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

Around 2 weeks back, my credit score went down by XXXX points, when I have never missed any payment ever. 
I called Transunion and found out that there is a credit card debt in my name. After looking deeper into credit report, found a XXXXXXXX XXXX account associated with my SSN that I never opened. It has a balance of {$13000.00}. So I opened a dispute with Transunion to fix this fraud situation and take it out from my SSN. 
Also, reported the issue to XXXXXXXX XXXX immediately. XXXXXXXX XXXX  did their investigation and confirmed to me on the call that this account is not associated with my SSN anymore and it was indeed a fraud. 
XX/XX/XXXX, My credit score again went down by another XXXX points. I contacted Transunion to find out that the Dispute is now closed, as per the creditor the account is still associated with my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.
Product: Money transfer, virtual currency, or money service

Monday morning XX/XX/XXXX XXXX made a purchase at XXXX in XXXX California on the way to taking my children to the doctor. While in the waiting room I got a notification that {$480.00} was withdrawn from my account in XXXX California. I immediately called CARD.com and told them to stop that transaction. They said they couldnt because it was pending. They said they would help me resolve the issue. But first had to cancel my card. I told I have no money, that I needed to pull some out before they canceled it. They gave me the runaround the rest of day going to several different banks and cash advance place attempting to withdraw with no results. They then said oh sir youve reached your daily limit I said no I hadnt taken or received any amount. So they canceled the card & left me with nothing. They said they were going to email me a dispute form and needed me to fill out & fax back in order to start the investigation. 2 days later, no email/form. So I called CARD.com to ask when my new card would arrive and why havent I got the dispute form? They said that hadnt issued the new card, did I want them to? They then stated their investigation was over and they declined my dispute. I asked what investigation? I asked what did they do? I got no answer. I told them I googled the address where my money was stolen and talked to the XXXX at a XXXX. XXXX said they will work with XXXX-CARD.com to help resolve this. CARD.com flat out told me No, they dont need to do that. 
I get paid minimum wage, work very hard and I have XXXX children. Can you please help make this right!? Please! I still dont have a new card, I little to nothing. Thank you for anything you can do
Product: Debt collection

I previously spoke with JP Morgan Chase regarding a business Credit card debt reporting on my personal credit report. The balance is {$18000.00}. I have received letters and phone calls after asking to be put on the do not call list. The information that is reporting on my personal credit report is inaccurate and causing a negative impact. I am not liable for the debt owed to this company.
Product: Debt collection

I am the victim of people of bad faith. I never received anything from them, neither invoices, nor reminder since the address they were using was false. 
when i finally received a letter from their service through my postman i immediately contacted them, paid and received payment confirmation on XX/XX/XXXX at the correct address. 
How could I pay an invoice that I do not receive. and this is valid for the whole ARS file. ( 6 ) It seems to me that my dispute is perfectly founded and I request the total erasure of these inscriptions. 
I am considering hiring a lawyer but I am awaiting your decisions.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four 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 2 are required per the Law. 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 : ( 2 ) 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 listed IMMEDIATELY.
Product: Credit card

On XX/XX/XXXX, I called TD Bank ( at XXXX XXXX  ~ XXXX hour and XXXX minutes ) to just pay off the debt. I waited on hold and was passed around from department to department at least XXXX times, each time being asked for my XXXX account number and other tedious and redundant questions, before I spoke with XXXX - agent ID XXXX. 
I told her I was calling to settle the debt but that I needed to be made whole again. My credit needed to be restored by them. She told me TD Bank would settle at XXXX and the credit was another issue. I asked her to write up the settlement, but she refused. 
In addition to that the Agent attempted to gaslight me and by saying the letter I had received from TD Bank had nothing to do with the investigation despite the repeated references to the letter as the findings of the investigation on my previous call on XX/XX/XXXX at XXXX on a recorded line approx. XXXX minutes. 
I appreciate your attention to this matter and seek a timely resolution. 

Also, previous attempts at resolution have not been addressed. TD Bank has not addressed the unfounded investigation that has adversely affected my reputation. The suggestion that I claimed I resided at XXXX XXXX XXXX remains unaddressed. I kindly request clarification on the source of this address and the purpose behind its inclusion. 
Furthermore, I urge prompt attention to the terms of the loan. Had this matter been promptly resolved, the merchandise could have been returned. Unfortunately, despite having my contact information, I received no communication until XXXX months after the sale. Regrettably, this delay has impacted my ability to return the merchandise and has furthermore negatively impacted my credit and hindered my housing and employment prospects, as credit reports often scrutinize such discrepancies. 
I am deeply distressed by the false accusations and the lack of transparency exhibited by TD Bank and XXXX XXXX XXXX. Their collective actions appear to constitute a deceptive scheme, violating fair business practices. 
Additionally, I note that their documentation fails to mention the substantial monthly payment of {$380.00}. Such a financial commitment should be explicitly shown to customers, as it significantly impacts their financial obligations and their lives. 
I emphasize that I was unaware I was applying for a credit card. The sales representative, XXXX XXXX, misled me by suggesting I have an XXXX grace period for furniture payment and the subsequent documents provided did not state that XXXX XXXX monthly obligation was being incurred.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account. Your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : '' Date of Last Delinquency '' is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX Account Name : XXXX Account # : XXXX
Product: Credit reporting 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 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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 A Section 2 : It also states 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA. 

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Portfolio Stated to call them ; however they can't address my concerns. 

XX/XX/XXXX Portfolio Stated this : Portfolio Recovery Associates , LLC ( PRA ) is in receipt of your complaint, dated XX/XX/XXXX, but with the information that was provided to us we are currently unable to locate the records needed to comply with your request. In order for us to assist you, we ask that you provide us with additional information such as your date of birth and addresses since XXXX including whether you used the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. You may call Portfolio Recovery Associates , LLC ( PRA ) at XXXX from XXXX XXXX XXXX XXXX XXXX Monday through Thursday, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sunday ( all times Eastern time zone ). 

I find it interesting that you can provided the Texas address. 

DOB Date : XX/XX/XXXX The address is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX Again requesting to stop all calls and provided me what the debt is for? 
What the Age of the account?

Status of Account?
Product: Checking or savings account

As the start of XXXX applied for a loan on line. In touch with a lender approved me the loan but before approval they required to pay insurance of the loan thru purchasing Gift cards by intially sending me the money via mobile deposits to my bank account amounting to $ XXXX. Nothing wrong got into me so followed to them and sent them serial numbers on phone anyways they paid for it. Here comes XXXX day my bank called me and said transactions are shady so from there they hold my account including my debit card without any Access from me and told me the deposits are bogus and told me i was Scammed. So i told them the money i got was only used to get the gift cards, no excess that went to me. Upon conversing with them fraud dept. i told them to stop accepting checks coming in from the Scammers XXXX return it. Until last week received a letter from my bank Global Credit Union that i owe them over $ XXXX Overdraft fees caused by bogus checks continously sent to my bank. This is redicoulous never receive a phone call only daily checks sent by the Scammer thru mail from Global bank. All the while my phone conversation to the fraud dept. they will put a stop on this so i wont incur charges. I am a Victim by a Scammer including my Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried again contact with XXXX  Trans Union and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

delete these inquiries XXXX XXXX XXXX via XXXX XXXX inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX, XX/XX/XXXX equfax my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX  my credit was accessed on XX/XX/XXXXXXXX by XXXX XXXX XXXX XXXX XXXX my credit  was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian put a Collection notice on my credit report of XX/XX/2023 from XXXX XXXX XXXX for {$1600.00}. This was noted as from 5 years ago as when the last payment/money was due, per XXXX. 
I called XXXX and wrote them the same day and they have not yet ever responded. 
I also filed a dispute with Experian, which resulted in Experian stating that XXXX just verified the Collection ; but, did not provide any documentation, proof or law. 
Section 337 of the CA Code limits the Statute of Limitations on a contract to 4 yers from the time of the last due payment.

You should direct Experian, as a matter of law, should remove the notice. 
You should direct XXXX too. 
I do not know who these creditors are or what their issues may be. But, what I do know is they are exactly why we have your agency to insure they do not take advantage of consumers.
Product: Checking or savings account

On XX/XX/XXXX, I received a deposit from the Internal Revenue Service for {$7300.00} for my XXXX tax return. Navy Federal took my deposit from the Internal Revenue Service of {$7300.00} due to an unpaid credit card account that I have with Navy Federal. Navy Federal did this without any merit or authorization from me. Navy Federal also has never issued me any notice or request for the removal of funds from any of my Navy Federal accounts. 

A similar issue occurred in XXXX of XXXX about CFPB complaint # XXXX. This previous complaint was due to Navy Federal taking nearly {$10000.00}. Navy Federal resolved my previous issue by returning my funds. 

I am behind with my mortgage payments and Navy Federal willfully and maliciously committed an illegal violation of California Business & Professions Code 17200 Unfair Business Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

In XXXX, I mailed a letter to validate XXXX collection accounts that are being reported to the credit bureaus. The accounts were opened with Professional Finance Company ( PFC USA ). Account XXXX showing a balance of XXXX and opened : XX/XX/21. Account XXXX is showing a balance XXXX} and was opened XX/XX/21. XXXX XXXX failed to respond to my validation letter. The uploaded attachment is the letter that was mailed
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is allowing a false and unverifiable account to continue reporting without any proof. I have requested several times and filed a police report. accnt # XXXX
Product: Credit reporting or other personal consumer reports

XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not used that credit card for months or more than a year, they are charging a false balance, I do not owe a penny to that credit card, it is damaging my credit.
Product: Payday loan, title loan, or personal loan

Ive contacted Blue Trust Loans/Hummingbird ( another business name ) and revoked all ACH transactions and wage assignments as well as any electronic checks to debit my account. This loan had outrageous hidden fees and even though I had originally requested to pay the loan in full they still set up the loan in biweekly payments on my pay date. The interest rates far exceed the allowable amounts in Indiana and they are allowing users to borrow more then what the state allows which is {$550.00}. They have not responded to my revocation email and should not be lending in Indiana as they are violating the lending laws and do not have a license to operate in this state.