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

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Santander Consumer is reporting 90 days of being late, which is absolutely false. All payments were made on time or early as I had automatic payments. The account has been paid in full for a couple of years, but this still impacts my credit. The company needs to correct where they state I was late.
Product: Debt collection

Emailed Midland Credit Management inc to advise of identity theft of the debt owed and requested the company to provide purchase agreement. The company filed a lawsuit without providing the appropriate documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 6XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Iamwrittingthisduetonon-compliancewiththe(XXXX,XXXX,TransUnion).theyhavefailedtoremoveinformationthatwasaffiliatedwithpersonaldetailsthatwerechallengedinthepast.IstronglybelievethattheyareinviolationoftheFCRAandareoutrightrefusingtoupholdthelaw.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a request to have the fraud alert removed from all 3 credit bureau but XXXX   removed the fraud alert and then send a request to have a fraud alert added to Transunion & XXXX  by eletronic notice I did not ask them to do so I have enclosed a letter from XXXX  where there admitting that they did this
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

Capital one bank USA N Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX bank Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am writing to bring to your attention a pressing matter that requires your urgent assistance. Several accounts listed on my credit report are inaccurate and have been negatively impacting my creditworthiness. Despite my best efforts, I have been disputing these inaccuracies by mail since XXXX, but to my dismay, the issue remains unresolved as we now find ourselves in XXXX. 
The presence of these inaccurate accounts has had severe consequences on my financial standing, affecting my ability to secure loans, obtain favorable interest rates, and even impacting my job prospects. I firmly believe that these errors are causing undue distress and are not reflective of my true credit history. 
Throughout the past several months, I have diligently followed the necessary dispute procedures and provided all relevant documentation to substantiate my claims. However, it seems that my efforts have not yielded the desired outcomes, leaving me frustrated and discouraged. 
I kindly request the CFPB 's intervention to expedite the removal of these erroneous accounts from my credit report. I have retained meticulous records of my correspondence and can furnish any additional information you might require to facilitate the investigation process. 
Your support in resolving this matter would be immensely appreciated, as I am eager to restore the accuracy and integrity of my credit report promptly. Please let me know if there are any further steps or documentation I should provide to expedite the resolution process. 
Thank you for your attention to this critical matter, and I eagerly await your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted several time XXXX XXXX and CAPITAL ONE BANK to remove bank accounts from my credit report that they had agreed previously to delete after I paid the owed amount, it has been several months or almost 2 years since I paid those and they are still reporting then to all credit bureaus as charge off - paid but has not removed as they verbally agree to get then remove. 

I have also submitted several letters to the credit bureau asking them to remove the information from my record and they always reply back stating that it was not me who submitted the letter even though I have provided my personal documentation.
Product: Credit card or prepaid card

I received my stimulus money in form of a Debit card from Money Network Cardholder Services on XX/XX/2020. I tried to call their Customer Service number XXXX. 
I wanted to speak to a customer service person, but was not able to do it. The machine said that you can reach customer service, main menu or to activate your card by pressing " XXXX ''. I did, but was never able to reach the main menu or customer service. I was forced to enter my card number, 6 digits of my Soc. Sec. and had to select a pin to get on with the system. If I did not do it, I was disconnected. After activating my card I was not able to do anything else and was disconnected again. 
I wanted to transfer the money into my checking account, but to do this I had to have a computer and sign in to the Money Network Cardholder Service. They are not the government and I have no idea what they will do with my information I had to give them. 
I am retired and receive Social Security. I have my Social Security directly deposited into my bank account. Why has the government created this obstacle for us retired people when we were promised to receive the stimulus money through directly deposit into our bank accounts?
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with your bureau 's ongoing failure to address my concerns regarding the unauthorized inquiries on my credit report. This is now the multiple time I have reached out to you about this matter, and yet the inquiries remain unresolved, which reflects poorly on Equifaxs commitment to accuracy and consumer protection. Despite providing all necessary documentation to support my disputes, your lack of action is both disheartening and unacceptable. 
These inquiries were not authorized by me and should never have been allowed on my credit report in the first place. By failing to address this issue, Equifax is perpetuating harm to my creditworthiness and undermining my trust in your ability to manage sensitive consumer data. 
The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct thorough investigations into disputed items and ensure the accuracy of the information they report. However, your repeated inaction suggests a disregard for these obligations and for my rights as a consumer. 
I am demanding the following actions be taken immediately : 1. Removal of Unauthorized Inquiries : All inquiries I have previously disputed as unauthorized must be promptly removed from my credit file.

2. Written Explanation : Provide a detailed explanation of why these inquiries have not been addressed despite my repeated attempts to resolve the matter.

3. Implementation of Preventative Measures : Assure me that steps will be taken to prevent unauthorized inquiries from being reported on my credit file in the future. 
This prolonged and unresolved issue has caused me unnecessary stress and frustration. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired over {$5000.00} to a chase Bank account to rent a house it was a scam. And when i went to Chase bank and told them what happened they would not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. {$23000.00} XX/XX/2017 I disputed it and Experian and XXXX Will not remove it from my credit report the company is not responding to me XXXX removed it already. They are Violating my Consumer rights I have been taking advantage of and effecting my buying power and Betraying my reputation.
Product: Credit reporting or other personal consumer reports

I owed a collection agency, XXXX XXXX also DBA as XXXX XXXX XXXX. I paid them the balance i owed. they wrote me a letter stating that the balance was paid and that they will request any negative information be removed from the credit reporting agencies. i am attaching the letter. It is still showing up on my credit report! Transunion and XXXX are not updating it even though i am showing them the letter. I paid {$3800.00} and expect the company as well as XXXX  and transunion to remove the information as detailed in the agreement between me and the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Wells Fargo keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until XXXX sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED WF  credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. Wells Fargo denies any further fraud after their investigations. I will forward copies of all of it to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Product: Debt collection

I got a call from someone 0n XX/XX/19@XXXX XXXX seeking some $ 600+ amount on behalf of XXXX . I asked details etc, XXXX, etc and they refused to give me. Just saying we are a law firm. I said ask XXXX to first contact me, I need to know what the collection is for but all the person got upset saying I am going to record it as non-cooperation. I don't know if this is a scam or what. Who pays without proof of what the payment is for? How come if XXXX says, we owe them, not reached out to me over the phone since I had an account with them? I am willing to pay if it's something we owe only after verification of the same, quote, etc. Don't know why they will not give me information or XXXX will not call directly first if we owe them the money. Please help. We have a clean reputation since 1999 and certainly don't entertain threatening phone calls with no proof. 
I filed a complaint with XXXX case # XXXX. I informed XXXX and they replied to me as per this, there is no debt we owe. 

Hello, I have talked to our credit department and Mr XXXX does not have any open invoices with XXXX XXXX. 
Thank you! 
Please let me know if I can assist you further. Thanks for choosing XXXX XXXX! 
XXXX XXXX Customer Service Specialist XXXX XXXX XXXX XXXX, IA Office : XXXX XXXX The caller kept on repeating he is a lawyer. My phone showed him calling from XXXX - Levinton Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Experian 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$14000.00}
Product: Checking or savings account

I deposited a check via mobile check deposit with Chime on XX/XX/XXXX and received an email from chime stating " We have to make sure the check does not bounce and will be available to you by the end of the day on XX/XX/XXXX. '' Funds were taken out of my employers bank account on XX/XX/XXXX. I called them on XX/XX/XXXX and again on XX/XX/XXXX and they keep telling me that the money will not be available until XX/XX/XXXX and there is nothing they can do. This has caused me to get payment extensions on bills that are due and borrow money for gas to get to work. This has cause me unwanted stress in already stressful times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted Clearone Advantage to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give ClearOne consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I had certified mail a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. Bridgecrest had continued to violate my rights. On XX/XX/2023 I had received a bright yellow colored envelope in the mail. The contains in the envelope was a response from my CERTIFIED MAIL. Below are actual documents from Bridgecrest. Im the envelope Bridgecrest didnt send me the information that I had requested from the company. Instead Bridgecrest had sent a copy of the alleged vehicle loan. Below are information in which would help with this investigation.
Product: Debt collection

Portfolio Recovery Associates is currently trying to collect 2 different debts from me in which both accounts were paid in full. These accounts should not be currently reporting anything to the bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has RE-AGED the length of my credit history from 11 Years 3 Months to to only 4 Months. This practice has resulted a denial of credit, creditor stating specifically that it's because of the age ( 4-Months ) of credit history. I have attached evidence of my credit reports from all major credit reporting bureaus, including Equifax before they did RE-AGING of my credit history a month ago.
Product: Checking or savings account

There was an unauthorized charge on my account which I notified the bank as it came to my attention. When I called the bank the bank informed me that I was unable to file a dispute because it was not filed the same day the transaction happened. I questioned that logic as a small business owner, however, Citizens repeated. I filed a XXXX  and a member from the Office of the President contacted me and stated it was due to XXXX, however, XXXX is governed by Title 31 ( B ) ( ii ) ( A ) part 210 which governs reversals, not disputes. In fact, disputes are covered and protected under Regulation E and it appears citizens bank does not want to comply with Regulation E or cant. Citizens bank just got fined over XXXX XXXX  dollars for failure to follow bank regulations regarding credit cards and now it appears they have shifted their non-compliance to regulation E and attempted to utilize Title 31 ( which has nothing to do with it ) as an excuse.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/2023, I was paid from a settlement directly to my zelle. Upon opening the app to accept my funds I was told My account was permanently locked. I called, and was told they do not accept my cards anymore ( no email or text was sent telling me about these changes. ) They would not tell me why I wasn't told, they would not tell me why things changed. They would not help me access my funds and kept giving a run around answer ( we do not support your bank anymore ). As I've said nothing has been sent explaining any reason to any of this all of a sudden change. When I've been receiving funds just fine with my card on their app. They say they do not have any more information of mine and never have, yet I've used their app multiple times and my information was there. Now all of a sudden, it's permanently locked and they can't and won't do anything. Making me and my kids suffer and have to wait for them to send the funds back and to get a check from the sender. ( Process about XXXX months ) this is absolutely obsurd. Had they had communicated with their customers I wouldn't be as mad. But the ignorance and refusal of a decent answer is absolutely outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$30000.00} Updated on XX/XX/2022 XXXX