23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Sign up bonus terms were 50k XXXX points after spending $ 2k within 3 months for Preferred Rewards Gold card ending in -XXXX. Minimum spend was met back in XX/XX/XXXX ; have opened a case with XXXX but they keep blaming an " internal issue '' without further elaboration and keep telling me to wait/check back in a week.
As a side note, I 've also not seen my {$200.00} statement credit post, but I have also not yet been assessed the {$190.00} annual fee, so as long as that does n't post I 'm not worried about the statement credit. If and when that becomes and issue, I will reach back out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance XXXX {$26000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$640.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$740.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My XXXX XXXX Transunion credit report indicates I had a hard inquiry made on XX/XX/21 by XXXX XXXX. No I didn't. My last hard inquiries were for a truck purchase and made on XX/XX/21. I called XXXX XXXX. They have no record of me having an account with them. next I called Transunion who told me to make this report for fraud. By the way, my XXXX report does NOT include this hard inquiry made on XX/XX/21. 

I have already been made a victim of identity theft by XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I am formally filling a complaint regarding a significant discrepancy in the balance of my account, XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} with XXXX XXXX XXXX. I have attached relevant documents to support my claim and provide further details. On XX/XX/2024, I noticed that the current balance displayed on my account statement does not align with my records and calculations. After conducting a thorough review of my transactions and payments, I have identified several discrepancies that have led to an inaccurate account balance.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED : Bankruptcy XXXX XXXX Equifax Type : XXXX XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy XXXX XXXX Equifax Type : XXXX XXXX  Bankruptcy XXXX  XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Amount : {$0.00} {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports. 

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

On the XX/XX/2024, I sent money and it was cancelled by moneyGram after I have deposit the money into the moneyGram account and they provide a reference number. on the same XX/XX/2024, I also sent in the mobile wallet and the person didn't able to get the money.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX  {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX New Added : XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/year> Balance : {$330.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/year> Balance : {$0.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/year> XXXX : {$17.00} Late/Open XXXX XXXX  Account Number XXXX Open Date XX/XX/year> Balance : {$5.00} Late/Open
Product: Debt collection

Despite me calling them back and requesting my number be removed, they have not. THIS ISN'T EVEN FOR ME. It's for some XXXX lady. I even told them that there's no way they'd be calling for me- I HAVE NO DEBT. 
They call every single day, sometimes repeatedly. If the number is blocked by XXXX they use a different number! 

STOP CALLING ME! I'M NOT XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX - I have never had any dealings with them. We never had a contract. We never had consideration. Why are they associated with my credit report. Why do they have a claim against my credit? Please advise. 

I would also like Transunion to pay me $ XXXX for allowing a false claim to appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX bank XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX Account # XXXX Account # 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.

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Product: Debt collection

I monitor my credit and received an alert from XXXX It shows a company called global radius solutions has placed a collection against me for {$670.00} for a company I have never heard of or used called XXXX XXXX physicians. I have never used this company - nor had I ever heard of XXXX XXXX until this. I googled the business and looked at the building, again, Ive never been to this company. I called and spoke to a receptionist and she had no explanation for why as they did not have me in the system. I dont know what more to say other than I have never. Been. To. XXXX. XXXX. Is it possible someone stole my information and used?! Why would someone do that I have no answer or if that is even logical all I know is I am not paying this bill. I pay my debts and bills if they are mine. This is not and will not pay it and I want it off my credit report.
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 XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the L

aw. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy and compliance of this listing. I requested that the reporting company provide me with any relevant information and supporting documentation on the following accounts XXXX XXXX XXXX XXXX, XXXX   XXXX but none of them responded in detail, all they send me a is a computer generated paper saying the accounts are correctly verified.. I have provided explicit documentation that proves the inaccuracy, yet bureaus continue to report incorrect information. CFPB remove this error and fix my acconts
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that my report has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Given the inaccuracy and the significant impact on my financial well-being. I demand the removal of all inaccuracies. This misreporting violates section 623 ( a ) ( 1 ) ( A ) of the FCRA. XXXX data breach. 

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

XXXX XXXX BANK XXXX details Paid off - Balance - Balance updated - Original balance {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed/Never late. 
Status updated XXXX XXXX Original balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX ontact info XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt, it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS FROM THE consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN NOTICE to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

The Fraudulent Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Enclosures : FTC Identity Theft Report Proof of Identity Request for Validation Letter Proof of Identity ( State ID, Proof of Residence ) Detailed letter of Identity Theft No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 
WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Without Recourse/ All Rights Reserved UCC 1-308 / 1-103 / 1-207
Product: Money transfer, virtual currency, or money service

My account was disable 2 weeks ago. Coinbase requested scanned copies of driver license and proved of address verification. Information was entered multiple times. I still have no access to my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted an identity theft complaint to Experian identifying an account that appeared that did not belong to me. This was submitted under Rule 605B and I noted the 4 business day requirement. I also spoke to the company who reported the account and they confirmed it was identity theft and they immediately submitted a request through e-Oscar to remove the account from my credit file with confirmation number XXXX. To date, Experian has not removed the account despite my identity theft report with all supporting documents AND the reporting company requesting that it be removed as well, nor have they sent me anything stating they would not block the information. This is severely impacting my credit rating and it is in direct violation of the FCRA and Rule 605B. I have spoken to Experian twice about this, and they say they have no way to confirm the confirmation number from the company and are generally rude about it. They are treating this issue as a regular dispute when it is not at all, and was clearly outlined in the letter I sent to them. 
I also sent them an initial letter on XX/XX/XXXX with a list of information and inquiries that were not from me and the result of identity theft. They did not do anything with the letter despite it being received on XX/XX/XXXX until XX/XX/XXXX when I called to inquire why they had not processed it. The agent I spoke to ( XXXX ) said she did not have an explanation because I submitted everything that was required, and she was able to remove several of the inquiries while on the phone with her. The XXXX XXXX account appeared on XX/XX/XXXX, but XXXX advised that I needed to resubmit the documents and a new FTC report on that account to experian.com/uploads. I did this while on the phone with her. 
For XXXX and XXXX, they also have the information about the fraudulent accounts and the identity theft report along with all supporting documentation. XXXX has removed inquiries but not the accounts. XXXX has done nothing at all. The lack of action or notification is also a direct violation of the FCRA and the Rule 605B regulation.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention my dissatisfaction with the initial attempt to correct a late open account associated with my account. 

Recently, I discovered that there is an issue with the opening date of my account, which has been reported as late despite my timely actions. Understanding that errors may occur, I promptly reached out to your customer service department to rectify this matter. However, my initial attempt to correct the late open account has not yielded satisfactory results. 

I have followed the prescribed procedures, submitted the necessary documentation, and engaged in discussions with your customer service representatives to address and rectify this issue. Despite these efforts, the matter remains unresolved, causing me significant concern and inconvenience. 

I understand that resolving such issues may take time, but the lack of a timely and effective response has led to increased stress and uncertainty on my part. As a valued customer, I believe in the importance of transparent and efficient communication to address and rectify such discrepancies promptly. 

I kindly request that you review my case expeditiously and take the necessary steps to correct the late open account associated with my account. Additionally, I would appreciate regular updates on the progress of the resolution and any actions being taken to prevent a recurrence of such issues. 

I believe in the commitment of your company to customer satisfaction, and I hope that this matter can be resolved amicably and promptly. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$4200.00}.
Product: Money transfer, virtual currency, or money service

PayPal limited my account for no reason and will not help me. I already submitted their requirements but still, I can't withdraw my money on PayPal. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just watch on XXXX that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step  up and fix this error
Product: Debt collection

During the time I was incarcerated ( XXXX ), someone fraudulently submitted applications in my name to XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery in XX/XX/2016. I have made several attempts and provided documentation to Portfolio Recovery showing that I was incarcerated during the time of this application. The FCRA prohibits information furnishers from providing information to a car that they know or have reasonable cause to believe is inaccurate. Section 623 ( a ) ( 2 ). In addition, when any furnisher of information is notified pursuant to Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt.