23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 items : XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Rise lists my paid in full account as a settlement. Balance of {$1300.00} was paid in full on XX/XX/2019 ( confirmation # XXXX ). Company refuses to validate or correct status on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to verify and validate unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated XXXX XXXX, 2017 that stated I could not be provided with loan options based on credit information on a TransUnion LLC credit report. I sent a letter within 2 weeks to TransUnion clearly asking for a copy of my report based on this, and received a letter dated XXXX XXXX,2017, that " Explanation of the inquiries on Your Credit Report '' with only a paragraph about it. Not only is it confusing, I still have n't received my credit report. Besides general information, the only contact recourse is via mail, which is far from XXXX XXXX advancements. I still would like a credit report from this agency that I requested within the appropriate 60 days.
Product: Debt collection

I have tried multiple times to contact portfolio recovery collections and the credit bureau XXXX regarding the three debts that they have in collections on my credit report. This company is devious and has put the wrong open dates wrong on my credit report along with constantly trying to contact me. The original debts were opened many years ago and if you even call and attempt to speak to anyone in the company they will immediately assume that the debt is yours and change the open date of the debt and the credit bureaus will not listen to the consumer but to the debtor. I have tried to fight these old debts and have gotten nowhere. 
I do not have all of the dates of when I have contacted portfolio recovery - for if I do, it makes it worse. I just recently tried to fight the credit bureau again within the past 6 months and the gentleman on the phone was extremely rude to me. 
The amounts of the three debts are : {$960.00} - open XX/XX/XXXX {$940.00} - open XX/XX/XXXX {$890.00} - open XX/XX/XXXX These dates are NOT the original open dates of any past due debts that I own. If you look at my credit report, all of my credit has been paid on time. 
I am fed up and frustrated about what else to do. I have sent them letters and I just don't know what else to do. I really need your help. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts from XXXXXXXX XXXX  thats in collections. Theses creditors are arrogant and cursed me out multiple times after i asked for a validation of the accounts. Transunion has these accounts on my credit account with multiple FCRA violations. I asked for it to be deleted due to the violations and i was told it was verified. Seems like no one wants to help. Your my last hope.
Product: Checking or savings account

I received an email to my college student email regarding a job offer on XX/XX/2023. They gave me two sign on bonus check for {$950.00}. I deposited the first one and it took about 3 days for it to go through to Bank of America. A few days later, I deposited the second check but when I found out they were fake, I went straight to the bank to cancel it. I let them know it was fake but they would not allow me to cancel it. 

On XX/XX/2023, I left my phone at a restaurant close to campus. I went to class and realized it was missing. I went back for my phone and later that night I realized someone had hacked my XXXX and sent themselves {$800.00} leaving my bank in the negative. I have two phones and Bank of America will send me notifications to my other phone when I make big purchases or transfers. They did not send me a notification to authorize the {$800.00} transfer. 

I drove to the nearest ATM and withdrew {$1000.00} out of the {$2500.00} that I had in my savings. That was all the bank allowed me to withdraw. Out of fear of the remaining balance being taken, I XXXX  the remaining balance to my brother. That time I did receive a notification to my other phone from Bank of America but did not for the initial {$800.00}. One of the reasons I am filing this claim. 

I filed a police report ( XXXX case # XXXX ) and sent it to my bank and filed a claim with them for fraud to get reimbursed. I asked for my account to be frozen so I can still get my work study check and get reimbursed for the unauthorized {$800.00} charge once the claim went through. They ended up closing my account and keeping two of my work study paychecks. I had asked for a bank statement to see if the school still had my work study paycheck but both paychecks showed up on the statement. 

I called the XXXX Bank of America Fraud line to check the status of my claim and they told me my claim was closed and that they would not be able to reimburse me. I asked them to reopen the claim and they did. I called again Monday, XX/XX/2023 to check the status and they had closed it again but said their investigation takes 60 days and that they would email me updates via email. 

I am filing this claim because they did not send me a notification to authorize the initial {$800.00} XXXX transfer. Every time I call to get an update I am given the runaround and told different things. 

I am also filing a claim because when I first opened my account I declined the overdraft protection so I would not be left in the negative if I did not have funds in my account. At the time the {$800.00} that was taken, I did not have that balance in there but the bank still allowed it to be taken leaving me in the negative. 

Even though Bank of America closed my account they are not declining my work study pay checks. They are taking them to pay the negative balance that was from the fraudulent transaction. 

I have since opened a different account and my new direct deposit for my work study has gone through but I would like to for the negative balance to reversed plus get reimbursed for my two work study paychecks they kept.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX conducted an investigation and refused to remove fraudulent rental collection from XXXX  XXXX from my report as of XX/XX/2024. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX and TransUnion Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE CHARGE OFF ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to fix the inaccuracies on my credit report for years with Experian, but now that I am trying to buy a home it is very important that these issues are fixed asap. I have sent numerous of letter to Experian about the inaccuracies on my report, every single time, I get a generic letter in the mail saying that the accounts were " verified '' without showing me proof of how exactly did they verify with these companies, and then proceed to fix none of the inaccuracies. The last round of letters I sent on XXXX XXXX, Experian sent back a letter refusing to investigate, saying that I did not send my own letters and that I used a third party credit repair company, which I did not. They are continuously violating FCRA 15 U.S. Code 5 1681. 

The following accounts were disputed due to inaccuracies, also they have not been properly verified and no proof showing that they belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/2023 to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/2023 I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/2023 I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/2023 I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/2023 I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. 

Dovenmuehle claims the funds were sent to Missouri 's unclaimed property department and they have no records of this money so I am unable to get my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

They are our mortgage company who is holding the money we require to finish our renovation due to water damage. I have a signed contract from a contractor. I have sent all the necessary paperwork they require to release the funding to us.

At the beginning we were informed that claims that surpass {$40000.00} would require additional information. We have sent over this information as the claim went over {$40000.00} a week ago.

However, prior to us discovering this we sent them a check a month and a half ago. They received this check, but required additional information an updated adjusters report. They failed to notify us of this until we called 10 days after they had the check in hand. ( We called multiple days before this as well and were assured no extra information was required. ) in this 10th day they informed me they put the check in the escrow account and these funds could be dispersed once the updated adjusters report was sent out. At this point the claim was not more that {$40000.00}. I asked the question the claim may go over {$40000.00} because were expecting another check. I was assured this would not affect funding being released to us for the first check of {$1600.00}. This issue was suppose to be escalated and a supervisor was suppose to reach out. This never happened. We reached out again and were assured that it is of utmost importance and a manager will reach out within 24 hours. This still never happened. We called again today on XX/XX/year> and were promised a manager will reach out. They are now saying they are sending the {$1600.00} check back for endorsement because the claim is over {$40000.00} even though I was previously ensured that this would not happen. We are not able to continue our project and I am XXXX XXXX XXXX. Im already starting to have stress related complications and just dont know what to do anymore.
Product: Credit card or prepaid card

I have been unable to use my Cash App Debit Card to pay my website fees for the last 5 months or so. It suddenly completely stopped allowing me to pay for anything associated with my company web hosting, email and domain names all hosted on XXXX XXXX. 

I get an error message every time I try to add the card to my XXXX XXXX account. I have called XXXX XXXX, they say its the banks issue. They advised me to contact Cash App. 

I contacted Cash App, they keep implying I am doing something to cause this error like entering the card info wrong but, I'm sure I know how to pay for items online. 

They have not fixed the problem for XXXX  months now and my company funds are auto deposited into that account so my website keeps going down due to non payment because they wont fix the error. Its causing me loss of business due to my website suspension now more than once! I'd like this issue fixed. I have been able to use this card to pay XXXX XXXX since i got it up until XXXX months ago.
Product: Debt collection

I had a debt with a hospital in New Jersey for copayment of insurance for a back operation I had in XXXX of 2016. Before I could try to work this out with the hospital, the matter was turned over to a law firm in New Jersey by the name of Pressler & Pressler. I have attempted to contact Pressler and Pressler and no one will return my call. In the interim they have entered judgment against me and have been contacting my employer to find out if I work at my job so that they may issue a wage garnishment against me. They have called my employer on two occasions and during each call have refused to identify themselves -- only asking if I work there. My employer has advised me of these calls. This has caused great embarrassment to me as it is a personal matter and I feel that my privacy has been invaded by this law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, I'm not using any third party for this matter and this is my first complaint to CFPB because I'm a victim of identity theft and my personal information went to wrong hands or some organization who have tried to obtain a credit or financing goods on my behalf, as a result I got hard inquiries on my report that I have never authorized : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.

Please remove these items from my report as a fraud items.
Product: Student loan

Currently I'm with XXXX XXXX  XXXX for Student Debt Relief Program. From my understanding the school I was attending XXXXXXXX XXXX XXXX XXXX and they closed down during the time I was starting my XXXX XXXX XXXX in XX/XX/XXXX. I was to start on XX/XX/2015. Wouldn't I be eligible for Closed School Discharge? I wanted to enroll in another school after they closed and my credits didn't transfer. Honestly I feel I was defrauded into the debt. False job placement and online certificate class. They closed down and I wasn't able to finish my educational program.
Product: Credit reporting, credit repair services, or other personal consumer reports

At my previous house, I used XXXX as my alarm system. When I moved to my current house, I wanted to use XXXX  again ( which I currently am ), and they said it is easiest to transfer my old account to the people moving into the house so they can pay off the equipment. They currently use XXXX and are paying for the equipment monthly. I received debt collector calls saying I owe XXXX {$2200.00}. I tried to call XXXX and they are saying this has already been turned to a debt collector because the people who moved into my old house have their own account separate. This is just insane, because they are using XXXX paying for it, I currently use XXXX for my security, and if they would listen to my past calls with them, they would hear them tell me that my old account was being transferred to the new user.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX REPORTED ON CONSUMER FINANCE.GOV THAT XXXX XXXX XXXX BORN XX/XX/XXXX MEVER RETURNED MONEY STOLLEN FROM MY BANK ACCOUNT AT CITIBANK IN XXXX XXXX CALIFORNIA THEY FORCED ME TO CLOSE MY BANK ACCOUNT WITH NO FUNDES RETURNED CITIBANK WITED XXXX XXXX XXXX FUNDS TO XXXX XXXX XXXX XXXX AS A TESULT PF THIS XXXX XXXX XXXX NEVER GOT HER XXXX XXXX DOLLARS RETURNED XXXX XXXX XXXX DIED IN THE RESULT OF FRAUDING MY CITIBANK IN XXXX XXXX CA XXXX OFF XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX