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

Remove the inquiries that are enclosed in the attached documents per written instructions by the consumer as mandated by federal law 15 USC 1681b ( 2 ). I have attached my license for identity verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency XXXX. I filed a CFP complaint previously and consumer credit agency XXXX responded on XX/XX/XXXX. Consumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency XXXX failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received an email form XXXX indicating an " XXXX charges will levied on your order '' ( Exhibit A ). Since I didn't have a XXXX account nor place an order contacted the assistance number an individual name XXXX XXXX. XXXX indicated he was unable to stop the levied but could make a deposit to offset the levied amount. Once my account was open, he took control of my computer and the account. Instead of depositing XXXX it was XXXX. My account already had XXXX in saving, however, an additional XXXX showing in the checking ( XXXX ). in order to correct the error XXXX must be wired back to his account with Chase Bank. After the wired was sent to Chase ( Exhibit B ). After reviewing my account the funds were actual transfer from my saving to checking. Contact bank with an hour to stop the wire. I was on the line holding for approximately 2 hours. Informed the bank what transpired. A hold was put on the account and I was asked about receiving a red flag on the wire before it was transfer. On XX/XX/XXXX my bank was unable to stop the wire. After an internal investigation by my bank an account was set up for Chase to make a deposit. According my bank 3 request for has been made, no response by Chase.
Product: Money transfer, virtual currency, or money service

XX/XX/ 2022 Truist bank, XXXX XXXX nc. forgot to send or lost my annuity transfer papers to XXXX XXXX XXXX to have my annuity transfer FOR FREE to a new IRA account at truist in XXXX XXXX transfer forms and new IRA account were signed XXXX, XXXX 2022 with investment advisor at Truist. i never found out until XX/XX/ 2022 that the funds were never moved when i wanted to purchase a new annuity. the funds auto rolled over into a 5-year annutiy in XXXX 2022 i did not want at a lower interest rate that a wanted. now it will cost me {$18000.00} surrender fee to move to funds. app. {$290000.00}. i have made complains to XXXX XXXXXXXXXXXX FILE XXXX, FDIC CASE XXXX XXXX WITH NO HELP. When i first found out the funds were not moved truist lied to me or misinformed me, what they stated. long story short truist refuses to do correct their mistake. I HAVE A LETTER FROM TRUIST STATING THEY WERE SORRY FOR THE ERROR AND INCORRECT INFORMATION I RECEIVED. BUT REFUSE TO CORRECT THEIR MISTAKE. I HAVE ALL DOC OF PROOF, BUT WEB SITE WOULD LET ME LOAD????????, CAN MAIL IF NEEDED.
Product: Credit reporting or other personal consumer reports

You were advised to remove unauthorized inquiries from my credit report in a letter dated XX/XX/XXXX and you failed to acknowledge this request. You were also sent proof that my personal information was involved in a data breach, and you were sent an FTC report and failed to remove these inquiries. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, which neither of which apply. I have attached an invoice for the violations of your company. The following inquiries are to be removed and payment remitted to the address on the invoice within 14 days. 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
Product: Debt collection

My rights as a federal protected consumer has been VIOLATED!!! Following federal laws has been broken FCRA sec 609 ( a ) ( 1 ) ( A ). I requested original wet signature contract stating I will pay said debt, also my signature given written instruction to report said debt on my consumer report 15 usc 1681b-2. Also said negative item is open, with late payments on my consumer report which VIOLATES my rights again 15 usc 1666b. I have requested XXXX XXXX XXXX XXXX license to collect a debt in XXXX, also the dates of the license and the name on it. Neither was provided, but yet transunion continues to report XXXX XXXX XXXX XXXX on my consumer report. FCRA 623 was broken also. I demand permanent deletion of XXXX XXXX XXXX XXXX account # XXXX. Also fcra 609 and 605 laws have been broken. I DEMAND PERMANENT DELETION IMMEDIATELY!!! 


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

XXXX Account XXXX This balance was paid off through a debt collector. The original balance owed was {$1700.00} and I was able to negotiate my debt amount down to {$840.00}. I no longer owe anything on this balance. 
XXXX XXXX XXXX XXXX Account Ending In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX, Monday My last payment to Roadrunner Financial Inc was XX/XX/XXXX XXXX The account was placed with XXXX XXXX XXXX XX/XX/XXXX. My last payment to XXXX was XX/XX/XXXX. My monthly payments were around {$73.00} a month to pay off the negotiated balance of {$840.00}.
Product: Debt collection

ACCOUNT # XXXX. Now you should be able to find the account.
Product: Debt collection

I am writing to file a formal complaint regarding an unresolved billing issue with XXXX XXXX and an associated collection account that has negatively impacted my credit report. To date, this matter remains unresolved, and XXXX is the only credit bureau that is unwilling to remove the collection entry from my credit report. 


After my insurance contract with XXXX expired, I believed that my account was fully settled, and I did not receive any communication from XXXX indicating that I had an outstanding balance. However, I was contacted by a collections agency, which informed me that an outstanding bill related to this insurance policy had been sent to collections. 

I have made multiple attempts to resolve this matter directly with XXXX and the collection agency, but I have not received a clear explanation as to why the balance exists, especially since my insurance policy was no longer active at the time this alleged debt arose. Additionally, I have not been provided with any documentation or notice about this outstanding balance until the collection agency reached out. 

As part of the resolution process, I have worked with all three major credit bureaus to dispute this issue, and while XXXX bureaus have agreed to remove the collection entry from my credit report, XXXX remains the only bureau refusing to do so. I have disputed this entry through XXXX, but it continues to be reported as an outstanding collection, which is causing unnecessary damage to my credit. 

I respectfully request that the CFPB investigate this matter, as the lack of transparency and communication from XXXX, combined with XXXX 's refusal to remove the collection entry, is causing significant distress. I would appreciate your assistance in ensuring that my credit report is corrected and that this issue is resolved fairly. 

Please let me know what steps I can take to further resolve this matter. Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

I have a legit business in XXXX, all of my clients have had a pleasant experience with me. I even have at least 1 review on my XXXX page. They flagged my account and asked me to submit documentation to prove the legitimacy of my business. The same day, they sent me a message informing me that they were closing my account and could not support my business. I supplied them with my Authority Addendum and EIN paperwork. That is more than enough to prove legitimacy. All transactions were of $ XXXX {$90.00}, and the service was recommended by my beautician. They claim theyre holding my funds for 90 days, this is unacceptable and will not be tolerated. I will pursue legal action if this is not resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

Im very disappointed and saddened to discover unauthorized inquiries on my credit report tonight. Despite checking my report as usual, I encountered discrepancies that appeared out of nowhere. I tried refreshing my browser, hoping it was a simple error, but the unauthorized inquiries remain unchanged. Im frustrated and request that you carefully review the documents Ive sent to resolve this issue quickly and give me peace of mind.
Product: Credit reporting or other personal consumer reports

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received an offer for a Jet Blue credit card. I called to discuss the offer because they gave me something different then i accepted. During the conversation I said I did not want to do business with the credit card company because I felt it was under false terms. I told them close the account, i did not want a card or any business with them. After the conversation i thought i was all set. I never received a card or any corespondence from Jet Blue. 

About 2 months later i received a email from a credit reporting agency stating i was delingient 2 months with Barclay credit card. I did research and found out it was jet blue. I called asked to have the previous call reviewed and asked to speak to a manager and that was declined. I stated i never received a card, bill, never activated or used the card and didnt understand how the card was used which caused me a bill. I was transferred around and then finally told i would get a call back. I got a call back from the fraud unit who was very rude and dismissing and said it was not fraud and they again would not allow me to speak to a manager or have the call reviewed where i said i never wanted the card because i felt JET BLUE LIED about the offer. 

I have worked very hard to build my credt and this caused my credit to drop over 100 points! PLEASE HELP resolve this issue
Product: Credit reporting or other personal consumer reports

after XXXX to XXXX years of doing my bankruptcy i got contacted by perstige financial by email in oct. 2024. I was informed that thy sued me and that they served me papers at a place where i havent moved back into, and i was told it was me who gotten those papers. I never recived anything first off. Anyways that company sued me over and item that was claimed on my chapter XXXX bankruptcy. I kept emailing with them for a month. On XX/XX/year> they really wanted me to pay money so i thought someone is scamming me... .the last email from her was we will take your first payment of {$100.00} today or we will garnish your checks. I checked my credit and still seen it was in still saying XXXX in chapter XXXX bankruptcy. I informed them that if that took my money i was going to sue them for every XXXX... .i dont know how they had judgement passed for garnishment on a item on my bankruptcy but it happened. Also the credit report of XX/XX/year> it now showed me it changed from XXXX throught chapter XXXX bankruptcy to Charge off and me owing. XX/XX/XXXX, i told them it was in chapter XXXX bankruptcy ... the day it said was updated was XX/XX/year>. This is what i started to see on the experian credit reports on their website. Experian is falsifying a credit report and changing it to how perstige financial wanted it to get money that they wont get unless experian changes my report. once the other bureaus seen experian do it so they followed shortly afterwards. I disputed this for 2 month shright with the evidence and they said my evidence held no ground because XXXX XXXX had evidence said they are right. The disputes say not available online then the next dispute which was the samething i could see online. they grayed out the on button that says inculded in bankruptcy after a while.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, GA XXXX
Product: Debt collection

disputed with company on in XX/XX/2018 company recieved my disputes that same month according to certified mail. It is now XX/XX/XXXX and i have yet to hear back from company. the FCRA gives the company 30 days to respond, i have not gotten a response.
Product: Debt collection

This is old debt that was from 2013. They've bought the debt from clear creek lending in attempts to gain payment. The are threatening to sue for the debt but are unable to substantiate the debt entirely and when I talked to them they threatened to sue me and take my house. 

They threatened to sue me and take my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what this is on my report.
Product: Debt collection

XXXX XXXX XXXX contacted me to collect a debt on behalf of eversource. I sent them proof the debt isnt mine, They sent me a copy of the bill. I then contacted them explaining the debt isnt mine and showing proof it isnt and the person who the debt does belong to acknowledged the debt was theirs. I mailed them twice with no response. I know they received my letters since I sent them certified mail. I sent them multiple emails asking for updates and they did not answer me at all. On the XXXX of XXXX they reported the debt to the credit agencies and hurt my credit score. I do not feel they had the right to do this as I was trying to work with them and they would not contact me at all. I called them and they said they would look into it. I have no faith they will. They need to remove the negative comment from my credit report. I have copies of all the times I reached out to them. It is my understanding that they need to stay in touch with me. What they have done is not right. Especially since the debt isnt even mine.
Product: Mortgage

XX/XX/XXXX I got laid off from work due to XXXX  XXXX and the XXXX. Since then Ive been on a Forbearance. As of XX/XX/XXXX XXXX still in forbearance until XX/XX/XXXX As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES XXXX Act, mortgage accounts in forbearance as a result of XXXX can not be reported negatively to the credit bureaus by lenders. 

During this time PHH mortgage negatively impacted my credit reports by submitting that I am XXXX days late. I am not late Im in forbearance. I have an XXXX  loan. 
My XXXX  XXXX is XXXX XXXX XXXX Ive sent XXXX emails with no response! 
Their number is XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease and Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. thank you
Product: Credit card or prepaid card

XXXX and Discover charged $ thousands to my rarely used card and 2 others while REFUSING to respond to me. I refused Discover mailing to open a replacement card and responded I wld only reconsider AFTER they handled fraud. ( Both XXXX and XXXX fixed within 1 month ). I had to close all 3 cards and reschedule payments.Eventually XXXX ( XXXX XXXX XXXX XXXX XXXX ) initiated conference call to Discover re : issuing new card and notifying XXXX XXXX XXXX. We spoke to 7 Discover employees who did nothing over 2 1/2 hour call. Now my credit rating has dropped drastically. I M XXXX and limited in XXXX XXXX XXXX. Please CALL me for details XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Capital one credit card listed me as authorized user and its not correct. I would like it removed says date opened was XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX, Trans Union, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.
Product: Checking or savings account

I had a series of unauthorized transactions on my card over time from a series of foreign companies, each of which that I later disputed. Upon filing the dispute with my bank, chase, the company sent me the below email. Nevertheless, chase rejected the disputed claims and I have only seen {$4000.00} of the approximately {$10000.00} in refunds thus far. I have followed up with the issuing company on several occasions and they repeatedly state that they issued the full refund, yet chase will not act/show the full {$10000.00}. 

The below email correspondence is dated Friday, XX/XX/XXXX. I have only received the second series of refunds ( which were refunded as a preventative measure by the company/companies ), but to date I have not received the first series of refunds. Again, the company states that they issued all of the refunds and chase refuses to help/ensure that the full amount is refunded. 





Hello XXXX, We hope this email finds you well. 

We recently received an alert from your financial institution stating that one or more of your deposits were disputed. As a result, the following transactions ( details below ) were sent back to your credit card Credit Card XXXX Amount USD Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, the following transactions were refunded as a preventative measure : Credit Card XXXX Amount USD Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your account was refunded a total of {$10000.00}. 

Please be aware that the refunds are not immediate. We can't provide a time in specific since this can vary. We have seen cases were it takes days or even up to 3 billing cycles, but we don't manage a specific time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the XXXXXXXX XXXX account showing on my report. XXXXXXXX XXXX has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & XXXX have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to remove the XXXX  XXXX and XXXX XXXX listed on my credit reports. The XXXX   XXXX was discharged and XXXX XXXX has several duplicates and it has aged out
Product: Checking or savings account

I was told that I needed to send I two forms of I D. To verify my account so I can change my email address to change my password to gain access to funds. I first call XX/XX/2023 and since then I've spoken to several operators with no progress at all in the matter. Wisely make it clear that they are not customer friendly. They purposely removed their cards from merchants being able to resolve issues with their employees in a timely manner forcing them through a long process with hopes of them giving up their funds for closure and peace.