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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

On XX/XX/19 I was a victim of identity theft when someone used my information to open a alternate discover account. Since, I have disputed the information with a FTC report, Police report, and provided additional information to support my dispute. I requested that the credit bureaus removed or block this information under the 605B and it has not been done within the timeframe by law. I request the all 3 credit bureaus honor my request or FCRA violations will filed against each bureau for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes online and the credit reporting agency said these were valid inquiries. I called and spoke to a rep on the phone who was not willing to help me on XX/XX/XXXX Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 


XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX THE XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX   Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX   Date Filed XX/XX/XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies were involved in a data breach. 15USC1681
Product: Credit card or prepaid card

I have called twice to close my Discover credit card and it is still showing as open online and on my credit report. I closed one of my other credit card 2 days ago and it is showing as closed on my credit report right away so this makes no sense why Discover has not closed my account. 
Please close my Discover card ending in XXXX and send me written confirmation of this! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent Walmart account and was told it was sold to XXXX XXXX, I was informed by XXXX XXXX that the debt was paid.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, I received a response from Equifax on the disputed XXXX trade line. Equifax confirmation number XXXX. I would like to report that this account is still inaccurate. This account is currently showing in the current status section of the report as a charge off. I have provided documentation directly from the creditor, indicating that this account has been paid and has a XXXX balance. It is ridiculous that the current status in the report is reporting that it is charged off, when its not. In addition, the date of the first delinquency is incorrect. How is it that the date of the first delinquency is XX/XX/XXXX and the date of the major delinquency first reported is XX/XX/XXXX of XXXX that literally makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

First progress secure credit told me that if I paid the balance off that the account would be removed from my credit report. 

They have refused to remove the account from my credit reports XXXX, XXXX XXXX and XXXX. 

Ive disputed it several times.
Product: Debt collection

I am filing this complaint to report an issue regarding a debt of {$1700.00} that Credit Corp Solutions is reporting to the credit bureaus. I believe this debt is invalid, and their handling of my dispute violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here are the details of my complaint : Dispute and Request for Validation : I disputed the debt and formally requested a validation letter from Credit Corp Solutions.

In response, they sent me an affidavit of fraud dated XX/XX/year>. This document does not constitute proper validation of the debt as required by law. 
Contradictory Statements : I spoke to a representative named XXXX XXXX over the phone. She informed me that Credit Corp Solutions can not provide a validation letter because the statute of limitations has expired, and they are no longer actively collecting on the debt. 
Despite this, when I contacted the credit bureau, they stated that this debt was validated on XX/XX/year>. 
Ongoing Reporting to the Credit Bureau : Credit Corp Solutions continues to report this debt to the credit bureaus, despite acknowledging that they are not collecting on it and the statute of limitations has expired.

This reporting is damaging my credit and causing unnecessary stress.

I believe Credit Corp Solutions and the credit bureau have violated the following : FDCPA : Failing to validate the debt and providing misleading or incomplete information.

FCRA : Reporting inaccurate or unverifiable information to the credit bureaus. 
I request that the CFPB investigate this matter and take appropriate action.
Product: Checking or savings account

I opened an account with the Bank of America on XX/XX/20 during COVID-19. After losing my job due to the pandemic, I immediately changed my unemployment payment to be deposited into this account. On XX/XX/20 I logged into my mobile banking account and noticed a hold, immediately I went to the branch, were I was advised they would not close the account as I was able to provide proof of identity. The following day on XX/XX/20 I was advised that my account would have to be closed because the branch agent " did not do her job '', and in order to receive the funds, myself and my spouse would need to go to a branch so a cashiers check could be issued for the amount, and nothing would be done to close the account until that day. On XX/XX/20 we entered a branch only to be advised that the account had been scheduled to be closed on XX/XX/20 and a check would be issued and they would not be able to assist us at the branch. We were then advised to allow 10 business days from the XXXX for the check to be received by mail. After not receiving the check during the advised time ; On XX/XX/20 I called again and spoke with several customer service agents before being directed to the risk closure department for assistance. That same day I spoke with a gentlemen who advised me to give it an additional 2 days to receive the check because if they cancelled the check I would then have to begin the process from the start and it could take longer. He advised if I don't receive it in the following two days I can call back and give my new address and they would reissue a check that same day ( had to move back home because once again we are in a pandemic and I am unemployed ). Today XX/XX/20 I call back and am told they are unable to reissue a check. I have to allow them 90 days ( until XXXX ) to give me money I desperately need because again, we are in a pandemic that caused me to lose my job. Everyone is unwilling to help or come up with a reasonable solution. I have been waiting for these funds for nearly a month now.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent you the letter form the court house did not find any filling or any information shared with ypour organization and then all these inquirires which are not mine never requested any services from those creditors on those dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

USAA sends me Statements with a balance due and late charges.

I told them I did not authorize this on my USSA Credit Card and that the " debt '' was disputed/not owed. They keep sending Statements with more late charges. USAA reported me to at least 3 agencies which resulted in my
CREDIT SCORE being lowered by XXXX points ; from XXXX to XXXX. They have not corrected this despite my request that they do so. Info they reported is inaccurate; incomplete ; and non verifiable! I may file suit to have the Court address this matter ... .after I exhaust my administrative remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used and stole my information and opened a mortgage in my name. I am not currently a homeowner and I have never beeen one. I wasn't told the name of the company. I do not know how this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enjoy Lexington Law in XX/XX/2022 and charged for services on the XXXX of XXXX, XXXX then charged for the services for XXXX XXXX. but on the XXXX of XXXX i decided to cancelled since I was not seen any results... even more a debt collector is trying to sue me after supposedly the debt was removed by XXXXexington law, on XXXX. when i cancelled, lexington charged anyways a fee of XXXX thats almost the amount of the membership.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son attended XXXX University 10 years ago for one year which I paid for under a Parent Plus Loan. Someone other than myself signed a Private loan for a second year however several key information items were incorrect in the loan application including misidentifying my wife 's name, email address along with signature dates. The loan application was electronically signed with my son 's name and me as co-borrower. I filed an identity theft report with the XXXX County Police who were unable to investigate as too much time had past between the filling of the complaint and the original loan. I became aware of the loan only after 3 years and six months from granting and paying XXXX University as the loan was in deferment until the forecasted graduation date plus six months. The loan has been in collection for over 7 years ; is now charged off but listed as a charge off against my credit score. As this is the result of ID theft and the creditor failed to establish liability within the statue of limitations in Virginia I have repeatedly ask each of the credit reporting agencies to remove from my record.
Product: Credit card

I had an unauthorized medical charge fee. A therapist took my card in person and assured me nothing would be charged to it. No disclosures or documents were given ro me at that time. Now, capital one is taking their side. They are requested additional documents. There are no additional documents. I explained that this medical establishment fraudulently took and held credit card captive. I was instructed to send them a letter stating that. I did and my claim was denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification used by the Consumer Financial Protection Bureau ( CFPB ) to determine the accuracy of the following accounts on my credit report : - XXXX XXXX XXXX - Charge Off - XXXX XXXX XXXX XXXX - Charge Off - XXXX  XXXX - Late Payments - XXXX XXXX XXXX XXXX  - Late Payments It is crucial for me to understand the process and criteria utilized to verify these accounts as accurate. This request is not a dispute but a formal demand for verification and reinvestigation of the aforementioned accounts. In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am requesting the following : 1. **Method of Verification : ** - A detailed explanation of the specific steps taken to verify the accuracy of these accounts. 
- The sources of information used during the verification process. 
- The criteria used to determine the accuracy of the information. 

2. **Verification Contacts : ** - The names and business addresses of each individual or entity with whom you verified the below information so that I may follow up. 

3. **Credit Report Copy : ** - A copy of my credit report after your investigation and verification process is completed. 

For your reference, the accounts in question were verified as follows : - XXXX XXXX XXXX XXXX  Verified as reported. 
- XXXX XXXX  XXXX XXXX : ** Verified as reported. 
- **XXXX  XXXX XXXX XXXX ** Verified as reported. 
- **XXXX  XXXX XXXX XXXX XXXX ** Verified that the remaining disputed information was accurate as reported. Additional information has been provided from the original source regarding this item, with modifications to the following fields : scheduled payment, date of last payment, closed date, date of last activity/date of first delinquency, additional information, historical account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau over 45 days ago to remove all unauthorized inquiries listed below. I have not heard back from them and every time I call i get a different story. They are not willing to cooperate in removing these unauthorized inquiries they are reporting that do not belong to me. This needs to be fixed because it is wrong. This is holding me back from obtaining good credit.
Product: Debt collection

The convergent collection agency was calling to collect on an account I already have a payment arrangement set up with the call was unnecessary. due to already working a plan out with them. the call took place at XXXX XXXX Pacific time and ended at XXXX XXXX Pacific time the phone number they called from is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is charging me for a canceled card as of XX/XX/2020, then they added a late fee totaling {$64.00} and their deception cost me 13 points on my credit score to this point. 

Trying to communicate to them the card doesnt exists is like talking to a wall! 

Please help me make them go away!!!!! 

P.S. I did not get bills in the mail over this period of time either Thank you, XXXX XXXX
Product: Bank account or service

I have a pending transaction in my account and transferred funds to cover it the same day, TD bank processed the debit before credit then charged me {$35.00} overdraft fees. On the XXXX i did another deposit/transfer of {$200.00} for some XXXX bills i wanted to pay and they did the same thing, processed the debits before the credits and charged me another {$35.00} hence effectively ensuring transactions are not processed the way they come in. I THOUGHT IF I WANTED TO SPEND {$20.00} ON MY CARD, STOPPED AT A BANK AND DEPOSITED THE {$20.00} I SHOULD N'T BE charged when i used that card??? Not TD Bank
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Complaint Data Breach and FDCPA/FCRA Violations Dear CFPB, I am filing this formal complaint against XXXX & XXXX XXXX LVNV FUNDING LLC XXXX and PORTFOLIO RECOVERY ASSOCIATES for their involvement in reporting debts tied to my personal information, which was exposed in a data breach. Under 15 U.S.C. 1681 and Section 605B, I demand that these accounts be removed immediately from my credit report. 

The following accounts are at issue : XXXX XXXX XXXX IN ( Original Creditor : XXXX ) {$920.00} ( Updated XX/XX/year> ) LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX  ) {$1600.00} ( Updated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX. ) {$410.00} ( Updated XX/XX/year> ) These debts have been improperly reported, and my personally identifiable information ( PII ) was compromised in a data breach. According to 15 U.S.C. 1681 and Section 605B, debts resulting from fraud or identity theft must be removed immediately. The failure to address this promptly is a direct violation of federal laws designed to protect consumers like myself. 

In addition to requesting the removal of these accounts, I have sent disputes directly to the reporting agencies and demanded that IRS Form XXXX be provided for verification of any canceled, forgiven, or written-off debt. However, these agencies have continued their collection efforts and reporting practices without proper documentation. 

I request that the CFPB investigate these agencies for their violations of the FDCPA, FCRA, and the negligent handling of consumer data. I urge you to ensure that these debts are removed from my credit report without delay. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/year> this debt from XXXX XXXX was sold to Midland Credit Management which is a collections agency. This card was originally opened fraudulently without my consent or knowledge directly from XXXX XXXX. I contacted them about the issue and was referred to XXXX. I never opened this account and it is a direct result of fraudulent activity and identity theft. I filed an FTC Report regarding this account ( Reference # XXXX ). Please remove this account from my credit report as it is not mine and I never opened it. FCRA Law clearly states I shall NOT be held liable for debt that was accrued in my name fraudulently without my consent. The amount of {$800.00} is for collections.
Product: Checking or savings account

Wells Fargo notified us that they were closing our business checking account due to suspected unauthorized of a single wire. We confirmed with them the wire was not fraudulent with definite proof, and even asked them to reverse the wire /as/ well as sent the customer a check that was cashed with that amount, Wells Fargo also wired the customer back. They locked us out of all accounts ( not only the business account but every single Wells Fargo account we had ). They said the account would be closed on the XXXX of XXXX, and a cashiers check would come soon after. That did not happen, we called again and they said it would be closed on XX/XX/XXXX. That did not happen- they did not send the check. Now when we call they are claiming to hold the money that was in the bank account up to 60 days with no reasoning as to why other than we are investigating. This is our entire business checking account that we use to pay payroll with, it has all of our operating cash, over {$200000.00}. We will go out of business if this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}