23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Original mortgage was discharge and account was closed. Now this current company is trying to collect as a third party collection. I sent them a debt validation notice, and have not responded to my demand to confirm the alleged debt. They have completely ignore all my demands in my debt validation notice. I requested a cease and desist until they confirm the alleged debt, and they still are harassing with letters and emails, attempting to bind me under contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Date of Birth : XX/XX/year> ( P, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX under the account number XXXX, XXXX opened on XXXX under the account number XXXX, XXXX XXXX  on XXXX under the account number XXXX, XXXX XXXX  on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, XXXX  on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX  XXXX opened XXXX on XXXX under the account number XXXX, XXXX XXXX  on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, These accounts have resulted in several fraudulent hard 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 in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Dear US Auto Credit, I am writing to follow up on my previous correspondence regarding the dispute on my account. As a reference, I have attached a copy of the dispute I submitted to the Consumer Financial Protection Bureau ( CFPB ) for your convenience. This document outlines my concerns and the actions I expect to be taken to address the issues at hand. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I would like to draw your attention to the specific sections that require your compliance in addressing my dispute : FCRA Section 611 : This section mandates that you investigate my dispute and provide a prompt response. It states that consumer reporting agencies, such as US Auto Credit, are required to review and address consumer disputes within 30 days of receiving them. 
FCRA Section 623 : This section requires you to provide accurate and complete information about the late payment charges on my account. It states that the information reported by you must be substantiated and not misleading.

FCRA Section 616 : This section specifies that if my dispute can not be verified, you must promptly notify me. It also states that you must promptly delete the disputed information from my account or modify it if necessary. 
These FCRA sections are crucial for protecting consumers ' rights and ensuring fair and accurate reporting. I expect that you will honor these provisions and address my concerns accordingly. 

In addition to the attached dispute, I would like to reiterate my request for a prompt response to my concerns. I am seeking a thorough explanation for the recurring late payment charges, the discrepancy in the total amount charged, and the extended date range covered by the statement I received. 

I anticipate a prompt response to this follow-up, addressing each of the issues raised in both my previous dispute and this current message. Your attention to this matter is greatly appreciated, and I hope we can resolve this dispute amicably and efficiently. 

Thank you for your immediate attention. 

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

This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

1. This account resulted due to identity theft. 
XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau Representative, I am writing to file a formal complaint against Equifax regarding their failure to address unauthorized hard inquiries on my credit report. Despite my efforts to resolve this matter directly with Equifax, they have refused to investigate or remove the inquiries in question, instead directing me to contact the companies that made the inquiries. This response is unsatisfactory and does not comply with the Fair Credit Reporting Act ( FCRA ). 

Background : I reviewed my credit report from Equifax and noticed several inquiries that I did not authorize. According to the FCRA, a credit bureau is responsible for ensuring the accuracy and privacy of information contained in a consumers credit report. Specifically, the FCRA permits credit inquiries only for the following purposes : A firm offer of credit, Insurance, An application for employment, A court order. 

The inquiries I am disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifaxs Non-Compliance : In my initial dispute letter to Equifax, I explicitly stated that these inquiries were not related to any permissible purposes as outlined in the FCRA. I requested that Equifax investigate these inquiries and remove them from my credit report if they could not provide proper verification. The specific verifications I requested included : Name and title of the person who pulled my credit. 
Date they purport that I gave permission. 
Method by which they claim I gave permission, along with documentation of said permission. 
Despite this, Equifax directed me to contact the companies that made the inquiries, effectively shirking their responsibility under the FCRA. This lack of action on Equifaxs part is a clear violation of the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation if the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer.

15 U.S.C. 1681b : Limits the circumstances under which a consumer reporting agency may furnish a consumer report to permissible purposes.
Product: Checking or savings account

Sadly, Marcus by Goldman Sachs is being dishonest. 
They are illegally holding my deposits longer than the agreed-upon timeframe. 

I deposited {$1000.00} on XX/XX/XXXX. Six days later, on XX/XX/XXXX, it became available. 

I spent HOURS on the phone/chatting with Marcus, trying to transfer approximately {$450.00} to pay for my airplane ticket to my Uncle 's funeral on XX/XX/XXXX. My experience was devastating, but the agents gaslighted me, insisting there was nothing they could do! 

I deposited {$1000.00} on XX/XX/XXXX, but the funds were not available until XX/XX/XXXX, six days later. I confronted the company about their illegal procedures on the chat, and the manager said I had to call in to resolve the matter. They were closed. 

Finally, in my previous complaint to the CFPB, Marcus by Goldman SAID THE AGREEMENT IS FIVE DAYS! 

They said they did nothing wrong and closed the case, THEN TRIED TO CREDIT ME {$75.00} AS A COURTESY.
Product: Credit card or prepaid card

I use Eperian as my credit monitoring service and almost daily I receive an email from them saying that they have identified several credit cards which match my credit profile.I then typically apply for one of those cards and I an always rejected because of info they have obtained from Eperian ; typically because I have applied for too many credit cards.

So here Eperian suggests several credit cards for and when I apply I am rejected based on info from Eperian.

So in effect they, Eperian, are encouraging me to apply for certain credit cards and when I do it adversely affects my Eperian credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX to early XXXX, XXXX, my Experian account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with XXXX XXXX After I obtained access back to my Experian account, I placed a fraud alert. I was not notified of the XXXX credit card account until XXXX  XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted XXXX. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from XXXX XXXX regarding this fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to provide documentation of the car dealership called XXXX. XXXX XXXX XXXX that XXXX spoke with on XXXX and XXXX without my consent. The auto loan transaction was a fraud transaction from the beginning. XXXX XXXX XXXX  failed to check the VIN report. Failed to check the correct car value of the vehicle that was price at XXXX not XXXX. XXXX XXXX XXXX XXXX is putting a car that belong to another customer as my responsibility. The customer brought the car from the correct car dealership called XXXX XXXX XXXX with the title of the car. XXXX XXXX XXXX XXXX is falsely reporting the auto loan account has passed due for XXXX, XXXX as of XX/XX/year>. XXXX XXXX is aware the car belongs to someone else. Management is aware of the car dealship stating the car was sold to another customer. Refusing to clear the balance on a close account that is negatively impacting my XXXX XXXX. There should no balance on this auto loan this is fraud. 
This is due to XXXX XXXX XXXX negligence the transaction is a fraud business exchange. Dispute auto loan and fraud payment history from my credit report. XXXX XXXX is charging me interest on my credit card as of XX/XX/year> XXXX has taken {$520.00} from my credit credit to pay the auto loan that is a close account. This is fraud, and theft and false information. I want my reimbursement for my credit card this is retaliation against a customer.
Product: Credit card or prepaid card

Although this complaint had already submitted ( XXXX ) - I now have a response from the vendor stating that they never received the funds in question. Citibank has also reapplied the donation charge and since I had funds come back to me from canceled vacations - they have taken the FULL AMOUNT that has been in dispute. Even with my documentation, CITIBANK has closed the dispute- although it has not been resolved. 
They were alerted within minutes of this mistake and have not taken steps to reach a resolution. 

On XX/XX/XXXX we tried to make a DONATION of XXXX  British pounds to XXXX XXXX ( Located in XXXX XXXX ) from a mobile device on their site. Unfortunately, a mistake was made by entering a comma rather than a period and the donation became XXXX pounds vs/ XXXX. Immediately upon a confirmation email was received - within minutes of the transaction we immediately called CITIBANK to reverse and stop the transaction. We escalated to a supervisor and were told that the only way to stop it would be to cancel our card. Reluctantly we agreed to do so. A new card was received but the charge appeared on and off the statement for the next billing cycle. Repeated calls to Citibank resulted in no help. We contacted the XXXX XXXX by email on XX/XX/XXXX and received an understanding acknowledgment and an offer to help. After another call to Citibank, we were told to contact the vendor and ask for a letter to be sent to the Disputes Dept. We did that on XX/XX/XXXX but never received an answer. Three letters were received from Citi ( XXXX XX/XX/XXXX ) - all, in essence, denying our claim. We submitted the emails and filled out a form that they asked us to on XX/XX/XXXX, however our last correspondence on XX/XX/XXXX, indicated that the vendor 's bank referred to the terms and conditions and our dispute was closed by Citibank as they say there is nothing else they can do. After another reach out to Citi and the vendor we have not received any response and the charge has been put back on our CCD. Don't know what else to do as we have tried to do everything we have been advised to do. Each Citibank agent tells us something else and ultimately nothing gets resolved. Can you assist? 
WE have now provided the most recent email from the vendor ( XXXX XXXX ) stating they have never received the money in question. Dispute # XXXX
Product: Credit reporting

IDENTITY THEFT RESULTED IN FRAUDULENT CREDIT CARD APPLICATION FOR XXXX ON XX/XX/2016. IS STILL ON MY CREDIT REPORT AND I WANT IT REMOVED.
Product: Credit reporting or other personal consumer reports

This company has reported three charged-off accounts on my credit report. Due to several data breaches involving my personal information, I requested validation of the debt but never received it. Instead, the accounts were listed as charged off until I disputed them with the credit bureaus. A year later, a third-party agency, XXXX, contacted me about a debt from XXXX XXXX , which was originally claimed to be owed to Uplift. I again requested validation of the debt, but instead of providing that, they offered a settlement of {$170.00} with the promise to remove the accounts from my credit report upon payment. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection and that Uplift would remove the accounts from my credit report. However, despite my payment, XXXX XXXX continued to report this account as a collection, and Uplift still reports three accounts as closed/charged off, which they never validated as my responsibility.
Product: Credit reporting or other personal consumer reports

I have received your responses dated XX/XX/XXXX, and XX/XX/XXXX, stating you need my identification which I've already provided with previous disputes. I have a late payment on an account that was paid on time. The consumer reporting agencies should report all information with complete accuracy, this account has not been late on payments. 

See attached identification and copies of these complaints for the following : XXXX XXXX XXXX  XXXX XXXX Account : XXXX XXXX Late payment ( 30 days Late - XX/XX/XXXX ) XXXX  Account : XXXX Late payment ( 30 days Late - XX/XX/XXXX ) Im requesting you investigate the below accounts and update these payments to be paid on time immediately. 

Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Two credit cards were applied for an opened up in my name on my Bank of America account. As soon as I noticed ( today, XX/XX/21 ) I contacted Bank of America and had the accounts closed. They told me to report it as identity theft as well.
Product: Credit reporting or other personal consumer reports

multiple auto loan inquiries and credit card inquiries such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX banking and Jp morgan chase fraudulent inquiries and identity theft I did not make these inquiries and i have no knowledge of these inquiries I have reported this to the IRS and contacted each credit bureau and company that was inquired, I have also opened disputes for each hard inquiry. Please remove these items from my credit report. I did not make any inquiries XXXX XXXX XXXX
Product: Bank account or service

I had a delinquent loan with Navy Federal Credit union. I was repeatedly called and threatened with legal action, and notification to my XXXX XXXX. I was also locked out of my accounts, so making payments was not possible. I did not know this illegal debt collection processes until the recent case by the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

Barclays offered me a balance transfer with no interest until XX/XX/XXXX. I transfered {$1900.00} from another account on XX/XX/XXXX I was charged a balance transfer fee of {$59.00} ( which I agreed to ) and {$3.00} intrest on XX/XX/XXXX. When I complained about the interest charge the response was " Upon review of your account our records show the promotional offer for the 0 % until XX/XX/XXXX has not been accepted. '' If they were not going to accept their own offer they should not have transferred the balance!
Product: Money transfer, virtual currency, or money service

Venmo is declining my transactions. I tried to transfer my bitcoin funds to external wallet but the system automatically decline transfer request. Venmo agents informed me that they are unable to override the system and tell me to sell my bitcoin to transfer funds. Selling and buying is not free so Venmo is making free money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been paying a monthly payment on time and more than the minimum amount each month. Now they lowered my credit line which has affected my credit score dropping it by XXXX points. Also, someone did a credit check on me with XXXX without my authorization which also affects my credit score by doing a hard check. The federal government powers need to begin overseeing these three powerful companies and make them accountable as our credit scores are very challenging in these hard economic times.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my credit report. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided. 

This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on credit reports. The failure to validate or rectify these discrepancies not only undermines the integrity of my credit report but also contradicts Nevada 's adaptation of the Uniform Commercial Code ( UCC ), specifically XXXX XXXX. 

I request the CFPB 's intervention to ensure compliance with federal and state consumer protection laws and to address this failure in upholding my right to an accurate and fair credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX I contacted the company in regards to XXXX bankruptcy that is on my report and asked about the method of verification also for proof of verification. I was never sent this information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through Lexis Nexis also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means I did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. Also be aware that NO COURT IN AMERICA VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT
Product: Checking or savings account

USAA allowed fraudulent activity on my account. Someone, unknown to me by the name of XXXX XXXX was able to gain online access to my accounts and attach their account to mine. Thereafter, withdrawing {$35000.00} from my accounts in {$5000.00} increments. USAA did not stop this person from doing so, even after I reported the transactions as fraudulent. I tried putting claims through the fraud department twice to get resolution with USAA, both times I was denied. I am XXXX military in the XXXX XXXX and I have detailed notes on each phone call, email, bank transaction etc. USAA should not be able to get away with this. I have filed a police report, and complaints with the Attorney General, and the Federal Trade Commission. I will be filing with the FBI next as well as reviews on every platform I can access. The world should know that their money is not safe with USAA and USAA does not take care of its members.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be corrected from my file right away XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX  file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX  now XXXX XXXX   {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA  XXXX  in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased