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

I AM A RECOVERING VICTIM OF IDENTITY THEFT, MY IDENTITY WAS USED TO OPEN MULTIPLE FRAUDULENT ACCOUNTS, AND A BANKRUPTCY. I HAVE FILED A FEDERAL IDENTITY THEFT REPORT FOR FRAUDULENT BANKRUPTCY REPORTING ON MY CREDIT PROFILE, I HAVE TRIED MULTPLE TIMES TO RESOLVE THIS PROBLEM WITH TRANSUNION, AN INFORMING THEM THAT THIS MAY BE A MIX UP OF INFORMATION, ASKIN THEM TO POINT ME IN THE DIRECTION OF THE THIRD PARTY VENDOR, THEY HAVE NOT SUPPLIED ME WITH ANY INFORMATION, DENYING MY REQUEST, I HAVE ALSO SUPPLIED THE XXXX XXXX XXXX XXXX WITH THIS INFORMATION AND A COPY OF MY FEDERAL IDENTITY THEFT REPORT, AND THEY HAVE ASSURED ME IN WRITING THAT THEY HAVE RECEIVED MY DOCUMENTS AND HAVE ARE NOT REPORTING THIS FRAUDULENT INFORMATION TO TRANSUNION OR ANY OTHER THIRD PARTY VENDORS, OR CREDIT REPORTING AGENCIES. TRANSUNION HAS REFUSED TO REMOVE THIS FRAUDULENT INFORMATION FROM MY PROFILE AND HAVE REFUSED TO SUPPLY ANY SUPPORT OF THERE CLAIMS THAT THIS ITEM IS INDEED ACCURATE. I HAVE ATTACHED A PHOTO COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY TO VALIDATE MY IDENTITY, I ALSO HAVE INCLUDED MY FEDERAL IDENTITY THEFT AFFIDAVID TO SUPPORT MY CLAIMS OF THE FRAUD, AND THE FRAUDULENT BANKRUPTCY
Product: Debt collection

On Friday XX/XX/2021 I contacted Medical Business Bureau. The reason I called them is not because they ever contacted me, but because they reported me to the credit bureaus. MBB NEVER EVER contacted me. I had no idea this debt was due. They claimed to have tried to call me. To be crystal clear, I answer my phone as it is my work phone, they never contacted me. Not only did they never call me, they never sent a letter. There was literally NO communication with me. The woman I spoke to, told me she could not email me a receipt, that she could only text it. I was NOT text a receipt. I have no receipt. The bill was for slightly over {$150.00}. I have no receipt, therefore no proof of payment so I suspect this is not going to go away. When I called I was told I was being recorded, I asked to not be recorded when I gave my credit card number. I do NOT trust that I was not recorded. Just like the receipt I have not received. I read their reviews on XXXX and I see this is their business practice. This company can not continue ruining peoples credit without doing the work of collecting the debt. This is absolutely insane.
Product: Money transfer, virtual currency, or money service

{$3500.00} XXXX fraud Called from BofA number Sent texts ( exactly like BofA ) Called bank immediately They saw it was sent to XXXX XXXX A {$500.00} XXXX dollar institution cant go after {$3500.00} and credit me the $ after being a customer since 1988! 

I couldnt pay my mortgage that month and had to borrow money from my parents as a XXXX XXXX XXXX married woman!!! 

Its insane that BofA wont help as the scammers were using their information and must have previously worked for a bank Something has to be done to be able to recoop this money. I worked all summer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) to earn this {$3500.00}. To poof. Gone
Product: Money transfer, virtual currency, or money service

XXXX USD sent through Wise app money transfer on XX/XX/XXXX, they said the transfer was completed next day ( XX/XX/XXXX ), but the recipient company in XXXX never received any money. I exchanged several emails and online chats with Wise, they even asked a full bank statement disclosure from the recipient company as proof, which was provided, and still they refuse until this moment to inform where the money is and to acknowledge what happened.
Product: Money transfer, virtual currency, or money service

I opened a zelle account with my phone number several years ago and used it for a while with no problem. Then my co worker sent me {$150.00} for a part we split the cost of. I went to log in and was told my account was blocked due to suspicious activity. I called zelle and sat on hold for several hours. I finally spoke to someone who acted like this happens all the time. I answered all the questions and my account was supposedly ready to use. I checked and no same thing. I've tried with them 2 more times and no avail. So i decided to not use them and count the {$150.00} as a loss. Now several years later I still have the same phone number and email and my account is still blocked. I need it to get paid through work. I am very nervous though that zelle is going to steal more money from me than they already have.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. On XX/XX/2021, I obtained a copy of my credit report. I discovered inaccurate information. I tried to reach out to XXXX XXXX which has an account with Portfolio Recovery. I was unable to attain any information regarding this account. I did not sign or authorize any documentation with Portfolio Recovery. I have no debt with this company. I am demanding and requesting documentation and proof of all contracts signed, as well as statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report in XXXX XXXX I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

I contacted XXXX ( XXXX XXXX and XXXX ) due to a report on my incorrect information on my credit report. XXXX confirmed the information was fixed and I was told a letter of deletion would be sent to the credit bureaus and the information would be corrected within 45 days. After 45 days, the information was still on my report. I disputed it, and it came back as identified as correct.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My annual fee of {$59.00} posted on my XXXX XXXX Banco Popular Visa on XX/XX/XXXX. I went to close the card on XX/XX/XXXX and was told that the annual fee can not be reversed and this was a policy change. I do not think this is fair considering I am still within a 30 day window and especially during this time of covid.
Product: Debt collection

I hope this letter finds you well. I am writing to request the removal of inaccurate information from my credit report as allowed under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ).

Upon reviewing my recent credit report, I have discovered several inaccuracies that are affecting my creditworthiness and financial standing. The FCRA mandates that consumer reporting agencies provide accurate and up-to-date information, and my credit report must reflect this requirement.

Under 15 US Code 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my credit report violate this provision, and I am requesting immediate correction.

15 US Code 1681e ( b ) Accuracy of report 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.

Furthermore, under 15 US Code 1681i ( 5 ), I can dispute inaccurate information directly with the consumer reporting agency.

( 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 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.

I am formally disputing the following inaccuracies in my credit report : 1. Please Remove the following inaccurate accounts : Radius Global Solution XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) must be removed I didn't authorize a reporting of this personal info! 


Please investigate these discrepancies promptly and remove any inaccurate information from my credit report in accordance with the law. I also request that you provide me with a written confirmation once the corrections have been made. 


Please send me a copy of the updated credit report reflecting the changes made. I appreciate your prompt attention to this matter in compliance with the FCRA. 
Thank you for your cooperation in resolving this issue. If you require any further information from me, please do not hesitate to contact me through mail. 


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

I request that you promptly initiate a comprehensive investigation into the unauthorized inquiries on my credit report. Please provide me with a detailed report of the findings and the steps taken to rectify this situation. 

Remove unauthorized inquiries : As per my rights under the FCRA, I request the immediate removal of all unauthorized inquiries from my credit report. This should be done within the stipulated time frame of 30 days, as mandated by federal 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
Product: Debt collection

I am writing about a {$50.00} debt that originated from XXXX. 

I paid Sequium Asset Solutions on XX/XX/2021, and the payment was posted on XX/XX/2021. Unfortunately, Sequium Asset Solutions claims that I did not pay the {$50.00} and turned the account back over to XXXX. I even tried giving Sequium the confirmation number and the agent claimed that I had to contact XXXX. XXXX keeps referring me back to the collection agencies. 

XXXX turned the account over to XXXX XXXX XXXX XXXX and XXXX placed a delinquent mark on my credit score, which severely dropped. I tried reaching out to XXXX XXXX to inform them that I paid the {$50.00} but nothing occurred and the mark is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be 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 Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Checking or savings account

PenFed in its response to my complaint ( the text of which is attached ) provided me with incorrect and misleading information. 

XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union among other things had stated the following : Members can use a teletypewriter ( TTY ) based telecommunications relay service to call us if they are unable to communicate directly by phone. 

On PenFeds website https : //home.penfed.org/help/s/article/How-to-Contact-PenFed? language=en_US a printout of which is attached there are two TTY numbers listed : TTY ( for the hearing impaired ) : XXXX or XXXX While the numbers are annotated as for the hearing impaired and does not list any other XXXX, I attempted to call both of the number using a TTY enabled device on XX/XX/2023 at the following times : three times to XXXX around XXXX XXXX  Eastern time, then one time to XXXX around XXXX XXXX, and then again three times to XXXX around XXXX XXXX. Out of my 7 attempts I never received a TTY response. 

XXXX XXXX in their attached response also states : Please call us at XXXX XXXX XXXX if you would like to delete your external account. 

On XX/XX/2023 at XXXX XXXX Eastern Time I made my best effort attempt to place a voice call to XXXX XXXX XXXX. The person who answered the calls disconnected the call after XXXX min and XXXX seconds. 

I made a second attempt to place a call at XXXX XXXX Eastern time and the person who answered the call at that time disconnected the call after XXXX min and XXXX seconds. 

Based on my experience described above, I claim that XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union made misleading statements in their response to CFPB. I also claim that PenFed does not provide the same level of service to consumers who prefer not to communicate via telephone as it does to the rest of the consumers.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has a bankruptcy on my credit never file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, XXXX, and Experian. Also, Experian is taking a long time on their Data Hacking Settlement.
Product: Checking or savings account

My name is XXXX XXXX I need my claim references # XXXX and # XXXX to be reopened I disagree with y'all decision it is fraudulent I never sent them payment or made the payment and I have contacted cash app support but they don't want them to resolve it for me I want y'all to reopen the two claims or make a new dispute for both claims numbers or reinvestigate or investigation it again or give me a one-time credit for both claims numbers for the full amounts for both claims numbers or send my issue to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A, States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I purchased an item from XXXX for {$380.00} and it wasnt received. I reported it as not received and XXXX is insisting that it was delivered. It was supposed to be a white couch, now Ive paid twice for two couches and only have one
Product: Credit card or prepaid card

XX/XX/XXXX I was sent a letter stating my account was being reviewed and closed without any explanation.
Product: Credit reporting or other personal consumer reports

While my credit score was still XXXX I decided to go and get the cheapest truck in America the XXXX XXXX. I went to XXXX XXXX in XXXX XXXX, CA. They pulled my credit 6 six in one day. Then they personally financed me through XXXX XXXX XXXX at a higher cost of the vehicle I wanted I even gave a {$2000.00} down payment. I found out about the 6 hard hits when the denials came in the US MAIL. I then wrote to ALL of the creditors asking for the removal of the hard hits. As they were ALL done on the same day. The creditors that responded to me requested a letter from XXXX XXXX explaining their actions. I went to the dealership to get some sort of letter to send to these creditors. I just got a run around. And their Corporate Office sent me a 7 page letter showing that I signed. Well my credit was hit before I signed any purchase contract. By then the damage was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$1000.00} 2 )  XXXX XXXX -opened XX/XX/XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX   opened XX/XX/XXXX amount {$210.00}
Product: Bank account or service

I signed up for a Citibank " Citigold '' account which offered a sign up bonus if I completed certain transactions. I did that, and they sent me a message ( attached ) saying " Upon reviewing your account, I am happy to confirm that as of XXXX/XXXX/16 you have completed all requirements for this promotion. You can expect your XXXX miles XX/XX/2016-statement cycle. '' Despite this, they now claim that I 'm not eligible. Clearly they stated that I was able to receive the bonus. It is totally unacceptable to now change this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies XXXX, Equifax and XXXX. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$4500.00} ; 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 Balance : {$610.00} XXXX XXXX  XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX