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

I saw a notification from my credit monitoring service today XX/XX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that dont belong to me and have been removed fromm my credit report by XXXX and XXXX. XXXX  has not removed any of these accounts that are incorrect and negatively affecting my credit XXXX credit score.The accounts are listed below : 1 ) XXXX XXXX- account # : XXXX, opened XXXX, XXXX, XXXX ( CHARGE-OFF ACCOUNT ) 2 ) XXXX XXXX XXXX-account # XXXX, opened XX/XX/XXXX ( CHARGE-OFF ACCOUNT ) 3 ) XXXX XXXX- account # XXXX, opened XX/XX/XXXX ( COLLECTION ACCOUNT ) 4 ) US BKPT CT GA XXXX ( Bankruptcy chapter XXXX- dismissed ) - Reference # XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX ( CHARGE-OFF ACCOUNT )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$170.00}.
Product: Money transfer, virtual currency, or money service

I noticed a charge on a credit card from PayPal that is NOT authorized i contacted them 23 times to no avail. 

I had to cancel my credit card due to the PayPal fraud and theft of funds
Product: Debt collection

Harassing me regarding a charge off by another collector that I don't know about. I received notice regarding an alleged debt which was charged off and then purchased by Portfolio Recovery. This account has been previously disputed and deleted from all 3 credit bureaus because it was not validated as mine and recently reinserted without proper notification to me. I have once again asked for documentation proof that I owe this debt because I am unaware. I requested signed contracts and method of which this debt was being paid. I called multiple times to obtain this information and it was not received. The last time the supervisor XXXX took the call and stated they did not have a signed contract from the original creditor on terms and conditions pages or methods of how it was originally being paid. I told her I needed proof not just basic information that is public record. This harassment for payment for something as my right to request valid documentation. Portfolio was unable to properly validate the debt in previous disputes which is why it was removed from my credit files. Now they illegally reinserted it without any notification and still aren't responding with proper validation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX CXXXXe XXXX, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer under XXXX XXXX CXXXXe XXXX. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in XXXX XXXX CXXXXe XXXX and XXXX, if this matter is not resolved promptly and accurately. 

The following items to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and TransUnion. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2018, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX  XXXX XXXX XXXX ....
Product: Money transfer, virtual currency, or money service

Sending and receiving money transfers through Cash App since the app was released. XXXX XXXX never paid me, XXXX XXXX for XXXX XXXX Re requesting funds, and reaching out to company with no help. 
These transactions gave me trouble since I used the actual card in store. 
XXXX, XX/XX/year>, {$38.00}. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$20.00}
Product: Debt collection

Dear XXXX XXXX XXXX ; Synchrony Bank ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. Cease all methods of communications and collections on this account. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Even though Ive used Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/23 I discovered an unauthorized charge on my XXXX  banking account for XXXX  XXXX XXXX XXXX for XXXX . It seems someone has fraudulently connected my bank account to an XXXX  account. I DO NOT have an account with XXXX  and have never opened signed up for any of there services.
Product: Debt collection

To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested the freeze through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.
Product: Debt collection

Enhanced Recovery Co L : Constantly calls on a false debt collection and the amount continually changes with each call. I want this false debt collection off of my credit report.
Product: Debt collection

I just received  collection notice from Allied Interstate claiming I owe an alleged debt of {$200.00}. Please produce validation. Allied is going in the direction of reporting this alleged debt to the national credit bureaus.
Product: Mortgage

I, XXXX XXXX XXXX, have applied for a loan modification with Citi Mortgage and after 60 days I still have no decision nor do I feel like my application is even being looked at. Today I called in to check the status of my modification and a supervisor in the mortgage assistance unit by the name of XXXX XXXX ID # XXXX told me that there is no time frame for a loan modification review which baffled my mind because to my knowledge they have 30 days after receiving a complete loan modification package to render a decision. I 've been told before by other reps at Citi Mortgage that it takes 30 days and we 're approaching the 30 days and to be patient that there would be a decision. On the Citi Mortgage website specifically on this page https : //www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do? page=troublepayment it says that a review takes 30 days after a complete package is received. I submitted a complete package on XXXX/XXXX/2016 and confirmed it was received and a review was opened on XXXX/XXXX/2016 by XXXX XXXX at XXXX : XXXX. She is also the assigned specialist on my file. I 'm very upset that a SUPERVISOR would tell me today XXXX/XXXX/2016 after having my complete file for almost 60 days now that there is NO time frame for a loan modification review which seems false to me according to citi mortgage 's own website! This is unacceptable! I 'm falling further and further behind while my file is just sitting on someone 's desk not being looked at, I also do n't appreciate the fact that XXXX XXXX XXXX ID # XXXX who claimed to be a supervisor after I asked to be transferred to a supervisor and got XXXX XXXX on the phone that there is NO time frame for a loan modification review. This has shocked me and caused an incredible amount of distress. They say they 're here to help then treat struggling homeowners in desperate need for help like XXXX XXXX XXXX did to me. This is extremely unacceptable and I would like to get the honest truth about if my file is really with an underwriter or not and if so, I would like to be treated fairly and have Citi Mortgage comply as I have with their requests and to give me a decision in a timely manor which they 've failed to do and not only that, they 've added distress to my already difficult situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in be my file The items I need deleted are listed in the report, I am a victim of identity theft and did not make the charge. I ask that the items deleted to correct my credit report. 

I reported the theft of my identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and multiple data breaches. I have notified all credit reporting agencies of this information and have also provided all three credit bureaus with a identity theft report from the FTC as well as an identity theft report for the local police stations listing the fraudulent accounts, addresses, phone numbers, and creditor. 

I am again attaching a copy of an updated FTC identity theft report as well as an updated police report listing the other fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The " public information '' questions they ask when verifying ID at XXXXXXXX XXXX and ( attempt at ) opening an account at XXXX contain inaccurate information and can not be answered truthfully.
Product: Credit card or prepaid card

On XX/XX/2018 I made a {$87.00} purchase with a Suntrust rewards credit card that was eligible for an activated Suntrust deal for 20 % cash back on a purchase from XXXX XXXX. 
On XX/XX/XXXX I had not received my rewards and I contacted Suntrust to inquire about the status of my rewards. I was told to wait 6-8 weeks for the reward to be deposited. ( I was not told whether the Suntrust deal was earned or not ) On XX/XX/XXXX I contacted Suntrust again with the same issue of not receiving my rewards. I was told an investigation was opening on the issue. I received no further communication from Suntrust. 
On XX/XX/XXXX I contacted Suntrust customer service to inquire about the investigation. After 2 hours speaking with customer service, I was told the results of the investigation were that I had not received the Suntrust deal, despite meeting all the necessary requirements to earn the rewards. I was told that there is a 90 day window to dispute unearned Suntrust deals, starting from the last day of the deal 's eligibility. This information was not readily available when researching Suntrust deals. Multiple customer service representatives were unaware of this 90 window which lead to the 2 hour long call with multiple representative transfers. 
The end result was that I did not receive a Suntrust deal reward that was advertised because the Suntrust deal online banking system did not properly accept my eligibility and the support department failed to properly notify me of the status of my Suntrust deals and the available steps I could take to dispute them.
Product: Credit card or prepaid card

My husband and I both have some XXXX XXXX XXXX. We have both actively been dealing with them with several XXXX working together for years. However, my husband lost his job. This has happened twice. Our credit gets to the place it is ok. We get several cc offers and then because of his XXXX XXXX XXXX we cant pay them back. I knew better this time but at the time I was scared and needed to pay the bills. I know differently now and havent even tried for a payday loan in a while. I started off with 3 cc companies and made agreements with them all. But when unexpectedly after almost 3 years I couldnt pay the original agreed upon amount but was willing to still try to find some acceptable yet affordable payment, only one wasnt ugly and horrible to me.
Product: Credit reporting or other personal consumer reports

I applied for a car loan with my XXXX XXXX who pulls a credit report from equifax. They said they could not pull anything and that it said I have match fraud ID. I contacted equifax and they said they could not verify my identity. They told me to send my documents and I did. I received a letter from them XX/XX/XXXX saying they could not locate a credit file. I have a credit report with the other credit bureaus. I contacted XXXX XXXX credit bureau XXXX XXXX XXXX and sent more of my information. so received mail from them XX/XX/XXXX saying XXXX or more of the consumer reporting agencies have determined that there XXXX be a discrepancy on your credit report. Equifax refuses to get me in contact with a supervisor and says it is my banks problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 states that a consumer can not furnish an account without my written instructions ( which I have not provided ).