23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

US BANK IS REFUSING ME TO ACTIVATE MY VISA DEBT CARD VIA XXXX XXXX I NEVER SPOKE WITH THE REP NAMED XXXX XXXX I NEVER EVER SPOKE WITH HER ON THE PHONE ABOUT MY PREVIOUS CASES I OPENED AND WHEN I CALLED THE NUMBER US BANK XXXX CUSTOMER SERVICE THEY SAY THEY NEVER KNOW I OPENED A CASE BY DEFINITION OF A BUSINESS COMPLAINT ANY ONE WHO DEALS WITH YOUR COMPLAINT THAT PARTY HAS TO CALL THE CONSUMER BY PHONE THAT REP WHICH I STATED THE NAME THEY HAVE TO CALL AND GIVE THE INPUT TO THE CUSTOMER ABOUT THE COMPLAINT AND MY COMPLAINT WITH US BANK WAS NOT RESOLVED BY THE REP NOT DISCLOSE HER PHONE NUMBER TO HER OFFICE INCLUDING A EXTENSION NUMBER TO SPEAK ABOUT YOUR COMPLIANT NOT THE CUSTOMER SERVICE LINE IT HAS TO BE THE CORPORATE NUMBER WHO DEALS WITH COMPLAINTS
Product: Checking or savings account

XXXXXXXX PNC Bank XXXX  XXXX Identity Theft XX/XX/2016 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX Bank Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit inquiry from Kohls on XX/XX/2021. Inquiry stated wrong address input, further investigation required. 
I have no knowledge of this inquiry and no credit application was completed. Also, input address is not my current or previous address. Possible fraud.
Product: Prepaid card

I received a Vanilla Gift Card physically. On the provided website VanillaGift.XXXX  I clicked the link to validate and print the card, which loadXXXX XXXX XXXX XXXXvanillagift.XXXX  and shows a balance. I attempt to use this on XXXX ( using XXXX less than the full value of the card [ {$99.00} ] ). And the transaction is declined. The transaction failed completely, and no holding charge was made to my account. Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other odverse item of information, other than records of convictions of crimes which antedates the report by more than seven 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the account from NCB Management Services with account number XXXX which is attempting to collect a debt from me. I have never entered into an agreement or a contract with NCB Management Services which makes this a fraudulent account. This also is inaccurately reporting to my consumer credit report and is a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit and is having a negative impact on my mode of living. I demand for all forms of communication from NCB Management Services to cease and for this account to be deleted immediately.

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 a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer
Product: Credit reporting or other personal consumer reports

This company refuses to validate this debt. In accordance with 15. U.S.C. 1692C, my communication rights have been violated.

XXXX is reporting on credit bureaus unlawfully without proof of debt ownership. Under the FCRA, a company must ensure that the information reported to credit bureaus is accurate and complete.Reporting a debt without proof can be considered inaccurate reporting. 

The FDCPA requires debt XXXX to provide verification of the debt if requested by the consumer. If a company reports the debt without providing proof upon request, it may violate this requirement. 

This is part of a lawsuit and should be removed IMMEDIATELY or CFPB, XXXX, XXXX, and XXXX will all be coupbale.
Product: Debt collection

I received notification from XXXX that there was a collection on my account from Clark County Collection Services for XXXX XXXX XXXX XXXX in the amount of {$830.00}. I have never had a loan with the XXXX XXXX XXXX.
Product: Debt collection

I have submitted FTC report om XX/XX/year>, I wrote a letter asking to validate debt and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My car was repossessed from my apartment building in XXXX on XX/XX/year>XXXX  while I slept. I hold the clear title, no liens on it. 
I do not owe them or anyone money. 
I reported my car stolen and the police called me to inform me the car had been repossessed. They gave me the phone number of the company and the police noted that my title was clear and should not have been repossessed. They also noted that the name the towing company gave them did not match mine ( only name on the title ) VIN # : XXXX License Plate # : XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and opened up fraudulent accounts in my name. 

15 U.S. Code and 1681c-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 violate 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 1681bXXXX 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 CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!
Product: Debt collection

Enhanced Recovery Services has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, XXXX XXXX XXXX. XXXX XXXX XXXX knowingly sold a paid debt to another debt collector!
Product: Debt collection

Portfolio Recovery continues to contact me at my home and cell phone regarding a debt that I no longer owe. The original creditor XXXX XXXX, removed the negative trade line over one year ago because the statute of limitations of 7 years and 6 months had passed. I have exhausted all efforts to have the collection agency cease attempting to contact me. I have done so by writing the collection agency to address their dubious practice of illegally, and now unsuccessfully re-aging the original date of delinquency. I have spoken to several representatives, informed them that I do not owe the debt, and asked them to refrain from contacting to no avail.. I have informed the agency that I would attempt to seek legal remedies, beginning with the submission this formal complaint.
Product: Debt collection

This information was deleted off of my credit I was mailed a copy and XXXX XXXX who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with Clarkson Law firm advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew Clarkson and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.
Product: Debt collection

I received a notice on my credit report about this debt from a collection agency hired by XXXX XXXX last year. This debt is a billing error that is the fault of the medical Providers office. I have made them ( the XXXX XXXX ) aware, my Medical Insurance which was billed incorrectly and also XXXX XXXX yet they continued and took this to collections. 

This amount is not my responsibility and this same account was able to removed from my XXXX credit report, but not XXXX and Im waiting on the results from a dispute with XXXX. 

XXXX XXXX should work with the billing error at the medical office and correctly bill the right insurance. I do not owe them any money.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX 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: Vehicle loan or lease

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2018
Product: Credit card

On XX/XX/XXXX, I contacted Total Visa and Revvi regarding two accounts I had recently opened, each with a {$300.00} limit. Upon activating both had a balance due, due to fees. I paid both balances in full and used both cards several times. I paid both balances in full on XX/XX/XXXX. On the XXXX neither cars would work, and both showed no balance due, payments posted, and no credit available. I contacted both companies to find out why the cards weren't working. I was advised my payments were considered " suspicious '' and my accounts were deactivated until I could provide proof the payments posted to my checking account, along with a copy of my Drivers License. I submitted screenshots of the posted payments along with the ID photo and waited until XX/XX/XXXX. I called to find out why nothing has been done yet, and was told the " documents I provided are insufficient and they need my entire bank statement ''. I'm NOT giving my entire bank statement to a small credit card company to " verify my indentity '' when it's already been verified multiple ways ( social security number, photo ID, linked checking account under my name, etc ). 

So now I've paid fees to both of these companies for cards that are useless. The cards have no security features ( chip, tap, etc ) but they claim this is all in the interest of " account security ''. It feels like I'm being punished for paying my bills on time.
Product: Credit reporting or other personal consumer reports

Checkr is a third party company hired by many XXXX  platforms in order to complete their required background checks and mvr. 

They are utilized by XXXX and XXXX XXXX, the companies I previously worked for. However when a recent random background check was performed I received a pre adverse action notice from XXXX  referring to my background check and pending charges. 

I live in Pennsylvania and XXXX is not permitted by law to report pending charges. Only convictions. They continue to include this information and subsequently Ive lost my job.
Product: Debt collection

After clearing some debt on my credit report a random debt from " XXXX XXXX XXXX '' shows up from Jefferson Capital System which does not belong to me. I contacted them and they can not give me any useful information on this account. This needs to be removed and Jefferson needs to stop harassing me on false accounts. This is not the first time and at this point I feel like i am being scammed.
Product: Credit reporting or other personal consumer reports

Experian now has stolen XXXX  months of on time never late payments to XXXX and refuse to give them back. Overwhelming evidence that Experian is deliberately engaging in these tactics to retaliate against me for filing these complaints
Product: Checking or savings account

I signed up for a savings account with Citi Bank under the premise that they will provide a promotional bonus of XXXX dollars upon my deposit of at least XXXX dollars and keep it in the account for 3 months. I met this requirement and it has been 7 months and I have not received any bonus amounts. I have reached out to Citi for this, and they are requesting a promotion disclosure document as evidence. I did not receive such a document as Citi had advertised this promotion to me on their " Offers For you '' section on their webpage. 

I feel very misled by Citi ; it is simply impractical to keep screenshots and documentation of my internet browsing history, just on the off-chance that a banking institution requests this proof to honor their explicit offer to me.
Product: Debt collection

I have disputed this LVNV Funding LLC on my credit report in XXXX XXXX XXXX for the amount of {$900.00}. I have no knowledge of this account and have asked repeatedly for a debt validation letter from the collection agency and the original creditor they have listed.
Product: Credit card or prepaid card

I applied for the Apple Card on XX/XX/2020, I got a denial due to only one reason : " You have recently been past due ''. 

This is NOT true! I checked my XXXX  credit report and there is NO lates in the last 7 years? It said I had a score of XXXX, I don't know how someone can have that score with " past due payments ''. 

Please review and correct, thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy Filing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the date last active which is a violation of the FCRA. All data furnished should be consistent and accurately reporting. There should not be XXXX different dates reporting to both XXXX and Transunion. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2022 so I am confused as to why this information is being furnished to XXXX and Transunion. I am enclosing a copy of my credit report. Please remove this account from my credit report XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had several customers send payment using cash app over the weekend of XX/XX/year>. When I went in to accept these I noticed about XXXX transactions failed. When I contacted support they kept giving me the run around and said to try again later. When I called them to speak with an actual person they said that I exceeded the amount of transactions I can approve. I asked what was my limit and they could not provide that. I then asked how do I retrieve these funds and they said I would have to request the money from all XXXX people. They already got the business so there is no way I can trust that they would be willing to pay. So therefore I lost {$420.00}. I said how was I suppose to know I could not accept that many transactions and they said unfortunately our terms changed and we did not send email blast or any notifications. This is unacceptable.