23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Several years ago, i was misinformed of my deferment period to repay my student loans. I later returned to score, and resume course work. I had my previously loans consolidated. Upon checking my credit report, i noticed several late marks that drastically damaged my credit score. I attempted to contact the company who reported this listing via fax, mail, and over the phone. I wrong goodwill letters explaining the situation, and contacted a rep via phone whom just kept transferring me and ultimately saying i needed to dispute this through the credit bureaus which i've also done. My records on file show that these accounts are all paid in full, {$0.00} balance but have several missed and late payments that i would like to be removed, especially due to the status of those accounts at the time. Please see that this request is honored and investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, XXXX sending over an Identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Pursuant of FCRA section 605B ( a ) ( XXXX ) ( XXXX ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. XXXX XXXX XXXX XXXX, NY XXXX, XXXX CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to change my password on the TRANSUNION website. I already have an account on their website, I just want to change the password. I follow their online process to do so, and it then says it will send me an email with a security code of some sort. They never send me this security code. I can send and receive email perfectly on my XXXX email account, but I never get the security code from TRANSUNION . I called and spoke with one of their agents who was unable to assist. Very frustrating, unacceptable, unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Im writing concerning a credit company by the name of XXXX XXXX. I advised XXXX customer service rep that I didnt want ACH withdrawn from my WellsFargo checking account but instead they used a back in portals. I also emailed them as well. I also went ahead and placed a stop payment before as well. XXXX XXXX made several attempts and got into my checking account. XXXX didnt an investigation on XXXX XXXX after I filed a claim against them stating I had made several calls into their center requesting no withdraws from my checking. Please sent invoice through US mail only. The company refused to honor my request and made 2 attempts to get into my checking account by using different portals. XXXX did refunded my checking for the amounts {$680.00}. 

Now, as months as gone by XXXX XXXX has now placed a debt on my credit report for {$2500.00}. Can anyone in this division help me? The XXXX claims dept. phone number XXXX and my claim #. I have attached email and stop payment form and bank statement and XXXX claims investigation letter, claim # XXXX and XXXX.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt OWED to IQ DATA INTERNATIONAL INC I did not sign a contract with IQ Data International INC and I didnt receive Verification of the debt via the original Contract from them, I would like a copy stating that I owe Debt to : IQ DATA INTERNATIONAL INC Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : XXXX XXXX XXXX Date of entry : XX/XX/year> INTERNATIONAL INC. has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). IQ DATA INTERNATIONAL INC. is flagrantly disregarding consumer protection statutes. I demand that the Consumer Financial Protection Bureau investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Credit card or prepaid card

I paid {$83.00} to XXXX XXXX over the phone for the rafting tour i went on, they for some reason charged me {$130.00} which i didnt agree to, i created a dispute with discover, and they origonally gave me a credit, but then they reversed it, and took the money back, charging me for more then i agreed to
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries that have not been removed from my credit report and it is past the removal date. They are listed as follows : XXXX XXXX - removal date XX/XX/2022 XXXX - removal date XX/XX/2022 XXXX XXXX - removal date XX/XX/2022 XXXX XXXX - removal date XX/XX/2022 DEPT OF ED - removal date XX/XX/2022 XXXX XXXX - removal date XX/XX/2022 XXXX - removal date XX/XX/2022 XXXXXXXX XXXX -removal date XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XXXX. XXXX, 2023 at XXXXXXXX XXXX {$130.00} Unauthorized transaction On XXXX. XXXX, 2023 at XXXXXXXX XXXX {$16.00} Unauthorized transaction On XXXX. XXXX, 2023 at XXXXXXXX XXXX  {$130.00} Unauthorized transaction. 
Before these listed transactions, I have no recorded history in cashapp of shopping with this particular merchant ( XXXX ). It was not until the third transaction that I realized the unauthorized transaction. On XXXX. XXXX, 2023 I filed a dispute with cashapp of unauthorized transaction and report card stolen. On XXXX. XXXX 2023 cash sends email of the acknowledgement of my dispute and its investigation into the issue, and email that new card is on the way. I also question my wife, cause she does shop with this merchant ; she has not used my cash card, nor is there any record of it in her account with the particular merchant. On XXXX. XXXX, 2023, cashapp released a " temporary credit '' of {$130.00}, added to my account as they still continue to investigate. On XXXX. XXXX, 2023 cashapp sent my account into the negative reversing the temporary credit from my cash balance, denied dispute. I responded on same date with email requesting documents used as proof. Cash app has not answered my request and again denied my dispute on XXXX XXXX, 2023. I also contacted the merchant about these unauthorized transactions, per cashapp reccomendation. No remedy has been made by cashapp or by the merchant ( XXXX ).
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with XXXX, XXXX, and Experian. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. XXXX, XXXX, and Experian have not removed these inquiries. 
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.

Also, 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: Debt collection

This company is reporting this on my credit report and I have no knowledge of this and why they reporting this. 


Lvnv funding LLC Reported XXXX XXXX amount {$670.00} XXXX XXXX reported XXXX XXXX {$800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below, as I am a victim of a recent data breach and subsequent identity theft. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2 ( a ), I am exercising my rights to have these unauthorized accounts and inquiries removed from my credit file. 
XXXX Accounts XXXX. XXXX - Account XXXX : XXXX - XXXX XX/XX/XXXX - XXXX : {$220.00} XXXX. XXXX XXXX  - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$5500.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$600.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$930.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$620.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$640.00} XXXX. XXXX XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX - Account Number : XXXX - XXXX XX/XX/XXXX - XXXX : {$2900.00} XXXX. XXXX - Account XXXX : XXXX - XXXX XX/XX/XXXX - XXXX : {$920.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Opened XX/XX/XXXX - Amount : {$880.00} Fraudulent Inquiries XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX a paycheck was deposited by accident and XXXX accounts. The first account was XXXX XXXX. The second account was arvest bank. XXXX XXXX  immediately sent the money back to XXXX  XXXX XXXX and cancel the account. I have proof of the account being in active since XX/XX/XXXX. XX/XX/XXXX for the same amount of {$XXXX} was taken out of my Arvest account. The amount should not have been taken out. Arvest was unable to tell me exactly where the amount went and that I need to speak to the remitter. The remitter is XXXX  XXXX XXXX through my work, XXXX. I have tried to get information and this problem solved for a month now. Arvest says talk to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Arvest Arvest. Im at a XXXXe. Please help me resolve this. This is money I need to live off of.
Product: Debt collection

I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today
Product: Debt collection

Debt collector, RMS LLC have been calling me repeatedly, harassing me and leaving messages by XXXX XXXX saying he is trying to resolve a matter with me. The following are the dates and times they called : XX/XX/23 at XXXX XXXX XX/XX/23 at XXXXXXXX XXXX XXXXXX/XX/23 at XXXX XXXX XXXXXX/XX/23 at XXXX XXXX, and XX/XX/23 at XXXX XXXX. They are attempting to collect a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

I'm either a victim of either mistaken identity or identity fraud, however XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , CA is claiming I signed up for an loan but have never legally proved it. Based on my credit I would never had signed with this organization based on their illegal business practices That being, In Article 39 of the Illinois Criminal Code, lawmakers describe an offense called criminal usury. A person may be prosecuted for criminal usury if he or she offers a loan to someone with an interest rater higher than 20 % per year. I demand this gets removed from my credit immediately since I am not responsible for it.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$680.00}
Product: Credit card or prepaid card

Opened the Citi Thank You Premier credit card in XXXX under a promotional offer which offers 60,000 points upon account opening and spending {$4000.00} in 3 months. Chatted with agents online but were given false info on my spend amount and how much more I needed by what date. I called in late XXXX XXXX and talked to a supervisor and he agreed that it's Citi 's fault in providing lackluster customer service that I have met all the requirement for the bonus, but since the promotion date has lapse, he'd have to open a ticket to get an approval to credit me the points. Fast forward 2.5months, I called about 3-4 times and chatted online 2-3 times and still no resolution. I'm tired being lied to and wish Citi can just do the right thing.
Product: Checking or savings account

On XX/XX/22 i tried to deposit am check from XXXX XXXX XXXX XXXX for {$860.00} into my Star financial account. Being saturday afternoon @ XXXX i tried depositing in atm wouldn't let me. @ XXXX i tried another one with same results. 
Som i decided to go to my other bank. XXXX XXXX XXXX XXXX I was able to deposit the check at there ATM. The problem is i used the Star Financial debt Card. I keep checking XXXX account to see when money had cleared. On tuesday the nineth I spoke to customer service XXXX. They figured out i Used Star Financial card instead of XXXX card. I checked Star Financial account, They told me it was on debt card but couldn't put it in checking account. In just got of phone with Star financial same story they blame XXXX hasn't released money. 
XXXX has been on phone with me about everyday with this i don't believe they are holding money. 
I am having XXXX tuesday and will be laid up for a couple of months i needed this money yesterday. 
Please let me know if there is anything you can do
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
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 remove the account listed below. 
I demand that the following account be verified or removed immediately : Midland Credit Management In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

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, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card

Please refer to cases # XXXX XXXX XXXX which you closed based on inaccurate information from Citibank. I find it hard to believe that when a consumer makes a complaint, CFPB automatically believes what it is told by the offending company. I am making one more attempt before initiating a lawsuit against Citibank. 

Briefly, an unknown and unauthorized person made multiple charges to my Citibank card on XX/XX/XXXX, which I promptly disputed. XXXX of these charges were honored before Citibank acted to deny the remainder. I subsequently received XXXX packages I had not ordered and promptly returned them to the senders unopened. Despite numerous detailed letters to Citibank, several extremely frustrating phone conversations during which I was verbally abused, and repeated communications with the XXXX retailers, one of the four charges remained on my account. I closed my Citibank account a week after the event, but they claim they closed the account in XXXX of XXXX. They inaccurately reported to credit reporting agencies that I was delinquent in my payments, whereas I had paid everything I owed at the time I closed the account. This has negatively affected my credit. They " charged off '' what they claimed I owed, and now I am being pursued by a collection agency. The incident has had a serious effect on my physical and mental health, and over XXXX months later it remains unresolved. 

After some difficulty, I was able to identify which of the XXXX retailers ( XXXX ) had not informed Citibank that the products I had not ordered had been returned to them untouched. They informed me that their fraud department would take care of the issue, but I eventually received communication from Citibank stating that nothing had changed. 

In addition, on XX/XX/XXXX, an unknown person applied for and actually received a credit card from Citibank using some of my personal information. This was verified during a conference call involving Citibank, an XXXX fraud XXXX, my husband, and myself. Yet, shortly thereafter, I received a letter from Citibank claiming that it was I who had applied for and received the new account. The letter referenced the number of the account that had already been closed. 

I have reached the end of my tether with this company, which clearly cares nothing for its customers or -- more significantly -- the truth. I am asking CFPB for a REAL investigation, not XXXX where it just asks the company whether what the consumer says is true and then sides with the company when the company says the consumer is lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agencies are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Recently, I'm requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of XXXX  inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX   {$760.00} 4 ) XXXX XXXX XXXX {$950.00}