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

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Social Security Number : To Whom It May Concern : I have recently been informed that there is negative information reported by CREDIT CONTROL SERVICE in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$360.00} on XX/XX/2021. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with CREDIT CONTROL SERVICE and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and invalid negative account that has recently appeared on my credit report. I do not recognize this account and believe it to be erroneously reported.
Product: Debt collection

Berlin Wheeler is repeatedly calling me on my cell phone and my work phone. I feel they are being threatening and they are violating the FDCPA as I have told them repeatedly that they can not call me at work.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, 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 from the file of the consumer, or modify that item of information, as appropriate, based on the result of the investigation, and ( ii ) and properly notify the furnisher of the information that has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX- This personal information is incorrect, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX, FL XXXX - This personal information is incorrect, please remove from credit report immediately Accounts : XXXX. XXXXXXXX XXXX Acct XXXX - This account is being reported inaccurately, please remove from my credit report immediately. 

XXXX. XXXX XXXX ( Original Creditor : XXXX AT T ), Account XXXX - This account is being reported inaccurately, please remove form my credit report immediately. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately. 

XXXX. XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX XXXX XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately XXXX. XXXX XXXX XXXX, XX/XX/year> - This inquiry was not authorized, please remove from my credit report immediately
Product: Checking or savings account

I would like to have my investment application to have access to my account. Specifically XXXX. They have the option of " XXXX XXXX '' investment. It takes your purchases and rounds them up to the nearest dollar and invests that difference. I cant do this due to PNCs security.
Product: Credit card

I apply to this store card on XX/XX/24. Crate my account online and when was ready to make the purchase I recive an error saying insufficient credit. I call the TD Bank and told them that my credit limit was {$5500.00} and it wont let me use the card. The advise to do a verification process and was not successful. Then advise they will send a letter. Recive the letter XXXX and call as the letter advise and yet no solution just wait more and no estimate date to this to be resolve. Is very frustrating that this application affected my credit and was no able to use the account as expected. They advise that I need to update phone numbers on credit respirating agency but checking my credit realize the phone numbers where there. After wating I decide to take this step and delete this from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail in XXXX to request a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to my account : To Provide documentary evidence of my indebtedness for all charges for which they claim I made late payment.

To Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not they claim they were late, from the date the account was opened through the present. I never received this information. Therefore, by law, the derogatory mark must be removed from XXXX, XXXX, and XXXX  immediately.
Product: Credit reporting or other personal consumer reports

The company sold my personal information including home address, cell phone number to third parties. I get phone calls daily and mail from companies offering me products related to a reverse mortgage, insurance, etc etc. 

I have requested my rights under the privacy policy not to share any of my information.
Product: Credit card or prepaid card

I opened an account through XXXX 's website with American Express. I was promised a {$400.00} statement credit after 2-3 months and with a XXXX XXXX XXXX I did all this. I never received a statement credit. I had to call 5 times over 3-4 months before I was finally told I wasn't eligible because I had a prior acct with them. This account was years ago and I never made any purchases because AmEx couldn't get me the info to make the qualifying purchase ( a XXXX flight ) in time and thus I immediately closed it. Never made a purchase or received an award. So, I basically twice missed out on getting the advertised/promised reward. AmEx says I was told in the application process online that I was ineligible but I was not. I would never have opened the account. Additionally, if that was so obvious, why did no one tell me that on the first 3-4 phone calls. These practices are deceptive and designed to confuse consumers and keep them on the hook with their accounts open.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent phone account was opened at XXXX on XX/XX/XXXX under account number XXXX. It has resulted in fraudulent hard inquiries and collections. The fraudulent inquiries on TransUnion include XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( all XX/XX/XXXX )XXXX XXXX/XXXX  ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). Experian includes XXXX XXXX I ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX XXXX  ( both XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). XXXX includes XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( both XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). I demand removal of these fraudulent items from my reports and cessation of all related collection activity under my rights within FCRA and FDCPA laws. Delete these items within XXXX  days of receipt or provide proof that you contacted the FTC to verify this Affidavit. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

Wells Fargo closed my saving account saying it was overdrawn XXXX I deposited 2 checks in that Wells Fargo sent me for falsely opening credit monitoring account in my name then they took the funds out of my account saying that those checks were paid which they had not been.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my XXXX XXXX and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I attempted to make a payment of {$9300.00} on XX/XX/XXXX to my XXXX student loan servicer, NelNet. I received a confirmation that this payment went through on XX/XX/XXXX. In addition to paying them this sum, I have an automatic payment set-up for {$250.00} monthly. Due to their electronic confirmation of my payment, I believed that I my outstanding balance would have been {$920.00}, then subtracting my automatic payment would have been {$670.00} Nelnet is claiming that this payment was posted to my account ( XXXX XXXX XXXX ) but then they got an electronic message from XXXX that " no bank account/ unable to locate account '' - despite me having used this bank account to make payments to this account as recently as of XXXX of last year. On XX/XX/XXXX I made a successful payment {$5000.00} using this exact same bank account. 

Nelnet put a notice on my account that it is past due, despite my good faith efforts to make payments of {$9300.00} on XX/XX/XXXX and an additional {$250.00} on XX/XX/XXXX. I should only owe {$670.00} as of today, and due to the errors of NelNet or XXXX I now owe ( after re-attempting to make a payment of {$9300.00} today ) {$760.00}
Product: Student loan

I was approved for approved for either an Income based payment plan or a forbearance in  XX/XX/XXXX  on  XX/XX/XXXX I received an e-mail from Navient stating that I owed {$0.00} for the month and this amount would be the same until XX/XX/XXXX  Three days later on the  XX/XX/XXXX  I received an e-mail from Navient that states I owe   XXXX   this e-mail contradicted the e-mail sent three days earlier
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the XXXX  breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}
Product: Credit card or prepaid card

2 accounts were opened in my name of the same day through Bank Of America on XX/XX/2022. There is one charge for {$75.00} that I know of. There is supposed to a be a block on my social security number so that no one can open a credit line using it until I prove my identity first. I dont understand how a credit line was opened not once but twice on the same day.
Product: Credit reporting or other personal consumer reports

My credit was used fraudulently. I have filed an Identity Theft report again, as requested by TransUnion. I have submitted it to them via mail, however, they continually send me letters stating that they won't process the dispute because they don't think it's me submitting the letter along with the Identity Theft report. I am here to tell you that it is me. I am writing this correspondence because my last communications that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all went unanswered. Im sure you understand that credit bureaus are mandated to follow the Fair Credit Reporting Act and under said act, you are REQUIRED to respond to all disputes and/or requests for verification of compliant reporting within 30 days. You have FAILED to do so and are now in VIOLATION of the federally composed Fair Credit Reporting Act. Per 15 U.S. Code 1681i ( a ) : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Cap XXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many dispute letters to Equifax and XXXX in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

please report my XXXXXXXX XXXX  company cant do it for one and not for another person FCRA laws SEE attachment
Product: Credit card or prepaid card

Did not apply for a credit card, it said to see if you pre-qualified and NO Inquiry on your credit report!! THEY LIED, I HAVE A HARD INQUIRY AND A CREDIT CARD FROM DESTINY I DO NOT WANT NEITHER DO I WANT IT ON MY CREDIT REPORT! THEY ARE DO FRAUDULENT ADVERTISING.
Product: Credit card or prepaid card

To Whom It May Concern, I purchased an XXXX  at the XXXX XXXX XXXX Ca. on XXXX XXXX and I represented my XXXX card for payment. The well programmed sales person offered me an Apple Card instead for a change in discount! So I was surprised with a Goldman Sachs XXXX account unwillingly! Also a difficult option to decline and back to XXXX! 
Following my intuition on the unwanted CC, I returned the XXXX in the unopened box to XXXX XXXX XXXX store on XX/XX/2013, which caught the recipient sales person 's attention, " You haven't even opened the box yet ''! 

A well meditated receipt that will fade out in no time at all and a recycling fee add on for nothing to be recycled on top of all was an enough red flag already! 

My intuition had served me right! 

I received an email yesterday from Apple Card Support asking for {$42.00} initial payment of the taxes, marked passed due and subject of reporting to Credit Bureaus THREAT! As if it matters to a man of XXXX, The XXXX! Lol So I called the customer service provided number XXXX XXXX and a respondent female HUNG UP on me when I said '' That XXXX was returned ''! She had a crying baby in the background! 
Today I receive another email to view my statement of the charges! I DID NOT! 
Note : That I had asked for my Gold [ MAN ] Sachs card to be CLOSED UPON RETURNING the XXXX! 

Is this GoldMan Sachs Bank Apple Card a SCAM OPERATION, or FRAUD?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Transunion dropped my credit score XXXX points because of a hard inquiry. IT IS NO WAY THEY CAN DROP THAT MANY POINTS FOR A HARD INQUIRY!! Now I just had XXXX to come off on XX/XX/XXXX and they raised my score up XXXX points!! Transunion hurt my credit score and my ability to get credit!! I need this taken care of or Im suing!!
Product: Debt collection

Hello I'm been working with a credit repair company. XXXX saying to debt is verified. And it not. This debt is over 10 years old. I know when it happen. Portfolio recovery saying it's a new debt which it's not. How long do I have to pay for this. It's past it's time to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian and TransUnion for inaccurately reporting a fraudulent and inaccurate reporting of an unauthorized account from XXXX XXXX XXXX ( XXXX )/ Original Creditor : XXXXXXXX XXXX XXXX on my credit file. I have never opened, authorized, or had any relationship with this creditor, yet this account has been falsely attributed to me. Balance Reported : {$360.00}. Reviewing account on credit bureaus there are so many inaccurate and inconsistent reporting. Despite my efforts to dispute these errors directly with the credit bureaus, they have failed to correct or verify the inaccurate information. TransUnion reports this account as Collection, while Experian lists it as Open Account, Discrepancies in Date Opened-TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Conflicting Last Active Dates : TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Past Due Balance Discrepancy : TransUnion does not list a past due amount., Experian lists a past due balance of {$360.00}, Conflicting Payment History Reporting : TransUnion does not list any payment history codes. Experian marks the account as " CO ( Charge Off ) '' for multiple months, creating a misleading report. 
I request that the CFPB investigate Experian and TransUnion for failing to uphold their obligations under the FCRA. Additionally, I ask that the CFPB ensure these inaccuracies are corrected or removed from my credit report if the credit bureaus can not verify them. I have attached supporting documents, including copies of my credit report