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

At the beginning of XX/XX/2022 an account with XXXX XXXX was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted XXXX XXXX Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on XXXX XXXX website XXXX but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into XXXX XXXX isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I called Creditors Bureau USA on XXXX 2021 to try and gather information on my credit accounts such as dates of the services. XXXX XXXX was the rep who was speaking to me. He asked for my personal information ( e.g. phone number, date of birth, etc ) I politely declined and he then refused to give me the information on my own account. Even though I had the account number. He tried stated that this is, " a company wide policy. '' I asked to speak with a manager and he put me through to XXXX after being rude and short with me on my refusal to give me my personal information. I told XXXX that per the XXXX it is not mandatory for me to give my information and it is not ok for XXXX to try and claim I need to give it in order to get my information. He tried to apologize and said it was not a policy and he would speak to him. I informed him I would be putting a complaint in and that this was unacceptable.
Product: Checking or savings account

I received a direct deposit to my account but shows XXXX XXXX XXXXXXXX XXXX  my deposit is for XXXX  that was issued into my credit karma account but they have no idea when or where it is or when my funds will be there I've spent 2 days callig emailing chatting nothing is resolved I urgently need my money please help I cant even speak to a supervisor and they keep giving the run around without an explanation or unanswered questions about my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank doesnt what to provide me with a letter of payoff no more debt with them
Product: Debt collection

Subpoenaed XXXX XXXX XXXX to produce record of information it submitted to MrsBPOLLC re : fraudulent, delinquent XXXX Account # XXXX which resulted in me being victimized by their collection tactics. MrsBPOLLC is not a party to this action, however, MrsBPOLLC disclosed my confidential information without my knowledge or consent. MrsBPOLLC has not closed account, has not acknowledged that debt does not belong to me, and has not removed XX/XX/20 inquiry on my credit file as a result of this fraudulent activity and thus having no permissible purpose.
Product: Debt collection

I am writing to express my ongoing concern regarding a disputed account that I have previously raised multiple times through XXXX XXXX. 

The account in question appears to be from XXXX XXXX with a balance of {$400.00}. I want to be clear that this account does not belong to me. I have never received any documentation regarding who opened this account in my name, and I believe this situation constitutes fraud. 

Furthermore, this fraudulent account is having a detrimental impact on my credit score, as it shows to have been opened in XXXX, which means it has been negatively affecting my credit for the last six years.

Additionally, I have sought assistance from Portfolio Recovery regarding this matter, but I have found their responses to be dismissive, and they have not taken any meaningful action to address this fraud.
Product: Debt collection

I am getting REPEATED calls for debts I do not owe that my ex-husband owes. Every time his debts get sold, the calls start again. 

Today I received call from Portfolio Recovery Associates. I asked them to remove my name ... .My ex has never used this number, I am remarried and now have a different name. I am sick of being dragged into his nonsense. 

At the same time they were calling me they called my MINOR son. My son is XXXX years old. They have no business calling a child and dumping his father 's mess on him. I had them remove the number and told them if either one of us receives another call, I will sue them. 

My son is a child, he has been through enough because of his XXXX father.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX DC XXXX of inquiry : XX/XX/XXXX XXXX. XXXX FA Date of inquiry : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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

I have disputed a account with XXXX multiple times, for not being MY debt. The company keeps verifying the debt to XXXX, yet I have NEVER received any information on the account from the company in question. No phone calls, no emails/ texts, NO mail, ever. Supposedly this has been around for XXXX  years and I've never been aware of anything. This account is not mine yet they are reporting otherwise without Verifying information to me.
Product: Credit card or prepaid card

On XX/XX/XXXX my account was locked due to " fraud ". I will attach the message from that as well. About 30 minutes after I answered the dm my account was locked. I have made several attempts to reach the company. My paycheck was deposited on the XX/XX/XXXX. My husband is on home dyalisis and I will attach a picture of his machine as well. 
I have not been able to pay any of my or get any of my money out. My last direct deposit was in the amount of {$230.00}. I have provided the information that the " current " company has asked for via email three times. I have had almost daily communication with someone from the support team at " current ". I have tried to comply with everything that I know to do. I have even told them that I want my money and to close my account. I also have my location on which is one of the things that " current " says will help keep your account safe which it has not. I am filling this complaint because I don't know what else to do. I feel like I will never receive any of the money on the current card and I feel like they are giving me excuses for not giving me the money I earned. I don't know what else to say except that the information that I am attaching, I wasn't so nice about it sometimes. I would NOT reccomend the " current " card to anyone! If there is any further information that you need please feel free to let me know. 
XXXX XXXX XXXX. one of the screenshots says that I'm not allowed to contact anyone else. These may not be in order and I apologize. I would like to copy all of them and send them if this is not enough information. I just want to be done with this " current '' company. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. 

This organization violated federal law and continue to ignore any actions that are taken by me. 

Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. 

IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent, benefit from nor authorize any of the following accounts/Inquiries : Accounts : XXXX XXXX XXXX- Account # XXXX Date Opened- XXXX XXXX, XXXX Amount- {$2800.00} XXXX XXXX XXXX- Account # XXXX Date Opened- XX/XX/XXXX, XXXX Amount {$500.00} Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

I received a promotional mailer in XXXX or XXXX of XXXX to open a CitiGold Checking account & receive XXXX XXXX XXXX miles. I opened this account & confirmed on XXXX XXXX, XXXX that I had completed the steps necessary to receive the bonus XXXX miles. I was told on XXXX XXXX, XXXX & XXXX XXXX, XXXX that I would receive the bonus miles no later than XXXX XXXX, XXXX by a customer service representative. On XXXX XXXX, XXXX -- upon inquiry as to why the bonus miles had not posted to my account -- a customer service representative told me that I was not eligible for the promotion as I was not " targeted '' for the promotion. I completely disagree as I received a mailer for this promotion. Sadly, I discarded the mailer sometime during the spring, but I think it 's egregious that Citi would require me to hold on to a promotional mailer XXXX months after its initial receipt. Additionally, Citi has charged me $ XXXX/month for an account service fee without notification regarding the failure to post my account opening bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like equifax to remove all XXXX XXXX XXXX XXXX accounts from my credit report. i am including a copy of police report and ftc id theft report. the information on my report from XXXX XXXX XXXX XXXX is wrong and i tried to talk to XXXX XXXX XXXX XXXX about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and verified that there is an account being reported incorrectly. I was never late and I am not aware where that late payment come from. This definitely is a billing error and should be corrected. Under US Code 1666B. Below is the account appearing to have late payment : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts that are on my credit report and they are not mine I have been disputing these since last XX/XX/XXXX and nothing have happened. I have opened an FTC for these accounts. I have not gotten anything back from the bureaus or the furnishers. 

XXXX XXXXXXXX XXXX XXXX - Acct # XXXX XX/XX/XXXX U S DEPT OF EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX DPT EDXXXX - Acct # XXXX Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

XXXX. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The Late Payment Status is incorrect. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

On or abound XX/XX/XXXX, I received a letter from capital one bank requesting validation/verification of my information as the owner of the account.At the time I wasXX/XX/XXXX and XX/XX/XXXX to my child which delayed my response to the banks request. The bank then proceeded to close my account with a balance {$27.00}, XXXX dollars. 
In XX/XX/XXXX I saw on the mobile application that my funds were withdraw via a customer withdrawaland my account had a XXXX balance. This prompted me contacting the bank who since I did not make a customer withdrawal.The bank representative then stated that the account was closed NOT that the funds were withdrawn.

The bank representative then stated a check was mailed to me.However, at the time I did not receive a check and stated that it was lost.In or around XX/XX/XXXX I later found the check and took it to the bank.However, the bank refused to deposit the check since it was reported lost. 
In late XXXX, XXXX I was advised by the bank representative that I needed to provide my tax id number, valid identification, and a signed affidavit of lost check before a new check can be issued.I submitted this information on XXXX, XXXX, then again on XXXX, XXXX and again on XX/XX/XXXX at the back request and prerequisite for mailing the new check.As of today XX/XX/XXXX I still did not receive my check.I requested that the bank provide a tracking number however the bank refused.
Product: Credit card or prepaid card

Someone got all my information and started applying for credits cards. They applied for XXXX XXXX card for XXXX XXXX ( XX/XX/2023 ). XXXX was for Google for a credit card on there through XXXX bank ( XX/XX/2023 ). Another was from Google North America INC. I disputed all inquiries through the XXXX credit places. Called XXXX to cancel the application and the XXXX XXXX XXXX was able to cancel that. The Google North American ( XX/XX/2023 ) would not help me stop or cancel it. Google was no help.
Product: Credit card

I have received a copy of my credit report and observed that an American Express account is opened under my name that I did not authorize or open. This company has my personal information and account that I did not open. They also gave collection agencies my personal information. American Express should never have my personal information or allow an account to be opened under my name without my authorization. They should also sent my information to collection agencies. I also found out there is a judgment on credit report. I was not told by American Express that they sued me and to appear in court. I was not notified. I have never done business with company.
Product: Money transfers

I sold an XXXX XXXX on eBay to a buyer in XXXX. I used eBay 's recommended shipping method of USPS first class mail. The funds were transferred to my PayPal account from the buyer. PayPal then released the funds to me after 3 weeks, but before the package had been listed as delivered. The phone was said to have arrived in XXXX, XXXX 5 days after I sent it from XXXX and there is no other tracking information available. The buyer then claimed to have never gotten the phone and filed a complaint with eBay and PayPal. I contacted eBay about the complaint and they granted an additional 15 days before hearing the case. 8 days after that, PayPal went ahead with the case and ruled in favor of the buyer. They refunded him the {$190.00} he paid and now I owe them that because the released funds had already been transferred to my bank. I contacted the very rude customer service reps at PayPal and they said it 's their standard policy to side with the buyer, but lots of scammers come from that area of the world. After talking a supervisor with customer service he said " sorry, that sucks '' when I asked for my money to be refunded since they allowed it to be effectively stolen from me. I also called eBay who told me there was nothing they could do besides investigate the account but it was " probably created for this purpose. '' I now owe PayPal {$190.00} and do not have the phone because they allowed funds to be transferred to the bank before delivery had been completed.