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

Identity Was Stolen, Reported to police and also sent report to furnisher. I Ask that these charges and all recent inquiries be removed from my credit report. 

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

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. According to FCRA Section 605b it is illegal to report information on my credit report without my permission. XXXX, XXXX, & XXXX are third party companies, and furnishing my credit profile is illegal and unlawful. Remove this account from my XXXX, XXXX, & XXXX XXXX file report because it affects my ability to obtain new credit. it is unlawful for false and misleading denial of my unlimited credit, based on Title 15 Subsection 1611 of the US code. 

PORTFOLIO RECOV ASSOC Account # : XXXX Date Opened : XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow Experian seems to have verified some information, That XXXX deleted. XXXX   deleted all the items in question, they all get their information from the same source, how does that happen? XXXX  deletes the information, but, Experian somehow verifies it.?? 

XXXX XXXX # XXXX Their is a pdf attachment with this complaint that Experian is in violation of the FCRA, XXXX Deleted the same item that I challenged at Experian
Product: Credit reporting or other personal consumer reports

The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
Navy federal credit card XXXX XXXX credit card XXXX XXXX credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Dispute for Unverified Account Request for Method of Verification Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 
Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 
Here are the accounts Im disputing : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also know about the recent lawsuit between the CFPB and XXXX XXXX where XXXX got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 
Exactly what steps you took to investigate my dispute. 
Copies of any documents you used to verify the account. 
If you cant properly verify this account, I want it deleted from my credit file. 
Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 
I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} - DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED. 

Delete the above inquiries and fraudulent accounts on my report.
Product: Credit reporting or other personal consumer reports

Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with XXXX, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.
Product: Debt collection

Someone opened an account with a cable service at an address that I have never lived. I have contacted the collection agency that is on my credit report numerous times and informed them of this. /i have even offered to pay it just to get it off of my credit report. They have responded with a bogus letter, representatives were very rude, and is giving me a very rough time with this account. I have submitted a dispute with the credit bureaus and they keep verifying it but they have no contract or anything to supply me with to see who opened this account. Im not sure what else to do.
Product: Credit card or prepaid card

I contacted Bank of America is see what options they had available regarding my credit card with them. I am struggling financially. I reviewed all the statements from XXXX to XXXX and came up with the following numbers. I only used the card for emergencies when I didn't have the funds for necessities for my family/child care/car repair. I spent XXXX total charges in XXXX on my BOA credit card. I made XXXX in payments in XXXX & XX/XX/XXXX. Late fees and interest charged by BOA totaled XXXX. My charges, late fees and interest totaled XXXX. Payments totaled XXXX. Leaving XXXX yet I still have a balance on my credit card statement of XXXX as of today. From XXXX dating back to XX/XX/XXXX I used my card one time in XX/XX/XXXX for groceries. All other chares in that time frame are late fees and interest charged and payments from me. I spoke to XXXX from BOA on XXXX to see if there was anything to do as far as stopping the late fees and interest and closing the account so I could then be on a payment plan to pay off the credit card. Seems like every time I make a payment there is a new charge from the bank so my payment gets washed out. XXXX then said she could transfer me to the collections department in which XXXX XXXX answered the call. She first stated this is an attempt to collect a debt on a past due balance of my card in which my card is current and the next payment due is XX/XX/XXXX. I asked why she made that statement because my card is not past due and the next payment isn't due until XX/XX/XXXX and she said I have to say that to everyone. I then asked her if there was any options in getting help so I can get the balance on my card paid off and she said no. She was very unpleasant to speak to, rude and unprofessional. I then asked to speak to a manager. She left me on hold for 30 minutes after which I hung up because I had to get back to work.
Product: Student loan

I have been working to get the following issues taken care of my with loans since XX/XX/XXXX. 

- Get loan payments made in XX/XX/XXXX, XX/XX/XXXXXXXX and XX/XX/XXXX counted towards my PUBLIC SERVICE LOAN FORGIVENESS program participation retroactively. ( Paper work submitted for this. ) - Get a " REVISED PAY AS YOU EARN '' INCOME DRIVEN REPAYMENT ( IDR ) plan applied towards my account and applied to loans scheduled to come out of the grade period in XX/XX/XXXX. 
- Have existing loans taken out of " administrative forbearance '' so that I MAY BEGIN PAYING immediately with these LOAN PAYMENTS CALCULATED UNDER THE REVISED PAY AS YOU EARN IDE. 

XXXX XXXX XXXX claims they " have don't have an idea '' of how long it will take to process my " In school waiver '' form to get the payments for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX counted.
Product: Credit reporting or other personal consumer reports

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as XXXX XXXX from my consumer report.
Product: Checking or savings account

I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX//2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Debt collection

Kramer & Frank P. C. Has a new file number, and account number different from original case load which is false, that is pending against me
Product: Checking or savings account

Chase bank allowed a ticket purchase on my account for XXXX and something dollars I disputed it They gave me a credit and a month later after my bank went overdraft they took out the credit and said that I used an XXXX  device to purchase the tickets with my face and that is why they took back the credit however, I did not purchase the tickets it was not me on my account and I do not have an unlock passcode on my phone phone
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I engaged SunTrust to wire money to a recipient in XXXX. The " date of availability '' listed on my receipt is XX/XX/2018. The money has not reached the recipient and the recipient needed the funds by the end of XX/XX/2018. SunTrust sent out a tracer request on XX/XX/2018 to find out what has happened to the funds. SunTrust has used XXXX XXXX XXXX as a " pay through bank '' and placed an inquiry with XXXX XXXX XXXX. SunTrust claims that XXXX XXXX XXXX has not responded to its requests for information. It is now XX/XX/2018 and I have not received any information about where the funds are and SunTrust says that they can not tell me when XXXX XXXX XXXX will respond to its requests for information.
Product: Debt collection

AARGON AGENCY INC - Acct # XXXX XXXX and XXXX have this agency on my credit report this is for something I have never opened applied for or even know about. I have sent multiple letters and opened up multiple disputes with both bureaus and yet no verification has been sent to me of this debt and it still remains in my credit report. I am getting pretty upset and this is affecting my credit score for something I have no clue about. 

and XXXX XXXX XXXX - Acct # XXXX this is anotjer one that is on my crredit and yet I have not opened any sort of account or know of this debt this one too I have tried disputing multiple times and yet nothing is being done no verification is being sent and this is ruining my credit. 

Why do I have to pay for someone elses mistakes and why are the bureaus not responsive.
Product: Debt collection

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

I am m writing my complaint against Zelle regarding the handling of Zelles way of dispute especially in the recent events particularly of CFPB lawsuit which has shown light on recent problems with the platform of Zelle and the feeling of uncertainty of sending money to people. and recently highlights of Zelle, not protecting and helping consumers the way they should be. Which has been allowing numerous of offenders to make consumers feel unsafe and uncertain, and to be able to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

I went to apply for a vehicle and they sent me to a ton of different places rather than just one. I also applied for a credit card and they sent me everywhere some of companies I've never even seen advertised before. Here is a name of all the companies I could find : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had XXXX cards compromised as they were stolen and used by someone other than myself. I filed a complaint XX/XX/year> with both card issuers, XXXX being XXXX and the other being my USAA debit card. The person/people who took my card basically went on a shopping spree on my dime to XXXX XXXX for {$300.00}, XXXX XXXX for {$170.00} and several other stores. I was unaware until I went to use my card for my son, as the weekend it happened was his birthday weekend. I live nowhere near the facilities that were used and do not frequent any of the places these individuals used my card at. I was given a " provisional '' credit while USAA investigated it. Just XXXX weeks ago, XX/XX/XXXX, they came back stating that the charges were not fraudulent " based off the information that they had at the time of review '' and were being re-debited from my account again. I didn't even realize this had happened, as all contact has been digital, and nothing came in the mail. I didn't even get a phone call. These charges were NOT done by me and I am quite shocked that USAA would do this. I have been with them for almost 20 years and am REALLY rethinking this decision and will definitely be contemplating switching banks. Mind you, there was {$600.00} that was fraudulently utilized off my XXXX XXXX card by these same individuals which was credited back and never had to hear about it again. USAA has caused nothing but a headache and stress to this retired, XXXX vet.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} 8. XXXX BANK XXXX Balance Owed : {$0.00} 9. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX Balance Owed : {$0.00} 11. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX. XXXX XXXX Balance Owed : {$0.00} Experian : 1. XXXX XXXX Balance Owed : {$130.00} 2. XXXX XXXX Balance Owed : {$240.00} 3. XXXX XXXX Balance Owed : {$370.00} 4. XXXX XXXX Balance Owed : {$170.00} 5. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 6. XXXX XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX Balance Owed : {$0.00} XXXX 1. XXXX XXXX Balance Owed : {$250.00} 2. XXXX XXXX Balance Owed : {$260.00} 3. XXXX XXXX Balance Owed : {$170.00} 4. XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} 5. XXXX XXXX Balance Owed : {$0.00} 6. XXXX XXXX Balance Owed : {$0.00} 7. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX Balance Owed : {$0.00} 10. XXXX XXXX  XXXX XXXX Balance Owed : {$6500.00} 11. XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems for engaging in illegal debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I contacted the company in regards to a collection on my credit report. During the call, even before I could speak to a human representative, I was prompted to enter my full social security number by an automated system. I entered it because I did not know it was illegal for them to request it. The automated system said my file was not found, and it transferred me to a representative located in XXXX, who also asked me for my full name and full social security number again. I declined to provide my social again, and was yelled at by the representative, who berated me repeatedly, yelling that he wouldn't be able to locate my file if I did not provide my social security number. I hung up the phone and called again multiple times, and every time I was asked to provide my social security number. I was not able to get anywhere with a representative to verify the debt. This collection activity has caused me significant distress and frustration, because my credit score is very important and I would like to resolve the matter. The ongoing communications have made it harder and nearly impossible for me to resolve the matter properly with Jefferson Capital Systems.
Product: Mortgage

My husband and I are trying to refinance our bankrupted loan that was discharged 9 years ago. It is with Wells Fargo. We have been making our payments on time and never been late. Wells Fargo has refused to report to the credit bureaus. I have made numerous calls and they said that our loan is dead. If it is dead, why do I have statements and a loan number. My husband is retired with no credits score at all due to this! We went though hardship before, why do we keep on getting punished for doing what is right? We have proven to be responsible. We need a credit report!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I traveled with my boys from XXXX to XXXX XXXX for my son 's Soccer Tournament, on XX/XX/XXXX around XXXX XXXX  I realized my phone is not working, I Could not call out or receive any phone calls! Around XXXX XXXX  I took my phone to XXXX to see what the problem is, the person who was working at XXXX suggested replacing the sim-card to solve the issue which it did not, then she offered me a new phone and to pay the difference. Since I did have a new one in XXXX I decided to hold off and come to XXXX to replace the one I had at home, on Monday XX/XX/XXXX I replaced my phone and used the new sim card that she gave me. my phone was working after that. On Tuesday XX/XX/XXXX I checked my coinbase account with the app I had on my phone and I realized that almost the entire account was gone, the account was hacked on XX/XX/XXXX and all my currency were sold at that time. A week prior my coinbase account was worth almost {>= $1,000,000} I had only proximity {$1200.00} in it after. I called coinbase and after waiting almost 2 hours and 30 minutes I was able to get hold of someone and report the issue. I was told someone from Texas accessed my account! I locked my account and delink my bank account from coinbase and reported the incident to law enforcement such as the FBI, DOG, local police department, XXXX, and FTC! I was told by coinbase representative that after investigation, I should get a call from coinbase within seven days! Nothing yet! 
Please advise!