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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account opened at XXXX XXXX and or XXXX XXXX  on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Checking or savings account

went to b of  America  in  XXXX  to transfer my ira that was due to mature on  XXXX / XXXX /  XXXX   and the bank stated that I had to pay  XXXX  transfer fee
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX XXXX  - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Gulf Coast  Collections sent me a collection notice the month I contacted  XXXX   XXXX   XXXX  Hospital,  XXXX   XXXX   XXXX ,  XXXX  Florida to pay my out standing ER visi t copays.     At the same time I purchased my current credit reports from  XXXX , as well as XXXX  and  XXXX . I found that  one  payment eliminating {$75.00} worth of copays had not been reported to the credit reporting companies. A hospital bill for {$960.00} was reported as unpaid while  XXXX   XXXX   XXXX  billing department said it was completely bogus and nothing existed in my account for that amount let alone that a {$960.00} bill was in arrears.  Gulf Coast Colections in sisted It was my bill. Plus they insisted instead of the original  XXXX   ER visit s once unpai d Gulf Coast ad ded  XXXX  more, making a total of  XXXX   ER cop ays unpaid. Originally  XXXX  were unpaid. As mentioned above I had just paid  XXXX . I made a payment of {$100.00} to  Gulf Coast Collections an d told the gentlemen I was going to contact the hospital 's billing department to verify what was truly unpaid. Now my outstanding bill I owe to  XXXX   XXXX   XXXX  should be {$120.00}.     My intent was to infor m Gulf Coast C ollections of the correct amount in arrears and ask them to correct my credit reports with all the Credit Bureaus.     I call ed Gulf Coast Col lections who previously refused to remove any of the erroneous debts. This time they told me  XXXX   XXXX  took their account back fr om Gulf Coast.I I asked Gulf Coast Co llections to remove their records from all  XXXX  credit bureau reports since they are no longer handling them.  Gulf Coast Collections refused to advise the bureaus of the errors. GULF COAST COLLECTIONS   REASON FOR NOT REPORYING HONESTLY : They said I had not paid the ( erroneous ) bills so, they were sorry but they would not remove them. I told them that since they , Gulf Coast Collections,  are no longer responsible for collecting those debts, to take them off my credit reports.They said NO! They refused to even correct the errors which existed prior to their having the account removed from their business.     WE HAVE A BROKEN SYSTEM OR CRIMINALS DESTROYING OTHERS CREDIT STANDING.   WHICH IS IT?   OR IS IT BOTH?     PS. Your form has a software but in it! Social Security field cross not recognize  XXXX  digit  XXXX  if entered correctly. You have to deselect checkbox for providing your double-digit SSN to continue.
Product: Bank account or service

Something in the last 30 days has been changed regarding receiving XXXX through Chase Bank. They implemented a new automated procedure that disallows the recipient to 1. not receive a payment and 2. to choose what bank account will receive the payment. I would like the option to accept XXXX at my leisure AND at the same time have the option to choose which account the payment will be accepted ( as was prior to the last 30 days ). I have multiple accounts of which receive payments each month. In the past, I had the option to change the " default account '' to accept the payment into the chosen account. With the Chase Bank new set up in the past 30 days, this is NOT possible. The solution would be to have an onLine option to CANCEL the NEW automated feature so that those who need to cancel automated receipt of XXXX, that option would be available. I also can not believe that it is LEGAL to mandate that a recipient MUST receive electronically any payment. Makes no sense to mandate any recipient to receive funds. Please advise and thank you.
Product: Checking or savings account

XX/XX/XXXX -Payroll check was deposited. As soon as check was deposited Chime closed my account. When I called to ask why they said they couldn't give any information. 

XX/XX/XXXX - called Chime again. Spoke with rep asking why account was closed and where my money was that was in account. She insisted she couldn't give that information. Asked to speak with her supervisor after arguing she transferred. The gentleman said he couldn't give any information but was not eligible for refund. When asked why and said it's illegal to keep money he argued and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Money transfer, virtual currency, or money service

Hi good day, I'm XXXX XXXX XXXX from XXXX XXXX XXXX XXXX last XX/XX/2023. I send money from XXXX XXXX in XXXX using Ria. I send my money to my account in XXXXXXXX XXXX in the XXXX but my money is not went thru to my account and then I call ria they said there are some problem with account number and my bank send it back to ria and I said it's impossible I got mistake with my account number because this my second time I send money from XXXX XXXX and I used XXXX XXXX that time. And then I ask them can we correct this account number and send this money originally to my account name and bank which is XXXX to solve this mistake, and they said no, they say I need to go back in XXXX to refund the money, which I can't do that because I'm in XXXX and the ship is XXXX too. And they said the only I can do is go back to that store and refund the money. For me how many times I call and I send an email to them to solve this problem.Its looks like they don't want to help me to solve this problem.the HR team are willing to help me for any supporting documents they need. I hope you can help me regarding this matter. Thank you
Product: Credit card or prepaid card

I have submitted several complaints to this company about this issue. This account has been closed for two years now. The status they are reporting is charged-off bad debt. Someone, some person or representative of American Express with the authority to open and close accounts has been reopening this account and reporting it as 30-days late, then closing it. This activity on a closed account causes a fresh ding to my credit score every time some reopens the account and closes the account. I have credit monitoring and they have reported this information to me. I am attaching my evidence from the credit monitoring agency that American Express is reopening this account and reporting it as 30 days late, for XXXX and XXXX, 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to rectify this 2 other times : In accordance with the Fair Credit Reporting Act Section 609, Section 611 and Section 604, I am requesting that you DELETE the following INQUIRIES as I DID NOT authorize them : INQUIRY XXXX XX/XX/2018, INQUIRY XXXX XX/XX/2018, INQUIRY XXXX XXXX XXXX XX/XX/2018 Furthermore, In accordance with the FCRA, I request A detailed explanation on how you conducted your investigation, the names and addresses of the businesses you received your information from in relation to the investigation. I request all of this information within 30 days. Also, I would like a corrected copy of my credit report!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Credit card

1st order was placed on XX/XX/XXXX via XXXX XXXX I returned the item see tracking number via XXXX XXXX package was received by you on XX/XX/XXXX I than placed another order with Navy Federal Debit card. Same item same price {$89.00} on XX/XX/XXXX when that order was cancelled with Navy Federal and funds were placed back into my account your company assumed that was the refund for the first order which was attached to XXXX XXXX  Any refund should have been returned to the original form of payment which is the XXXX XXXX order. As God is my witness I have not received a refund if I am lying I hope to XXXX but if you refuse to give an innocent man his hard earned money may you receive XXXX  upon your doors. You are lying I am not requesting a refund of {$140.00} I am simply requesting my {$74.00} thats it thats all..
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my Transunion credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Transunion credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Transunion mistakes on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the handling of the multiple attempts to remove fraudulent items. It is essential to address this matter promptly and thoroughly to uphold the integrity and fairness of the process. 

Despite the repeated attempts made to remove fraudulent items, I am deeply disappointed with the outcome of the multiple attempts. The presence of these fraudulent items not only undermines the credibility of the process but also erodes trust and confidence in the integrity of the proceedings. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence among all stakeholders. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company called everyone I know and left them voicemails about my case. They called 4 of my family members, before they called me to tell me about the debt being collected. 

In addition, they claim that they mailed me information about the debt but I have not received anything. 

They are operating in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I pull a copy of my credit report after I was denied credit. I found out that I had alot of hard inquires that I didn't do as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX twice, XXXX XXXX XXXXXX/XX/XXXX twice, XXXX XXXX XX/XX/XXXX. 

I also filed a complaint which I have attached to my claim.
Product: Credit reporting or other personal consumer reports

Please update the following accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account # XXXX because this account is only reporting on my XXXX and my XXXX credit report. It has been removed from my Experian account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC 6802 ( b ) ( c ). Please remove this account from my XXXX and XXXX credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : XXXX validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ). 
XXXX. A copy of the original contract with verified signatures binding both parties per UCC 3-505. 
XXXX. All Payment History XXXX. All charges with my signature or digital signature
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute an error on my credit report, which I recently received from your bureau. 
The inaccurate information concerns XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Upon reviewing my credit reports from the other XXXX major bureaus- XXXX  and XXXX| found that this information is not reflected on those reports. The inconsistency between the reports from your bureau and the others leads me to believe that the information being reported on my file with your bureau is incorrect. 
I respectfully request that you conduct a thorough investigation of this matter and correct the error on my credit file. Under the Fair Credit Reporting Act, you are required to investigate and resolve disputes within 30 days of receipt of this letter. Please inform me of the outcome of your investigation and send me a corrected copy of my credit report if changes are made. 
I have provided a proof of the deleted items as well as my identification. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit card

Purchased scarf from XXXX for {$4700.00}. Returned XXXX. Never received refund. Please see additional details below : {$4700.00} XXXXXXXX XXXX Return Order of events with approximate dates : XXXX XXXX XXXX  - XXXX  was ordered from XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX account was charged XX/XX/XXXXXXXX XXXX XXXX XXXX - A return request was submitted prior to delivery XXXX XXXX XXXX - XXXX  was delivered to home XXXX XXXX XXXX - XXXX  was requested for return and dropped off at XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX I spoke with a USAA representative that instructed me to provide and include the following : I have confirmed with XXXX and XXXX XXXX the seller gave a false bar code to track the package. 
I have attached possible receipts to the XXXX drop off of this item. ( I'm unable to confirm which receipt belong to which item ) I have attached screenshots of what I'm seeing on XXXX 's website under this item