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

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I called Citibank to settle a charged off Best Buy credit card account. They informed me I had to call XXXX XXXX XXXX as they were handing the account. On XX/XX/2024 I called XXXX XXXX XXXX to settle the Best Buy credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a XXXX time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/2024. I received a verification letter to my email from XXXX XXXX XXXX before I was off of the phone call. On XX/XX/2024 Citibank reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with XXXX on XX/XX/2024. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that XXXX XXXX XXXX  was granted the authority to do this and will report it to my creditor, and payment confirmation. On XX/XX/2024 will remain on my credit report as Citibank certified to XXXX the information was accurate and the item was not changed.
Product: Debt collection

On XX/XX/XXXX, as I checked my XXXX XXXX account, I noticed that a 'derogatory remark ' was added to my credit reports from XXXX and XXXX . The collection agency that placed the 'derogatory remark ' on my credit reports is Paramount Recovery, which is located at XXXX XXXX XXXX. , XXXX XXXX, XXXX , TX XXXX. I immediately sent a debt validation letter ( certified mail with return receipt ) to Paramount Recovery requesting validation of the debt as well as HIPPA authorization due to this being an alleged medical debt. Paramount Recovery acknowledged receipt of my debt validation letter by signing the certified mail return receipt ( green card ) and dating it for XX/XX/XXXX. The representative from Paramount Recovery who signed the certified mail return receipt was " XXXX XXXX. '' From XX/XX/XXXX until present, I haven't received any communication from Paramount Recovery regarding my debt validation letter or have received any of the requested information stated in my debt validation letter. Paramount Recovery did temporarily delete the 'derogatory remark ' from both credit reports ( XXXX and XXXX ), but reinserted the 'derogatory remark ' a few days later. I have NEVER received any proper/prior written notification from Paramount Recovery regarding this account. They just one day decided to insert this 'derogatory remark. ' Also, they have placed this 'derogatory remark ' on my credit reports without any account number from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more! 

In accordance with the Fair Credit Reporting Act, everything has everything must be 100 % accurate on my credit report. 

The credit bureau 's stated my accounts were properly investigated, but how is that possible if the last active dates and dates last reported are inaccurate? This is grounds for removal.

They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A, Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody any written instructions.
Product: Credit card

Citi Cards canceled my credit card without giving me any notice. The letter I got from them a week later was dated the day my credit stopped working. I was told by customer service the loyalty points I had accrued would be valid for 60 days but when I checked later on they were also canceled. From XXXX I have gone to XXXX point when I was told that I was welcome to use all of them before expiring 60 days after the card cancellation date. I have no debt, paid my bills on time and have very good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated to the US. XXXX  XXXX XXXX account ending in XXXX according to XXXX credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. XXXX, XXXX XXXX Transition have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regrading Zelles handling of disputes.particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform..despite using zelle numerous times & reporting discrepancies, my financial institution & zelle failed to investigate my claims adequately..they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible..The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams..the lack of transparency is unacceptable and raises serious concerns about consumer safety..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  shows account that does not correspond to any Master Promissory note at a time I was not in school. Continues to report to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Until recently unbeknownst to me this week for the process continue to display erroneous information in regards to a credit card that was victim. Do I deserved all three credit bureaus should concentrate on following FCRA regulations and blocked negative information during investigation of ID XXXX, and the two accounts that is affected for nearly XXXX XXXX XXXX  now Im trying to rectify the problem and its time to pay attention
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information. 

I previously opened complaint XXXX regarding this issue. 

LexisNexis appears to have misunderstood the nature of the complaint. I am requesting a copy of the report branded as 'XXXX ' that pertains to me, which LexisNexis sells to businesses.
Product: Checking or savings account

On XX/XX/XXXX I sent Robinhood {$35000.00} from a recently opened XXXX checking account. Robinhood flagged it and asked for my SS card, drivers license, Live Photo, and bank statements from my linked account. Sent them everything but told them that I can not upload a bank statement since the bank account is a week old but they keep sending generic responses and I havent heard back from a supervisor and nobody is helping me. My {$35000.00} is missing and Im becoming worried because nobody is helping me. I went to my branch and requested a daily balance summary with my name, address, account number, but I can not get a bank statement since the account is not 30 days old. I really just want to see my money somewhere because after a week its saying that my Robinhood account balance is {$0.00}.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute two unauthorized credit inquiries that appear on my Equifax credit report. These inquiries were conducted without my authorization and are fraudulent, which violates the provisions of the Fair Credit Reporting Act. 

The fraudulent inquiries are as follows : Inquiry Date : XX/XX/year> Creditor : XXXX XXXX XXXXXXXX # XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/year> Creditor : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX These inquiries were not authorized by me and are clearly fraudulent. According to the Fair Credit Reporting Act, 15 U.S. Code 1681b ( c ) ( 1 ) ( B ) ( i ), credit inquiries must be made with the consumer 's consent. Therefore, I request that Equifax immediately remove these fraudulent inquiries from my credit report. 

Attached to this letter, I am providing copies of documents to verify my identity, including my Social Security card and driver 's license. 

I request that Equifax conduct a thorough investigation and provide a written response regarding the removal of the fraudulent inquiries within the timeframe stipulated by law. 

Thank you in advance for your immediate attention to this matter. I look forward to your response and confirmation of the removal of the fraudulent inquiries from my credit report. 

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

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX THROUGH XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, Experian is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove fraudulent credit inquires from credit report. The inquires don't belong to me and were incorrectly placed on my credit report. Please remove inquires ASAP as these are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Open Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My car was broken into & purse stolen on XX/XX/21. Several of my credit cards were fraudulently used at a nearby XXXX. My Chase XXXX XXXX was charged twice by the thieves in the amounts of {$450.00} & {$210.00}. The credit card company, Chase XXXX XXXX, has denied my claim that I was robbed and my card was used fraudulently despite me providing documentation such as police reports, car insurance claim, documents from other credit card companies acknowledging fraud was committed with a few other of my credit cards. I have provided all the documents they ask for to support that my card was stolen but they are trying to make me responsible for the fraudulent charges.
Product: Credit reporting

I have requested my report individually from Experian, XXXX and XXXX 
I have only received a report from XXXX. XXXX XXXX requested additional information after I provided to all XXXX of them my DOB, SS #, address, and enclosed a copy of my drivers license, my social security card, a water utility bill and a copy of my pay stub. Experian I never even heard back from. It has been more than 30 days since the original requests were made. 
I am now doing ANOTHER request through annual credit report but so far it is impossible to find what must be included with the request. 
Finally, I have to go through this written request process EVERYTIME I want a credit report because they ALWAYS have some of my Dad 's ( I am a XXXX ) information on my credit report so I CAN NOT answer the questions for identification. It 's has become a ridiculous pain in the XXXX to access my credit report especially when after providing more than the required documentation XXXX XXXX requests more of the exact same information and Experian does n't even deign to reply.
Product: Credit reporting

The judgments that are showing on my credit report, were entered by third party and not by XXXX XXXX nor the Court, this third party reporting is against the law and has created an negative impact on my credit score. And is stopping me from succeeding with my life.
Product: Debt collection

Last year, I signed up with XXXX for XXXX high-end tXXXX  and a service. What I received was XXXX inferior pXXXX. I immediately canceled the contracts and sentophones back. Did not activate either phone I never received any bill. Are you any email or any phone call telling me that I owed A bill on XX/XX/XXXX of this year, I was placed on my credit report. I was in collections for {$64.00} for XXXX. I call XXXX and I was told that it would take up to 90 days to resolve the dispute and get it removed from my credit report. Or I could go ahead and pay the {$64.00}. And it would be immediately removed from my credit report and I would get a refund within 90 days of the {$64.00}. I will get a phone call within XXXX to XXXX hours. It will be cleared on my credit report and I would be issued the. Refund since I was trying to get a mortgage for a home. I agreed to pay the {$64.00}. With the understanding, it would be refunded within XXXX hours and it will be removed from my credit report. I heard nothing back. I called today after 2 weeks and it was explained to me that even though I never use our service never activated the phones that I was charged one month for a plan I did not use when I asked why I was never notified of this. They had no answer. They also refused to give me any account number. Whatsoever. So I get file a dispute with this. These people are crooks. They also said it would not be removed by XXXX report because it went into collections. Even though I don't know the bill, it's a fraudulent charge and I was never notified that I owed them any money. It was up to me to notify the creditors. I never activated the phone.Never used our service and certainly and not responsible for any plan.Debt as they claim I owe
Product: Debt collection

Hello, I have few accounts with the company designed receivable solution located @ XXXX XXXX XXXX  XXXX, CA XXXX and I wanted to clarify few things and I believe the manager would help me to answer my questions and I spoke to XXXX. She was cutting me off all the time, she was not attentive and sarcastic while we were on call. Her tone was unacceptable and when I asked her to provide me with her manager that she reports to she refused to provide me with the contact, she transferred me to the supervisor who is bellow her position and I had to beg them to give me the contact number for their director. I wanted to address the issue to him but he was out of office. The call was recorded with this manager. I asked a supervisor their social media address and they refused to provide me with this as well, I located their website and emailed up executive management about this incident. Nothing is transparent in this company and the manager who runs this place is rude.
Product: Credit card or prepaid card

I missed a payment and paid the late fees Citi bank said they would as a first time courtesy to reverse they fees after I paid. CitiBank offer me a loan advance on my credit card that has been in good standing since I opened the card. The card number is XXXX. I advanced {$8000.00} dollars in XXXX and have not received a bill. I called XX/XX/23 and was told my cards were closed with no notification or an explanation. Im filing a complaint because every time I call in Im not getting any help and they brush me off. Please investigate this complaint as this is affecting my personally with my credit and work. I have always made payments on time until one time. I called to ask for assistance and I get told a different story each time and now CitiBank has closed my credits cards with no notification or explanation when Im trying to call in. Please help me. Thank you.