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

I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX 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 CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

GM Financial has not reported my monthly on time payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 to the major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to Bank of America instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!
Product: Credit reporting or other personal consumer reports

Earlier this month i received an email from XXXX that my personal information has been compromised due to a data breach, this information included my name, social security number, date of birth, address and phone number. they gave me identity work to use for one year. i decided to purchase my first set of credit report from Experian that got sick to my stomach to find out that i have been a victim of identity theft for a long time. apparently. these criminals somehow find my personal information and changed my phone number and address and got two credit cards from XXXX XXXX XXXXXXXX, since I was not aware of these accounts, they both account got charged off and i do not know if they been sent to collections or not. i immediately contacted credit bureaus and told them about these unauthorized accounts and they instructed me to file a police report and a report on this site identitytheft.gov. Please help me to resolve this stressful situation, thank you
Product: Money transfer, virtual currency, or money service

Account is closed for not following the TOS they are not telling me what I did wrong our account has been found to be in violation of our Terms of Service and has been closed. While you are still able to access your account and may cash out any remaining funds, all other features, including the Cash Card, have been permanently disabled. 

I dont have specific reasons why, but you can view our Cash Terms of Service at XXXX XXXX XXXX for possible reasons.
Product: Credit reporting or other personal consumer reports

I noticed that a child support obligation is listed on my credit report with Experian. However, this information is inaccurate and does not meet the reporting standards outlined in the FCRA. According to 15 U.S. Code 1681b, consumer reports related to child support obligations must be based on legally established or acknowledged parentage and used solely for enforcing child support. In my case, the reporting agency failed to meet these standards, as the information is either outdated, inaccurate, or improperly verified.

Additionally, this account is negatively impacting my credit report, despite child support obligations not being acts of credit or loans. The reporting agency has not followed the legal requirement to ensure the information is accurate and verified.

Im providing documentation to support my dispute, including proof of identification, address, and evidence that the information is incorrect. Despite this, the account has not been removed. I request immediate removal of this inaccurate item to ensure compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I sent a domestic wire transfer to Coinbase Inc on XX/XX/XXXX 2018 for {$2500.00} from my verified and linked checking account. The funds have since been deducted from my checking account and show up as a past transfer. 

I have already completed numerous transactions using said account ( and linked debit card ) including a previous wire deposit not long ago ( which only took 1 business day ). 

Despite being more than 1 week later, the funds have not been made available in my corresponding Coinbase account. 

After opening a support ticket, I simply got a canned/generated response asking for the details of my transfer ( which were already included in the support ticket submitted ). This is simply a delay tactic in my eyes. 

This is an unacceptable procure of handing customer funds, especially given that the wire transfer was successfully sent 1 week ago and paying more for to have the funds available in a timely manner.
Product: Credit card or prepaid card

Hello, My complaint is against XXXX when I tried to apply for an XXXX XXXX  XXXX Credit Card. 

I had previously applied for this card a couple of months ago and was not approved due to high balances and to many credit cards etc. 

I called them on XX/XX/XXXX to see about having them rerun my application since I had recently paid off my credit cards. When I was on the phone I was asked a lot of questions that I was more than happy to answer for the agent. I had informed the agent that I should be approved now since my cards were paid off and that I had a FICO score off XXXX. The agent informed me that indeed it look like my credit was getting better and I had a high FICO. However, at this time she was not able to issue me a new credit card. 
At this time, I was really upset since I told her that her company sent me the offer to apply for the credit card in the first place. I really feel the only reason I didnt get this card was because of my last name of XXXX. 

I normally wont waste my time on this issue however, this is just not right at this time. 
I am attaching the decline letter that also shows my FICO score of XXXX. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

From illegally restricting my account which caused havoc and violated UCC 4-202, to unfortunately, a man I was in a relationship with stole my phone & began sending himself money using my account on Revolut. After learning of this abuse which amounted to over {$800.00} in unauthorised charges, I contacted the XXXX and Revolut who in turn closed my account and prevented me from removing the remaining funds I had in the account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I applied for my online credit report and score from Equifax and downloaded same. The fee for the FICO score was {$7.00}. I entered my Debit card information as requested, When I checked my online statement, there were two withdrawels on the same time block and date. I just spent one hour and 52 minutes trying to reach someone at their customer support number ( s ), to no avail. I realize it is only a small amount to most, but we are on fixed income and watch our expenses closely. In other words, they charged me twice for one report, then there " system '' makes in impossible to reach a person to correct the problem. The were no buttons on the " Frequently asked questions '' and no misc.boxes to explain the problem. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent inquiries on my consumer profile that I did not authorize and they need to be removed immediately as per regards the FCRa law 605B and FCRA law 1681 ( a ) ( e ). The Inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All inquires are fraudulent where contained without my consent and are violating my. Consumer rights and the statue FCRA15 USC 1681ae and FCRA 605B and therefore must be eradicated in 4 calendar days or I am to be compensated $ XXXX damages and defamation per Inquiry totaling {$15000.00}
Product: Credit reporting or other personal consumer reports

All variations of names & telephones and addresses don't belong to me.
Product: Credit card or prepaid card

On or around XX/XX/2023. I went to renew an expired ATM card. At citizens Bank. Address location, XXXX XXXX XXXX XXXX, New York XXXX. Phone number XXXX. 
The banker gave me a temporary ATM card and told me my new ATM card would arrive in the mail. About 10 days later, I received a credit card with a credit limit of {$3500.00} from citizens Bank!! I never asked for a credit card only a ATM card to replace my old ATM card!!. As a result of this fraud I lost XXXX points on my XXXX XXXX! This is fraud!!! I contacted a branch XXXX from a different bank who told me that it would not affect my XXXX XXXX it was a lie!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX  # XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX. # XXXX XX/XX/XXXX -- {$10000.00} XXXX # XXXX XX/XX/XXXX -- {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX re : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but XXXX XXXX did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to XXXX XXXX, Equifax, and XXXX  on this date. XXXX XXXX, stated that they had performed an investigation on this matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. 

Equifax and XXXX, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both XXXX XXXX and Equifax and XXXX. 

XXXX XXXXXXXX turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for XXXX XXXX. 


XXXX XXXX is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. XXXX XXXX and Equifax are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if XXXX XXXX and Equifax fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX Enclosure : FTC Identity Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous address was XXXX XXXX XXXX XXXX XXXX NJ XXXX, which is correct, however they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX making it sound like a apartment instead of a single family home, which is wrong. Instead of deleting it, Experian puts it as an update, keeping it on my record. What is so hard for them to understand that's it's wrong and I want it off my record. I've complained at least 3 times about this and they are not budging.
Product: Debt collection

This company called me and left a voice mail on my phone, stating they were going to send XXXX uniformed police officers to my place of work, and said they contacted my place of employment and my place of employment stated to send to them to my house, I contacted my work and no calls had come in When I called the company they said I needed to give them my debit card number, I did not give it to them, They told me they were going to take legal action on me and I asked what my balance is they stated it was XXXX. My credit limit on my card is only XXXX,. I called my credit card company was was told it was only XXXX. I have already been to the police department here and was advised NOT to give them any info and to tell them that I had already contacted the police depart and that what they are doing is illegal and further action will be taken against them, This company was very rude to me and said if i do n't give them any money and dont give them my debit card number they will take me to court and garnish my wages, This has stressed me out to the point I could not breath and now I am scared for me and my family, This company needs to be stopped!!
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}.