my knowledge they have NOT investigated this matter as they are obligated to do. AND its nearly impossible to get ahold of them, worst credit bureau out there and clearly not interested in protecting consumers Date :   XX/XX/XXXX   XXXX / XXXX    XXXX  / XXXX /  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , CO   XXXX   (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX  (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  (  XXXX  )  XXXX - XXXX    XX/XX/XXXX     XXXX  / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  (  XXXX  )  XXXX - XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  X, AZ 85038 (  XXXX  )  XXXX - XXXX   Please let me know if you have questions, and if any actions can/will be taken.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that there are late payments from XXXX XXXX and XXXX XXXX reporting that were covered during the CARES act and pandemic. I called each creditor and made accommodations to ensure my credit would not be impacted from my hardship of being laid off. I've also requested verification from the CRAs ( XXXX, XXXX, and Equifax ) XX/XX/2023 and XX/XX/2023 and have not received an update as to why my accounts are showing any late payments. Furnishing this information to my profile is in violation of 15 USC 1681 s-2 ( F ). The late should not be reporting. As agreed, the accounts have been paid, reporting any billing errors is now in violation of 15 USC 1666B. I was assured that my accounts would remain in current status due to the accommodation.
Product: Checking or savings account

I was XXXX  on XX/XX/2022 To XX/XX/2022. During that time I had unauthorized XXXX transfers happened from my account from my account. I couldn't have possibly made these transfers as I was incarcerated. I even showed proof that my cell phone was not booked in the jail with me as I as I left it in a hotel room and the people who stole my money obviously had it. During that time the people who have my phone drained all my credit cards and my banking account.Before and I drained my bank account no they looked up my user ID And reset my password. The people who stole my money Used my own phone as it was left in a hotel room when I was arrested.. After approving all this to the bank they still denied my claim. All these transactions from XX/XX/XXXX to XX/XX/XXXX were all unauthorized. They took all my money from my checking and savings account
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

Citi Bank refunded my last payment in the amount of {$500.00} last Friday. It has been 7 days and I have not had the refund post to my bank account. I was told it would take 3-5 business days. It is clear that Citi is holding my money out of retaliation for no reason.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing these accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents. 
Please dispute these accounts. This was opened with out my knowledge, authority or consent. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experiences I have had while attempting to open account with your institution. Despite multiple efforts, I have encountered numerous issues, delays, and errors that have severely inconvenienced me. 

Following this initial setback, I decided to give your institution another chance and submitted a second application. Regrettably, I encountered a similar delay and frustration, with communication from your institution being sporadic at best. 

The repeated delays and errors have not only wasted my time but also damaged my confidence in your institution 's ability to handle my financial matters competently. 

In light of the above, I kindly request that you take immediate action to rectify this situation. I expect a prompt resolution to my account opening process, with clear communication throughout. If there are any specific documents or information required from my end, please let me know at your earliest convenience so that we can expedite this process. 

Furthermore, I would appreciate it if you could investigate the causes of these issues and take steps to ensure that other potential customers do not face similar problems in the future. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$370.00}. 
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Product: Money transfer, virtual currency, or money service

An unidentified person called the stores phone and had the assistant manager key in numbers and amounts on the register to fraudulently attain funds. 
1 {$400.00} Western Union tracking number XXXX XXXX {$600.00} Western Union tracking XXXX XXXX {$550.00} Western Union tracking numberXXXX the receiver of these funds gave the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account reference # XXXX I missed a call from a XXXX phone number who left a message with their company name XXXX XXXX XXXX advising it was a call from a debt collector. 

I returned the phone call a moment later and received an unprofessional introduction of yes when I called in. The representative XXXX then said he hadnt realized there was incoming call. XXXX then proceeded to inform me of the supposed medical debt for {$94.00} in his office. At this point there are had been no verification or mini-Miranda provided. I know that these are standard requirements of 3rd party debt collections and wanted to confirm I had a legitimate company before providing payment information. 

I requested a statement. XXXX advised they had sent one out in XXXX, I informed him I did not receive that notice. XXXX then became almost abusive by questioning my character saying it was odd I hadnt received the bill from them or the hospital since they are the second collection agency. I explained again I didnt receive anything for that amount. XXXX continued saying it was odd, I then requested a validation of the debt. Since there had been violations in the phone call I again wanted to ensure I had a legitimate company before providing my payment information. 

XXXX refused to accept my verbal request for validation. I requested to speak to a manager to inform them about the above information. 

I spoke with Mrs.XXXX who was the first person to provide a mini-Miranda on the phone call. I advised her of the above and requested validation of the debt. She advised they would mail the validation out. It is extremely deceptive and unfair to have practices where one employee refuses to accept your request for validation while the other accepts it? As a consumer this is very confusing. 

She advised me they would review the recordings and question and not contact my number further. I was never provided any disclosure that the company in question was recording the call either. 

Thank You, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I received notice from PROFESSIONAL PLACEMENT SERVICE LLC about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PROFESSIONAL PLACEMENT SERVICE LLC on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Once again on XXXX XXXX I sent PROFESSIONAL PLACEMENT SERVICE LLC another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for XXXX. Account number XXXX XXXX. Account number- XXXX XXXX. Account XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my XXXX  / Equifax and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though XXXX  / EQUIFAX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with XXXX XXXX and equifax and have submitted an FTC report with each Complaint.Account name : XXXX XXXX account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.
Product: Vehicle loan or lease

I brought my car into the dealership because the car reported an error on the dash panel I never saw the the car again. All of my items that I had in the car gone when I called Toyota to find out where the car was at they told me they had at first no record of me owning the car but upon further investigation they were able to not only find the loan for that car but at least for XXXX others from Toyota this was the first car I ever owned from Toyota Toyota went on to tell me that I should report the vehicle stolen yes that is correct Toyota told me to call the police and let them know that Toyota had stolen my car though Toyota says they had no record of me owning the car and I had made payments on the car for close to XXXX years I am still listed as owning the car and responsible for the debt that is significantly impacted my credit
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Collection Information Bureau , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me -Signatures on applications and accounts -Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had any success with updating/correcting my personal information with the three credit bureaus, XXXX, TransUnion, and, XXXX.
Product: Credit reporting or other personal consumer reports

I didnt authorize any or these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello, There was a fraudulent charge made from my PayPal account to someone I do not know. My PayPal is under XXXX and I usually use it so that my son can pay on XXXX. The amounts are usually for {$4.00} or {$9.00}. But today, there was a payment of {$700.00} to XXXX XXXX. There was a {$25.00} fee associated with the transaction. I tried to dispute this with PayPal, however, PayPal immediately said that it looked like all my other purchase history so it was valid and they let the charge go through. I tried to contact my bank to make sure the transaction did not go through, but the bank said they have no say in money/currency being moved around via apps online. PayPal has now closed the " investigation '' which was a complete joke and now I can not dispute it further. Is there anything you can do to step in and assist? This is so ridiculous. I immediately tried to dispute this, minutes after it was submitted. I can't be any more diligent than that.
Product: Prepaid card

I was issued a debit card from XXXX/Bank of America. Card was credited by XXXX in Michigan for approx {$990.00} on XX/XX/XXXX 2 times = approx {$2000.00} in credits. A charge for {$1800.00} was made to somewhere in the XXXX. Bank adjusted so all was ok. On XX/XX/XXXX ( after card was suspended ) called BOA , letting them know card was again credited another {$990.00}. Was to be taken care of and on XX/XX/XXXX those XXXX charges were reversed and now I owe over {$2700.00}! Bank refuses to handle situation so I can get MY {$240.00} out.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX opened XXXX amount {$530.00}. XXXX opened XXXX 2018 amount {$150.00}. XXXX opened XXXX amount {$520.00}. XXXX opened XXXX amount {$6800.00}. XXXX XXXX opened XXXX amount {$130.00} Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity on my credit report. Please this account from my credit report it is hurting my ability to obtain credit.
Product: Credit card or prepaid card

I set up auto-pay for my credit card in Bank of America, the payment option is '' amount due '' in XX/XX/2019, the BOA only charges me the minimum payment {$25.00}, so now it charged me a lot of interest fee ( over {$100.00} ), I tried to call the bank to see what happened, they told me " amount due '' is minimum payment, I should choose " account balance " if I want to pay full amount due. But I double check the payment option in my online banking, there are some options, " amount due '', " minimum amount due '' " account balance '', " fix amount '', I don't think the " account balance '' means statement balance, and anyway, " amount due '' and " minimum amount due '' is confused to customer easily, until now, I don't think I chose the wrong option, " amount due '' means full amount based on public understanding. but the bank said nothing can do to help.