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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I initially borrowed {$500.00} in XXXX 2015. To date, I have paid {$990.00}. I read the loan payments would be monthly, but they withdrew them every two weeks, which have left myself and my children short for rent, utility payments and food. This loan XXXX lacing my family at risk and I am requesting assistance with addressing this fraudulent matter. I was informed by my Financial Advisor, that Payday loans are illegal in Massachusetts. I 'm battling XXXX and need to be sure I can protect my children. Please help us.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to Request, persuadant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that the TRANSUNION Credit Reporting Agency , within 5 business days of you receiving this complaint to block information appearing on my Consumer Credit Report that is the result of identity theft and fraud. the actions I have taken have been to request that these Fraudulent accounts be removed from my Consumer Credit Report within 5 business days. 

This fraudulent, inaccurate, and false information consists of 5 ACCOUNT, the aforementioned : Auto loan account open at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my TRANSUNION Consumer FICO Credit Report. 

I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, collections, appearing on my Consumer Credit Report maintained by you were not open, made, or initiated by me.

All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX # XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove XXXX account from my credit report. Its over XXXX XXXX XXXX. I want {$1000.00} because they just refuse to remove it.
Product: Checking or savings account

Beginning Balance {$320.00} on XXXX XXXX a online payment to credit card {$78.00} and a Check # XXXX {$240.00} Total {$310.00} Both on XXXX XXXX Funds {$320.00} is Enough to cover. 

On XXXX XXXX in Branch/Lobby personal visit to Deposit with Cash withdrawal of Government Stimulus check receipt enclosed. Bank teller Did not inform me that a cash withdrawal from deposit of stimulus check " could not happen/able only a deposit '' at this time '' Teller responsibility/job duties when " depositing check '' and/or in Customer account/management. 

On XX/XX/XXXX Same day ( deposit and cash withdrawal ) FEE '' S 4x happened : " Force post Debit - {$37.00} times Three ( 3 ) and another FEE for " return check '' {$37.00} TOTAL {$140.00}. 

On XXXX XXXX *Over Draft fee refund " {$74.00} see email dated XXXX XXXX @ XXXX after speaking to Customer service XXXX XXXX she said ( recorded message/phone call that she is only able to credit TWO Fee 's -other TWO fee's- would have to be done by personal visit to Branch Visit assist manager XXXX could only do /access one credit of Two/ '' tools not able computer '' - I asked to have XXXX XXXX phoned XXXX about issue- again only access credit one- I called my XXXX to TCF customer service unable to reach XXXX and phone call hung up upon, Next day called again customer service " chat with XXXX '' with employee says again credit and Nothing happened to credit my account of the Two remaining charges of Fee 's to my account- this/was a Recorded phone calls and TCF/XXXX bank are Denying '' what was said and refuse to correct the remaining fee 's. 

I have XXXX out of " overdraft fee 's and " returning a Check # XXXX and credit card payment ( overdraft charges *Are Not my mistakes nor are they " non sufficient funds available issue- These Fee 's Non allowable/fraudulent and misleading. I want other TWO Fee 's returned to my account.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX   XXXX : XXXX Experian : XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, XXXX thru my WellsFargo account, I've transferred money in the amount of XXXX. XXXX ( {$100.00} including the transfer fee ) to my son 's XXXX Account in the XXXX. Unfortunately, the money didn't go thru to his bank account for the reason that his bdo account was already closed due to maintaining balance was not maintained.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report. 

Specifically, I am seeking the removal of the following unauthorized account : XXXX XXXXXXXX XXXX ( XXXX ) It is essential that my credit report reflects only accurate and legitimate information.
Product: Money transfer, virtual currency, or money service

I am filing g a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violation the Customer Financial Protection Act ( CFPA ). Specially cash app failed to take timely and efficiently measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore their dispute resolution was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic Funds Transfer Act ( EFTA ) and regulations E. These actions has caused significant inconvenience Financial loss and i am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has me listed with a Birthdate in XXXX. I was born in XXXX. I have tried to contact Experian multiple times, even sending certified mail only to have it returned to me - I had no problems prior to this year as I just bought a car earlier last year.
Product: Credit card or prepaid card

XXXX XXXX offered 20 % off if you provided an email address when you first visited the site. I did that. loaded items into the cart and then received a pop up for additional 20 % off your first order today when I applied for the XXXX XXXX XXXX Mastercard. The code was never provided and they would not honor an additional 20 % claiming they could not stack coupons. This was bait and switch. VERY MISLEADING I called the company, the lender and the rewards dept and customer service none of which would help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a XXXX account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  XXXX, account number # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

After a thorough investigation of my credit report I found that My personal information is incorrect. My name should read XXXX XXXX my address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. XXXX Privacy Act of 1974 The Privacy Act of 1974 establishes rules for collecting, maintaining, using, and disseminating personal information by all federal agencies. Individuals have the right to know what information is being collected, how that data is being utilized, and the ability to request corrections.
Product: Debt collection

I received a dunning letter from a 3rd part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing XXXX XXXX XXXX, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These 3rd party debt collectors are posing as attorney 's representing XXXX XXXX XXXX, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered.
Product: Credit reporting or other personal consumer reports

To : TransUnion XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Unauthorized or Inaccurate Credit Inquiries Dear TransUnionXXXX I am writing to formally dispute unauthorized or inaccurate inquiries listed on my credit report and request their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be included on my credit report if I initiated the request or provided written authorization for the creditor to access my report. After reviewing my credit report, I have identified the following inquiries that I do not recognize or did not authorize : Reporting TransUnion : Inquiry XXXX 
Date of Inquiry XXXX XXXX XXXX : Inquiry XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX : XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX Inquiry XXXX XXXX  XXXX Date of Inquiry XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX 
Date of Inquiry XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX... 
Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX Inquiry XXXX Date of Inquiry XXXX Inquiry XXXX XXXX 
Date of Inquiry XXXX XXXX XXXX XXXX 
Date of Inquiry XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
Date of Inquiry XXXX XXXX XXXX XXXX 
Date of Inquiry XXXX I kindly request an investigation into these inquiries to determine their legitimacy. 
If they can not be verified as authorized by me, I ask that they be permanently removed from my credit report. 
Legal Obligations As outlined by the FCRA : 1. You must investigate disputed inquiries within 30 days of receiving this letter. 
2. You are required to notify me of the results of the investigation within 5 business days of its completion. 
3. Any unverifiable or unauthorized information must be promptly removed from my credit report. 

Failure to comply with these requirements may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Enclosed, I have included copies of my government-issued ID and proof of address to verify my identity. 

Please confirm receipt of this letter and provide updates regarding the status of the investigation. Should you require further information, feel free to contact me using the phone number or email provided above. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, Sent by certified mail, response was that they " verified ''. 
I sent another letter requesting the proof of Verification for these unauthorized inquiries. 
No proof was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX  BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE
Product: Checking or savings account

i need ssa and credit reports to release my report for verification to open banks and credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank XXXX has done some illegal ReAging of my account that was opened XX/XX/XXXX and closed XX/XX/XXXX and charged off. I've disputed this multiple times through XXXX  and XXXX to take a look at this reporting because how can an account be closed XX/XX/XXXX but my first delinquent date was XX/XX/XXXX and no reporting prior to this date. It's strange XXXX  got this item deleted but not XXXX  and XXXX who keeps giving me a hard time on this disputed item. TD Bank updated my report saying I recently made a {$28.00} payment and that wasn't true either. This has caused a lot of frustration and stress with trying to rebuild your credit and negative reporting is happening causing consumers to miss out on jobs, higher interest rates, and discouragement when trying to only rebuild their credit. Im sure I'm not the only consumer going thru this illegal re-aging with XXXX  and little help from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a Chapter XXXX on my credit file from XX/XX/2013. My daughter and I share the same name. I have advised Transunion this is not my Bankruptcy. Please verify this information correctly. And advise how it was verified. This Chapter XXXX was filed in XXXX XXXX Nevada in XX/XX/2013. I have resided in XXXX, Al all my life. This is not my BK. For 6 years Transunion has ruined my credit I'm going to hire a Attorney for damages if this isn't removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.XXXX {$0.00} XXXX {$44.00} XXXX {$19000.00} XXXX {$270.00} XXXX {$190.00} XXXX {$3500.00} XXXX {$1700.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Product: Checking or savings account

I opened a checking ( account # XXXX ) and saving account with First Citizen Bank on XX/XX/XXXX with a promotion below : " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I called the customer service back in XXXX and confirmed that the promotion code was successfully applied in my application, and later I completed 10 debit transaction by XX/XX/XXXX. It has been more than 120 days since I fulfill all the requirements, but I still don't see the bonus posted in my account. 
I contacted customer service, but they still don't provide any useful information. Here 's their reply : " Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, XXXX XXXX, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called XXXX XXXX  on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.
Product: Bank account or service

My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer