23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

B of a unemployment issued card Roughly around XXXX XXXX that particular event where am I and my children were left in the cold cold rain no food no bed no shower I happen to be an substantial amount of time away from home on a family trip I couldn't even get gas to go home if I wanted. Their excuse was there were no night people to handle my card when I went to the automated and when I did get someone they weren't any help anyway that costed cancellation fee and everything not including that little double dip is probably around XXXX and then another time around XXXX I had to sleep in the car because I could not get gas because they froze my car because they overdrawn for double dipping from the list to say I had to cut the family time short. that I can not put a price on it. I'd say that trip was a good {$410.00} also similar complaint about XXXX XXXX where sometime during XXXX 2022 I was once again Frozen and they have no night bankers who can do anything I don't know why they have people who answered if they can't do anything to unlock or fix issues throughout the night especially for people who are traveling it was needless to say the most disappointed I've been in tricounty
Product: Credit reporting or other personal consumer reports

I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. Experian, XXXX and XXXX are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report experian closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or XXXX  XXXX XXXX XXXX from my report. XXXX and XXXX have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX XXXX was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX and XXXX XXXX  to prevent this from happening. I would like all of this resolved so I can move on with my life.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a complaint against Experian, XXXX, XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XX/XX/year>, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX ( attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Experian, XXXX, XXXX continue XXXX furnish information related to my account with XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Experian, XXXX, XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Experian, XXXX, XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Experian, XXXX, XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

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

After multiple attempts TransUnion has failed to remove an inaccurate XXXX XXXX account from my credit file. I have sent all pertinent documentation to TransUnion  on several occasions and they have failed to properly investigate and remove the inaccurate account from my credit file. Both XXXX  and XXXX have already removed the account from my credit file. XXXX XXXX has never been able to verify the validity of the account and TransUnion has not been able to provide me with any documentation proving the account belongs to me.
Product: Debt collection

Hello, Please see below message that I sent to CAPIO PARTNERS LLC. 



CAPIO PARTNERS LLC Attn : XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$930.00} Dear CAPIO PARTNERS LLC I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 




cc : CFPB, XXXX XXXX XXXX, Washington, DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX XXXX : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXXXXXX XXXX Balance {$1400.00} XXXX XXXX, IN XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$120.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX  Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX  XXXX Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : remove these inquiries I did not authorize these inquires
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am NOT a 3rd party. I am submitting this complaint on my own behalf.I am writing to formally dispute several inaccurate, unverified, fraudulent accounts listed on my credit report due to identity theft. I have thoroughly reviewed my credit report and identified multiple accounts that were fraudulently opened in my name without my knowledge or consent.

I have attached an FTC Identity Theft report to substantiate my claim.Additionally, I want to bring to your attention that I have never provided written consent for these accounts to be reported on my credit file, pursuant to 15 U.S.C. 1681b, which requires such consent for the procurement and use of consumer reports. I was never given the option to opt- out for reporting either.

Furthermore, the fraudulent activities related to these accounts may also constitute violations under 18 U.S. Code 1028A, as my information is being passed without lawful authority which is aggravated identity theft. These transactions/accounts are not relating to any transactions that I the consumer have made.

Pursuant to 15 U.S.C, 1681c-2-Block of information resulting from identity theft ( A ) Block-Except otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft, not late than 4 business days after the date of receipt by such agency of- XXXX. Appropriate proof of the identity of the consumer ; 2. A copy of an FTC identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer As these accounts were opened and reported without my authorization, I am demanding that they be removed from my credit report immediately. Please consider this letter as my formal request to remove these fraudulent items within four ( 4 ) days, in compliance with federal law.

PLEASE NOT THAT I HAVE OPTED OUT IN WRITING TO YOUR FORCED ARBITRATION TERMS AND AM WILLING TO SEEK LEGAL RELIEF. 

DELETE/BLOCK the following accounts : XXXXXXXX XXXX  # XXXX {$28000.00XXXX XXXX XXXX XXXX-Acct # XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} If these merchants claim these accounts are valid, Please provide verifiable proof and any proof of contract and any documents bearing my original signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Ive called ( experien ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( XXXX  ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( Experian ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a XXXX XXXX XXXX in my credit report for the last XXXX yrs. and has been showing as an unpaid debt. The XXXX submitted a XXXX XXXX XXXX claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, XXXX to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me XXXX yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to the collection agency- Overton and Russell - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my XXXX ( XXXX ) credit bureaus as " old unpaid medical debt ''
Product: Debt collection

An employee named " XXXX '' began contacting me while I was at work. I asked him many times to not contact me there because I could lose my job, due to the thirty calls he had made the previous day to my employer. He advised me that my work was a XXXX number and he has the right to continue to call over and over and over until he gets payment. This has carried on over the past three weeks and it has went way past them trying to collect a debt. XXXX calls and trys to trick other employees, acting as if he is a customer trying to place a take-out order, and requests that I, XXXX XXXX help him. As soon as I get on the phone, XXXX begins his harassing tone. I have advised him that he can call my personal cell in order to discuss the account NOT my place of employment. He is calling other workers and lying to them, saying that he just spoke to me etc. which in fact, he had not. He tells everyone whom answers the phone that they are liars when they inform him that I am not there. They hang up and he just calls right back over and over. He has been informed many times that this was a work number and I might lose my job. I also sent them a Cease all communications form ( I am working with a debt consolidator called XXXX ). The emailed response that I received stated because XXXX works for " XXXX '' and he is not an outside party, he can call me anywhere at anytime to collect this debt. I have lost my job due to " excessive personal phone calls ''.
Product: Payday loan, title loan, or personal loan

Lending tree sent me an email after having pulled a hard check on my credit, without my permission, to offer a personal loan. Following the rabbit hole because I did need a loan, I was declined for a lack of revolving credit and a dismissed bankruptcy for 6 years ago, meaning I have never been bankrupt. They should never have made a hard pull on my credit without my permission, they should have never offered a loan based off my credit score that they never intended to follow through with. Their email bombardment offering me loans after I was declined is a slap in the face. They sent me a disclosure after pulling my credit report the first time without permission which I have a copy of and was sent days before I applied.
Product: Checking or savings account

XXXX Wells Fargo bank XXXX XXXX Florida and all branches* said I went to the teller window and withdrew funds and wrote checks, I was in a facility through the entire time and before a XXXX Circuit Court Judicial Judge XXXX XXXX , the amount lost or stolen was greater than {$2000.00}. I was told the claim was denied, that the signatures matched. I was given copies of the withdrawal slips, I did make withdrawals at the teller window after XX/XX/, and the slips had my signature, there were alterations on the bank slips. The checks I was said to have written are said to be lost or stolen, they were never recovered, the funds were never returned to me.
Product: Credit card

On XXXX XXXX XXXX Charges were made to my American Express account as a result of a scam. I was being coerced to purchase XXXX XXXX XXXX using my Amex credit card. In addition, Amex XXXX cards were purchased online that I did not authorize. The total purchases that I am being held accountable for is {$6500.00}. No services or funds were received. 
On XX/XX/2024 a deposition was filed with XXXX XXXX XXXX Police XXXXXXXX XXXX and a formal complaint was filed with the Federal trade Commission. The American Express card was cancelled and a certified letter was sent to American Express outlining the the formal complaints that were initiated. 
I contacted the American Express fraud department and was told that i would not be responsible for the charges until further investigation. On XX/XX/2024 Amex sent an email stating that the total charge of {$6500.00} would go back on my account. I contacted the fraud department again. No reference or acknowledgement was made by the Amex fraud department to insure that the steps that I took to report fraudulent activity would be of any consequence. 
XXXX  XXXX XXXX kept me informed of the status of my account, that had a similar situation, by mail and email. AlXXXX XXXX XXXX XXXXXXXX XXXX charges were resolved and there was no impact on my account.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This inquiry is not mine, and I have no connection to the listed creditor. I urgently request its removal from my credit report. 
XXXX XX/XX/year>
Product: Mortgage

On XX/XX/XXXX I received an annual escrow statement dated XX/XX/XXXX and noticed the homestead exemption I was granted was not included on the statement. ( new statement reflects a monthly payment increase of almost {$400.00} d/t county tax. I called mortgage company and they asked for me to send " granted '' document to research dept and provided me with fax number. On XX/XX/XXXX I called to follow up on fax and was told to give it 'a couple of days '' On XX/XX/XXXX I called the mortgage company ( Amerihome ) and was informed that the fax was wrong & the document should have been sent to the Tax Dept and was provided a new fax number and faxed the form on XX/XX/XXXX. I called on XX/XX/XXXX and was informed that " a letter has been mailed to you and you should receive within a week '' The employee said she could not see what the letter was about. I logged into my online account to check messages and nothing was sent. On XX/XX/XXXX I called back and was informed there was no record of any fax to research or tax department. On XX/XX/XXXX I emailed the mortgage company " XXXX '' and sent both fax confirmations and granted homestead exemption along with my account information. On XX/XX/XXXX I emailed them again requesting for someone to help/ contact me. When I called on XX/XX/XXXX I was informed that " the research department has until XX/XX/XXXX to research and make decisions '' In the meantime my payment is due XXXX and I have until the XXXX until it is considered " late '' I called the Attorney General who left me a voicemail to contact CFPB. Today I phoned the mortgage company and informed them that I called the Attorney General. They have located my document and now say it will be another 10 days to review. I have been in continuous contact with this mortgage company since XX/XX/XXXX requesting for the granted homestead exemption to be applied. I can not help but reach out since I believe they are doing this intentionally. I don't want a " late payment '' while rectifying the issue, however the mortgage company personal on the phone today confirmed that if I pay the new amount that I am " accepting '' the new monthly amount and will be up for a homestead exemption for XXXX. This is unacceptable. I closed on my house XXXX of XXXX and filed for the exemption in XX/XX/XXXX for XXXX, that was within the deadline and accepted by the county tax department.
Product: Credit reporting or other personal consumer reports

This serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : - XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX ) - XXXX XXXX ( account number XXXX ) I have filed complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( Report Number : XXXX ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ). 

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution. 

The continued reporting of this inaccurate information directly violates my rights under FCRA. Specifically, FCRA 611 ( a ) grants me the right to have inaccurate information removed from my credit report. FCRA 604 ( a ) ( 2 ) outlines the credit bureau 's obligation to conduct a reasonable investigation upon receiving notice of disputed information. FCRA 1681i ( 5 ) ( A ) mandates the prompt deletion of inaccurate or unverifiable information after reinvestigation. FCRA 1681s-2 prohibits the furnishing of information that the furnisher knows or has reasonable cause to believe is inaccurate. FCRA 605B ( 15 U.S.C. 1681c-2 ) provides specific protections for victims of identity theft, requiring credit bureaus to block information resulting from identity theft upon proper documentation.
Product: Debt collection

I have received an SMS from a peculiar number - XXXX ( XXXX ) XXXX asking about debt that I somehow have, the messenger is going under " National Recovery Agency '' asking me to repay debt of {$1300.00}. Original creditor - " Pennsylvania XXXX XXXX, XXXX '' Reference number : XXXX. XXXX XXXX listed : XXXX XXXX XXXX, XXXX. Date notice : XX/XX/XXXX - Dispute Deadline : XX/XX/XXXX - Debt Originated : XX/XX/XXXX I have went through XXXX for a credit report and it lists {$0.00} in total debt up to this current date, as well as XXXX  XXXX, none of my balances change listed as me being in debt, as well as official statements and bank reports listed under my XXXX  XXXX account. Other " National Recovery Agency '' information listed is stated as : National Recovery Agency XXXX XXXX XXXX XXXX, PA, XXXX Email : XXXX Phone : XXXX p.s. To my knowledge is further understanding as the falsely information listed, The email and phone number does not match the actual credited information of the confirmed email and phone number of the legitimate National Recovery Agency. The actual phone number listed for the esteemed debt collecting agency is under XXXX as well as ( XXXX ) XXXX