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

To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX, and it need 's to be deleted/removed from my credit report. PLEASE PERMANENTLY BLOCK & DELETEM IMMEDIATELY! I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW HAS TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. XXXX does not belong to me. Delete & BLock immediately! 


Collection Account : XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE WAS A BANKRUPTCY ON MY CREDIT REPORT THAT I DISPUTED AS INCORRECT INFORMATION ON MY CREDIT REPORT ( NOT MINE ) I DISPUTED THIS WITH ALL THREE CREDIT BUREAUS. XXXX  ADN XXXX HAVE SINCE DELTED THIS. I SUBMITTED A LETTER FROMT EH COURT HOUSE STATING THAT THEY DID NOT REPORT THIS AS WELL AS XXXX XXXX, AND EXPERIAN REFUSES TO TAKE THIS INCORRECT INFORMATION. I KNOW THAT ALL THREE CREDIT REPORTING AGENCIES HAVE TO FOLLOW THE SAME FCRA LAWS AND GUIDELINES. IF TWO OF THE CREDIT AGENCIES DELETED THIS FROM MY CREDIT REPORT FOR INACCURATE INFORMATION, EXPERIAN SHOULD BE DOING THE SAME THING. THEY REFUSE TO GIVE ME ANY INFORMATION ON WHERE THEY'RE GETTING THIS INFORMATION FROM. THEY LIED AND SAID THEY GOT IT FROM THE COURT AND THE COURT MAILED ME A LETTER SAYING THIS IS NOT TRUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Closed. {$390.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX LOAN XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

THESE ARE THE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistent.
Product: Vehicle loan or lease

I the consumer and natural person was denied credit by Huntington Bank when I applied for a XXXX XXXX XXXX XXXX XXXX. My application number is XXXX. I would first like to address Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which codified in the 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k, also in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002, furthermore 12 CFR 1002.4 ( a ), along with 15 U.S.C 1681a. XXXX and XXXX XXXX is reporting this inquiry on my consumer Report. The documents that will be attached show that someone is lying to me. I got a notice stating I was not approved, nor denied. I was told there were no hard inquiries on my credit, but they are still reflecting. I also spoke on a recorded line with a manager of their bank as well as a supervisor. I was told they denied me credit and they did an adverse action, which is against consumer rights according to the US cod of justice. I also did a second application, but I made sure to reserve all my rights on the new one and they are still not approving me while continuing to violate my rights. On the second application, I verbally expressed to the banker XXXX, that I wanted to tender this to make sure he got it completed and it was not specifically for just one vehicle. It was to be able to be taken to a dealership for the vehicle of my choosing and I had chosen the XXXX XXXX XXXX XXXX. I also sent a hand written letter in the mail certified mail. Please do a deep investigation!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion regarding their failure to comply with the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the method of verification ( MOV ) that TransUnion used in response to a dispute I filed. According to the FCRA, upon receipt of such a request, the credit reporting agency is required to respond within 15 days of receiving the request. 

The relevant section of the FCRA is Section 611 ( a ) ( 6 ) ( B ) ( iii ), which states that if the consumer requests the method of verification used by the consumer reporting agency during the dispute process, the agency must provide that information within 15 days of receiving the consumers request. 

I sent my request for the method of verification to TransUnion via certified mail. I have in my possession the certified mail receipt with the tracking number, showing that TransUnion received the letter on XXXX XXXX, 2024. Based on this, TransUnion was required to respond to my request by XX/XX/year>. Today is XX/XX/year>2024, and I have still not received any response or acknowledgment from TransUnion. 

This lack of response is not only in violation of the FCRA but also causes significant concern regarding the accuracy and transparency of XXXX dispute resolution process.
Product: Credit card or prepaid card

My card gives points for various useages as gas purchases, dining, grocery stores, and other. It also gives points for XXXX maintenance fees and XXXX loan fees. Every month for the past six or seven months I have to call and ask for the points to be awarded for the loan fee. On XX/XX/XXXX XXXX Bank replied they could not help me at this time- they are the credit card bank. I called and get switched from one customer representative to another and am told someone will get back to me in 24 to 48 hours. I either get no call or someone that is looking into it. On XX/XX/XXXX they did not give me points for my loan payment ( XXXX points should have been awarded ) On XX/XX/XXXX again they did not give me my points for my loan payment ( XXXX points should have been awarded ). On XX/XX/XXXX shorted me XXXX points. I have battled them since XXXX on this same problem with no resolution. They shorted me on points in XXXX as well. I moved my loan payment to another credit card for a few months in hopes they would fix the problem after I was assured they would. But no resolution. There statements of how points are awarded as very clear that XXXX points per dollar for XXXX maintenance points and loan payments.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an alleged debt reported by XXXX XXXX XXXX XXXX on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate compliance with the law. 
Violations and Legal Concerns Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Your agency failed to remove this unverifiable information after my dispute, in violation of the FCRA.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Reporting inaccurate and unverifiable information without proper investigation violates your duty to ensure accuracy.

Violation of Permissible Purpose ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Reporting a debt without proper validation or authorization violates FCRA provisions.

Demand for Action To resolve this matter, I demand the following actions : Delete the disputed debt from my credit report immediately.

Provide me with a written explanation of the steps taken to verify the accuracy of this information, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Ensure that XXXX XXXX XXXX XXXX complies with 15 U.S.C. 1681b ( e ) ( 6 ) regarding permissible purposes for reporting this debt.

Notice of Intent to Sue If you fail to comply within 15 calendar days of receipt of this letter, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Reporting your bureau to the state attorney generals office.

Pursuing legal action under the FCRA, seeking damages for non-compliance with 15 U.S.C. 1681e and 1681i.

This letter also serves as a formal request to preserve all records related to this dispute.
Product: Checking or savings account

Today is the 10th business day I still havent received a credit to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report
Product: Credit card or prepaid card

On XX/XX/XXXX I did apply for a Cash Wise credit card from Wells Fargo. I am already a customer of Wells Fargo, so I applied after logging in to my account. The application was instantaneously approved, I received an email about teh approval on XX/XX/XXXX. My online account reflected that this was opened. I was also seeing on my credit report that a hard inquiry was made about my credit, which made my score drop from XXXX to XXXX. 

On XX/XX/XXXX I noticed when checking my account, that the new account was showing that it was closed. I contacted Wells Fargo thru the website, but was told, they would not answer online. 

On XX/XX/XXXX I called them. ( I am currently travelling so this was an interantional call and I made the agents aware of that ). All together I was transfered to 5 different agents and had to give them all my details again after each transfer. It was annoying and expensive. 

Finally XXXX XXXX XXXX from the Credit Executive Office told me, that her office and the fraud division had decided that my application was fraudulent. I asked, why they would not inform me about this? I did n't get an answer. I also told her, that I want to file a complaint with the regulatory body in charge and asked her, whom I would have to contact. She said, her office was the highest authority and there was no address she could give me. I also wanted a written appology and explanation, why my account was closed. She denied that. 

She promissed me that they had initiated procedures to eliminate the hard requiry from my records at the credit agencies, but this would take time. I would not get confirmation by Wells Fargo about the successful removal, but would have to check that myself.
Product: Debt collection

I just received a letter saying that i have a debt for {$590.00} from Pendrick Capital Partners, and I never remember having an account with them or owing any money to them. So i'd like them to give me more info so i can figure out what this debt is for. And I don't want to send them any money just in case if it is fraud account. Because this debt does not show on my XXXX XXXX or any previous account i've closed.
Product: Checking or savings account

Our firm was owed a refund of prepaid taxes in the amount of {$73000.00}. An email account was hacked and as a result, fraudulent instructions were sent to our vendor, XXXX XXXX of XXXX, New Hampshire, to transfer the above funds to an account with PNC Bank , National Association. XXXX authorized their bank, XXXX XXXX, to process an ACH ( Automated Clearing House ) payment to PNC Bank , National Association on XX/XX/2023. Our firm, XXXX XXXX XXXX XXXX XXXX, was unaware of this hacked email account until after a phone call from XXXX indicating that PNC Bank did not have an account with the name of XXXX XXXX. We were informed that the transaction would be reversed and the funds would be returned to XXXX XXXX Bank for the account of XXXX XXXX. This did not happen. XXXX XXXX XXXX, XXXX can provide transcripts of the emails ( real and fraudulent ), along with other supportive data, should this complaint be within the proper government crime division. Our telephone number is ( XXXX ) XXXX. Thank You.
Product: Credit card or prepaid card

I placed a dispute with XXXX, as I returned the items to them and they received the packages as shown by tracking numbers. 

I called them a dozen times and spent hours and hours but nothing came of it. 

I disputed the charges and I lost, reason is they sent the invoice and tracking that shows I got it. 

I know I got!! But I do not have it now as it was returned. 

I spent hours and hours with XXXX but no one is home to help. 

XXXX Dispute reference numbers : 1. XXXX ( 3x XXXX XXXX XXXX XXXX @ {$310.00} each + XXXX XXXX @ {$440.00} ) 2. XXXX ( 1x XXXX XXXX XXXX XXXX @ {$310.00} ) Total {$1700.00} Do not tell me to call XXXX and re-dispute as I have been with this and tried and it will keep getting closed in the merchants favor since it shows delivered to me, and of course XXXX never cares to read any proof I send and upload.
Product: Debt collection

I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18 for {$920.00}. I spoke to the management at XXXX to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor. 

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC supported by my Police Report and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Balance : {$8400.00}
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I submitted a written request to XXXX to report the most up to date information about my loan statuses to all three credit report agencies. No changes have been applied my credit reports and I have not received a response from XXXX. XXXX stopped reporting to all three credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be considered a follow-up to my filing of complaints dated XX/XX/XXXX, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GIVE BELOW THE FOLLOWING INFORMATION FOR MY ONLINE TRANSACTION EFFECTED BY ME VIA MY HSBC CARD ON XXXX XX/XX/2019. 

MERCHANT NAME - XXXX ... GBP  XXXX ( XX/XX/2019 ) - XXXX .. GBP  XXXX ( XX/XX/2019 ) ORDER NO. XXXX - XXXX XXXX MAILING ADDRESS - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX NAME AND ADDRESS OF MERCHANT - XXXX  XXXX  XXXX  ] XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TELEPHONE NO : : XXXX XXXX PLEASE NOTE THE THE ABOVE TRANSACTION WAS EFFECTED BY AN ONLINE TRANSACTION VIA MY HSBC CARD AND THE ABOVE AMOUNT WERE CREDITED TO MY ACCOUNT. THE TRANSACTION WAS FOR SOME MEDICATION. UPTO TO NOW I HAVE NOT RECEIVED THE SAID ITEM AND WHEN COMMUNICATED WITH THEM I WAS TOLD THAT THEY DONT SHIP THESE ITEMS TO XXXX XXXX. SO I THEN REQUESTED FOR MY REFUND FOR WHICH THEY CONFIRMED MY E-MAIL ON XXXX XXXX THAT GBP   XXXX WILL BE CREDITED TO MY ACCOUNT BUT IT WAS ONLY THE POSTAGE COST OF GBP  XXXX AND GBP  XXXX WAS CREDITED TO MY ACCOUNT. PROOF OF THEIR CORRESPONDENCE CONFIRMING THE REFUND VIA EMAIL IS AVAILABLE WITH ME SHOULD YOU REQUIRE SAME. 

HOWEVER, I HAVE MADE NUMEROUS TELEPHONE CALLS AND SENT NUMEROUS EMAILS REQUESTING THE REFUND OF MY MONIES BUT UPTO NOW I HAVE NOT RECEIVED THE GOODS NOR HAVE I RECEIVED THE REFUND. 

WOULD APPRECIATE IF YOU COULD KINDLY LOOK INTO THIS MATTER AND GIVE ME A FAVOURABLE RESPONSE WITH REGARD TO MY REFUND. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the following accounts have been proven to be incorrect my XXXX XXXX and XXXX please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and all accounts related to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and all accounts associated with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam when the fraud dept called I was told the transaction was blocked I agreed to stop the payment to allow for an investigation, they told me it was stopped, the scammer told me it was not received and blocked. the money has never been returned to the account.
Product: Credit reporting or other personal consumer reports

Delete hard 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
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.