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

In XXXX, I filed a dispute online with each of the three major credit bureaus, disputing several items erroneously reported on my credit report. XXXX conducted a proper investigation, found those items were unable to be properly validated, and, rightly, removed all items. Transunion, however, did NOT remove three of the items which were disputed. 
On XX/XX/XXXX, I sent a letter via priority mail express to Transunion which asked them to reinvestigate AND provide all documentation showing why they believed the debt to be accurate and belonging to me. I did not hear back from them on either request for these three items within 30 days ( for the reinvestigation ) or 15 days ( for the request for documentation.. 
On XX/XX/XXXX, I sent another letter via priority mail express to Transunion notifying them of their failure to respond to the investigation request and the documentation request and requesting that they immediately delete the erroneously reported items. 
in a letter postmarked XX/XX/XXXX ( three days after the 30 day deadline ), Transunion responded with the same response I received in XXXX, no additional information or reinvestigation, and no documention. 
I have no contract with these three companies which Transunion is reporting as negative on my credit report. Transunion has failed to properly validate these items which were erroneously reported on my credit report. Transunion has failed to validate these items within the 30 day timeframe allotted by FRCA. Transunion has failed to provide documentation of validation within the 15 day timeframe allotted by FRCA. 
Please intervene on my behalf with Transunion, as these three accounts have negatively effected my credit, resulting in my family 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 SENT XX/XX/2019 Client Services Incorporated ( CSI ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO., XXXX REFERENCE NUMBER : XXXX ATTN : XXXX XXXX AND/OR Client Services P.O. XXXX XXXX XXXX XXXX, MO. XXXX ATTN : XXXX XXXX RE : FOLLOW-UP COMMUNCIATIONS TO CEASE AND STOP XXXX XXXX XXXX XXXX ( XXXX ) Complaint ID XXXX and Internal Revenue Service LTR XXXX of identity theft claim Dear XXXX XXXX and XXXX XXXX, This letter is sent to Client Services Incorporated to cease and stop due to Client Services Incorporateds fraud, lying, and violating debt collection laws in the state of New York. 

Please stop hazing me immediately. Hence, Client Services Incorporated is charged with past due debt fee of {$5000.00}, for the costs of my legal investigation fees, losses, Citibanks negligence, and my Personal Identity Theft protection. 

Client Services Incorporated has misused my name, identity, and is to cease hazing me. 

Citibank is aware of the fraudulent charges in XXXX XXXX  XXXX XXXX and XXXX which caused identity theft and fraud. 

This is my notice to Client Services Incorporated of a debt collection notice that is going to be past due in three days from the date of electronic notice of XX/XX/2019, in the amount of {$5000.00}. 

XXXX and Client Services Incorporated failed to care and investigate properly thus committed fraud, and lies. 

Respectfully yours,
Product: Checking or savings account

I had a business account with Bank of America and there was some fraud on the account outside of my control. My account was closed without an explanation and it put great financial difficulty on my business.
Product: Credit reporting

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX ; XX/XX/2022 ) has led me to believe may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest onvenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission. Please see attached Federal Trade Commissions Identity Theft Affidavit in regard to this incident. I have also attached a PDF reflecting all inaccurate items. Please review the enclosed documents, investigate these matters and remove the disputed items ASAP. Also, please do not add any type of fraud alerts on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received info from XXXX stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
Product: Payday loan, title loan, or personal loan

This company reported incorrect information to the credit bureaus for almost 3 years. Since they have now updated my account to reflect that actual balance at {$0.00} it has negatively affected my credit scores. They need to delete the record from all bureaus due to their error. They caused my credit scores to drop due to their reporting error. I am trying to get a mortgage they have now hindered that process doe to their mistake.
Product: Debt collection

Portfolio recovery XXXX ( XXXX ) XXXX keeps calling on weekends, after normal business hours ( around XXXX during week day ).
Product: Debt collection

This company, National Recovery Agency, continuously texts and calls at all times of the day and night even at XXXX. They recently violated the FDCPA 7 in 7 rule when they contacted me eight times within less than five days. And they dont care what time of the day or night. 

Friday, XX/XX/2024 - texted total of 3 times Tuesday, XX/XX/2024 - texted total of 4 times. Started texting at XXXX and texted 3 times within the next XXXX minutes. Then texted again at XXXX ( rules state not past XXXX ) Wednesday, XX/XX/2024 - texted XXXX time at XXXX. The eighth time in 5 days and again, outside of the designated time frame for contact. 

After they woke me up with that text, I texted back informing them that I would be filing a claim and contacting my attorney.
Product: Credit card or prepaid card

I received a Well Fargo - XXXX XXXX XXXXXXXX XXXX XXXX in the mail yesterday. I never applied for this card and when i try to call the company and report this i get the XXXX XXXX store CC dept. I can't call the XXXXXXXX XXXX  dept until Monday morning. If i am trying to report a fraudulent card, i should have access to someone 24 hours a day
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card

I truly do not like filing this complaint against PenFed, overall they provide a great product and their representatives have always been respectful. However, their needs to be a policy change on how Balance transfers to Navy Federal Credit Union are handled. 
On XXXX/XXXX/2017 I took advantage of a promo to transfer balances at 0 % interest for 12 months. 
I transfered {$2700.00} to my Navy Federal credit Union account and provided all the correct information. However, the balance transfer was mailed to XXXX. Now XXXX separate reps. for Pended has informed me this is Penfed 's mistake and is will takes weeks or longer to receive the check back. 
My complaint : if Pended ; s recognizes this is their mistake, why are they not take responsibility. why is the {$2700.00} still on my account and deducted from my available credit. Why has n't PenFed simply stop payment? I am unable to reassure that balance transfer until the account is credited. 
Lastly, why are the balance being reported to the credit bureaus including the {$2700.00} balance transfer?
Product: Checking or savings account

Chase has placed a hold on a paycheck that I deposited through their mobile app for 14 days. They notified me via e-mail hours after check was deposited then accepted, that I wont have access to the check till 14 days hold is over. I can see the amount under transactions on hold in the mobile app. 

This is unacceptable as I need the funds ASAP, I usually get them through a direct deposit with my credit union. But I got a physical check this time and tried depositing it with Chase for the first time and got into this mess I have contacted Chase a couple of times and walked into a branch, but the emergency nature of needing the funds and not being able to wait for 14 days has this as my only option Date XXXX Amount {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, Has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Fay servicing switched my billing statements to paperless without my approval or knowledge. I did not pay XX/XX/year> and on XX/XX/year> I contacted them to make a payment and they would not accept it. They stated they had to get a payoff amount from the attorney and the assessed extra 4 % daily late fees. Today is XX/XX/XXXX, they still will not accept a payment and now say that I have to wire the funds from my bank and are continuing to charge me daily late fees and say that I will hear from them on Monday, XX/XX/year>. 

In the first phone call, they stated that all their mortgages went to paperless and that they have others like me that are complaining of not getting the bills. I wonder how many little old ladies are out there and their homes are being taken from them ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX under the account number ( XXXX ), an collection originally owned by XXXX XXXX  and sold to XXXX XXXX XXXX account opened by XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is from XX/XX/2016

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.
Product: Credit card or prepaid card

I reported an identify theft that occurred XX/XX/2020 to the police and Citi Visa. Citi Visa has not cooperated in lawful reimbursement for these charges.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. XXXX XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX XXXX  ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) XXXX. XXXX XXXX XXXX ( Account number : XXXX ) XXXX. XXXX ( Account number : XXXX ) Inquiries : ( XXXX XXXX - XX/XX/XXXX ) ( XXXX  - XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ) ( XXXX  XXXX - XX/XX/XXXX ) ( XXXX  XXXX - XX/XX/XXXX ) ( XXXX XXXX - XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ) ( XXXX- XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX  documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Product: Debt collection

XXXX XXXX XXXX told XXXX XXXX a false statement said unauthorized transaction get me Owe {$4000.00} to Discover. I can not afford to pay {$4000.00} XXXX XXXX was doing XXXX with XXXX for two months but I'm going to defend discover and my credit report I got proof that XXXX XXXX is doing bank fraud
Product: Debt collection

In XX/XX/XXXX, XXXX sent me a bill for {$880.00} that was not even displayed under my account. I immediately contacted XXXX and let them know of the discrepancy, but they insisted that somehow the {$880.00} was my debt despite the account number not belonging to me. The " debt '' displayed my name and address but the account number was different. I continued to receive statements for this account number and continued to call, trying to get to the bottom of this matter. In XX/XX/XXXX, I received another letter from XXXX stating that whatever balance that was in the mystery account had been transferred to my father from my step mother back into XX/XX/XXXX. As I have the title of XXXX, this was when I realized that the debt was possibly my fathers, as our first and last names are the same, and XXXX somehow missed the small differences in our names ( middle names and title ) thereby mixing up our account billing addresses and assigning the debt to me. In a follow up letter, from XXXX XXXX a XXXX executive member of the Relations team ( contact number XXXX ),  they recognized their error and issued an apology for all inconveniences and provided me with a name and number to contact for a follow up or to address any questions : XXXX XXXX at XXXX x XXXX. When I continued to received calls and bills, for the account number that had just been identified as my fathers, claiming that the debt was mine and continuing to charge me for the same debt - an issue I thought had been resolved - I proceeded to contact XXXX at the number provided. But it was to no avail as I never heard from XXXX or any other XXXX representative despite my many attempts and many voicemails. 
Present day we are in XX/XX/XXXX, and every month I am still receiving calls and statements from collection Agencies regarding this same debt for the account that has already been identified as not mine!!!! I am a very busy person and I have no extra time as it is, especially to be fooling around with these kinds of issues that have taken YEARS so far to resolve. This particular matter is especially disruptive to my personal life because two months ago I needed to acquire a loan for a new vehicle and it was then that I realized that my credit is totally destroyed from what it had been. Thus, this has gone too far and I am now taking the time to write this out because this has to stop. Trying to talk to XXXX clearly did not work, and hasn't for the past six years!!! I am asking you please to intercede in this matter because clearly XXXX has no interest addressing this issue with me alone. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX stated they transferred this tradeline to XXXX XXXX XXXX as of XX/XX/year> However this tradeline is still on my consumer report as XXXX XXXX XXXX. This is inaccurate false and misleading. IF YOU DO NOT DELETE THIS INACCURATE ACCOUNT I WILL LITIGATE
Product: Credit reporting or other personal consumer reports

I HAVE PERSISTENTLY CONTESTED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AS OF NOW. 


XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Experian : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX
Product: Debt collection

Midlantic credit management repeatedly calls my phone harassing me causing so much stress an XXXX. XXXX XXXX XXXX  is the is the company the debt came from. Midlantic credit management is a third party
Product: Credit card or prepaid card

I opened an American Express Starwood Preferred Business Card in late XX/XX/XXXX due to the enticing XXXX open account reward promotion. I have met the spending requirement of XXXX dollars in XX/XX/XXXX, however, the reward points promised never showed up in my Starwood Reward Program account, where my previous points from the American Express cards appear. Three attempts to communicate with American Express were made roughly 1 month apart starting in late XX/XX/XXXX. Each time, I was promised the points will be awarded. To date ( XX/XX/XXXX ), three months after the requirements were met, I have not seen any rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$210.00}
Product: Debt collection

Debt placed on my credit report but is not mine. Have never received any communication about debt and when I called collection company they could not locate information and stated they could not help me and hung up. Filed dispute with XXXX and there findings say it is viable so I asked how could they call it viable when I could not get any info about the debt. 
This item had been placed on my credit before by another collection company and later removed when I notified them it was not my debt. The company that placed the account for collection is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX. They were trying to collect for an address in XXXX IA and had a collection company called XXXX XXXX who also placed it on my credit report. I ultimately disputed the item since it did not belong to me. I have resided at the same address in IL for the past 17 years and never lived in IA. I sent a fraud report to XXXX and they removed the item from my report and informed XXXX XXXX. I thought this was the end of the issue until it showed up on my report placed by I.C. System Inc XXXX who I contacted and would not help me because I do not live in XXXX IL and they hung up on me. I have disputed this item twice thru XXXXand there reply is it is a viable debt. I cant understand this decision since I can't get info from the collection company what type of info did they get. Other than this showing up on my credit report and dropping my rating by 70 pts and causing my Credit Card Companys to drop my credit line and making it impossible to get loans I have not received any bills or notices of collection from XXXX or IC Systems. 
I had my wallet stolen several years back and have a police report to verify the instance. All my IDs were in it along with my SS card. XXXX has been of no help and they do not provide a thorough investigation and XXXX and IC systems refuse to listen or provide info but were quick to place on my credit report. If XXXX would require proper IDs when establishing services this situation would not occur.