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

Dear credit reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from XXXXXXXX XXXX XXXX 
{$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of 12 18 2024 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report. 
Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car Loan with in XXXX 20 years ago I paid on the note for years never late ever then I Lost my homes and everything I owned. I went to the credit union and told them I was in Trouble Financially and was losing everything they didn't care .I became homeless living in my motorhome for years. 

On this XX/XX/XXXX XXXX Ran A Hard Inquiry on my Credit with out my permission and my Credit Dropped over 40 Points I called Trans Union and they told me what happened and to call the Credit Union and ask them why? 

I told them never to run my Credit ever again or im going to take Legal Action!! 
XXXX  Didn't Know what to say. 

I called the credit union and said that they had no right to do a hard inquiry on my credit and i was very upset the woman was very rued and said they had the right with out my permission .the note is over 15 years old it was a charge off. 

Trans Union even said this was wrong to run my credit with out my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX
Product: Debt collection

IQ DATA INTERNATIONAL INC is trying to collect for the amount of {$1700.00} which I am NOT liable for. I do NOT have any contract with IQ DATA INTERNATIONAL INC XXXX XXXX XXXX XXXX, WA XXXX, Ive never conducted any business or ever been associated with them and they inaccurately reported this to my credit. They have NOT sent any proof that this account belongs to me or that it has my actual signature on any sort of contract. When contacted over the phone they informed that this debt belong to ALSO 2 other people and that my signature was a ONLINE signature and that they cant verify if its truly mine!. Meaning anyone could have used my identity and sign my name fraudulently online. I request that this be removed from all 3 of the credit bureaus IMMEDIATELY as this is an inaccurate and false report and its violating federal law.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am a victim of identity theft. Someone stole my personal information and requested a new debit card from Chase Bank, identical to my original one. They then attempted to withdraw money multiple times on XX/XX/XXXX, as outlined below : * XXXX XXXX  : {$200.00} was successfully withdrawn from an ATM at the Chase branch located at XXXX XXXX XXXX, XXXX, NY. 
* XXXX XXXX  : An attempt to withdraw {$800.00} from the ATM at the Chase branch at XXXX XXXX XXXX, XXXX, NY, was canceled. 
* XXXX XXXX  : Attempts to withdraw {$800.00} and {$200.00} from the ATM at the Chase branch at XXXX XXXX XXXX, XXXX, NY, were both canceled. 
* XXXX XXXX  : {$3000.00} was successfully withdrawn from an check at the Chase branch at XXXX XXXX XXXX, XXXX, NY the check was not my handwriting signatures. 
* XXXX XXXX  : Attempts to withdraw {$800.00} from the ATM at the Chase branch at XXXX XXXX XXXX, XXXX, NY, were canceled. 

I discovered these unauthorized transactions on XX/XX/XXXX and immediately filed a claim with Chase Bank for the {$200.00} withdrawal at XXXX XXXX  and the {$3000.00} withdrawal at XXXX XXXX. 

On XX/XX/XXXX, I initially received the reversal for my {$200.00}. However, Chase Bank later reversed this transaction again, taking the {$200.00} back out of my debit account. Then I have to go to the police office to get the other police report identity theft for other {$200.00}. 

Since XX/XX/XXXX, an identity thief has repeatedly attempted to change my app password and username. I have had to visit Chase Bank multiple timesfive days a weekto resolve these issues. I visited the Chase bank consistently for five consecutive weeks.The bankers at the XXXX branch seem frustrated, so I had to go to the XXXX branch to find someone willing to assist me. 

Unfortunately, Chase Bank rejected my claim, stating that the transactions were authorized by me. 
I want to stress that I have never used my debit card at ATMs or Chase branches in XXXX. Furthermore, I also proved the letter from who can prove that I was not in XXXX on XX/XX/XXXX. The suspicious activity on my account clearly indicates that these transactions were conducted by someone else. 

I kindly request Chase Bank to reconsider my claim and refund the {$200.00} and {$3000.00} that were fraudulently withdrawn from my account. 
Thank you for your attention to this matter.
Product: Debt collection

On XX/XX/XXXX I was sued by XXXX XXXXXXXX XXXX XXXX on behalf of Citibank for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from XXXX proving that they obtained the debt from Citibank. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.
Product: Credit card or prepaid card

Card worked great until Wednesday night at XXXX trying to make a XXXX. XXXX order and card was declined with enough funds to cover purchase. Went to XXXX XXXX gas station to buy a XXXX card was declined again. Called card company waited on hold for three hours to be told card has to be whitelisted and should work in 24 hours. Not only did they cost me black Friday deal for XXXX for my family but also made me embarrassed when I couldn't even purchase a XXXX and their customer service is a joke as well. Way2go Is a horrible company and not customer first
Product: Credit reporting, credit repair services, 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 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 XXXX 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent letters to XXXX, XXXX and transunion about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, XXXX and transunion on XXXX because they didn't remove XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete
Product: Consumer Loan

I called 5th 3rd bank to see if I was included in the Auto Lending Enforcement. I was told that this is only for the state of Ohio and I was n't included in the suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, Experian, XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX in XXXX and obtained a loan with Wells Fargo that required me to make monthly payments of {$700.00} beginning in XXXX of XXXX and such payments were made from that date thru XXXX of XXXX at which time due to Covid I experienced money issues. I explained that situation to Wells Fargo and they offered to grant me a deferment for XXXX months and sent a letter to that effect which stated that my next payment would not be due until XXXX of XXXX and I then made my monthly payments as of XXXX of XXXX up to the present time. I then attempted to refinance my home but was denied by the lenders who told me my credit reports showed me missing the payments to Wells Fargo in XXXX of XXXX and XXXX of XXXX, the XXXX months for which I received deferments. I have contacted Wells Fargo asking them to correct the situation but they have refused stating that their records show me missing the XXXX months of payment while also acknowledging the deferment. And because of that lending companies are refusing to engage in any refinancing of my mortgage. This is absurd. How can they say I missed payments when they granted me deferments for the same XXXX months?
Product: Debt collection

A company by the name of Fair Collections XXXX XXXX called and wanted to speak with my husband. I told them that he was deceased. Then they wanted my personal information and I refused to give them any. 
I ask for name of company that they were trying to collect for, I ask for amount owed, I ask for their address, I ask for address of the company pursuing on the collection of any debt and they refused to give any info on anything. 
I also told them not to call again. 
I live in the state of Arkansas and paid off my husband 's debts til after he passed away. I now have found out that I no longer pay any remaining debts. But I have not received any notice from any collector for debts remaining.
Product: Checking or savings account

I opened a XXXX account XXXX weeks ago. I successfully transferred {$400.00} into the account via their application. The next day I attempted to do the same thing for {$550.00} from my U.S. Bank account via their chime app, but I did not know that U.S. Bank had put a hold on my U.S. Bank account due to fraudulent activity via XXXX. US Bank had subsequently closed my U.S. Bank account so the transfer could not happen, U.S. Bank account had been closed. The XXXX transfer never happened. There was no record of the XXXX transfer ever happened. I have provided documentation that the bank account was closed and that the transfer couldve never happened because the account was closed. I was unaware that the account was on hold when I placed That transfer. Chime is refusing to accept my documentation and release my money or close my account at my request
Product: Credit card or prepaid card

I received a letter from COMENITY CAPITAL BANK ( PO Box XXXX, XXXX, OH XXXX ) on XX/XX/XXXX. The letter stated that COMENITY was unable to approve my application for a XXXX XXXX credit card ( from XX/XX/XXXX ). However, I NEVER applied for a credit card or anything of the sort. I contacted COMENITY to report the application as fraudulent and to request that they notify XXXX to remove the hard inquiry from my credit report since it was fraudulent. I have spoken with COMENITY several times, most recently on XX/XX/XXXX. XXXX ( the COMENITY rep with whom I spoke on XX/XX/XXXX ), told me that she sent a notice again to XXXXx to have the inquiry removed. I have checked my most recent report and the inquiry is still there. I can not be paying for COMENITY 's  slackness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. XXXX, Experian, XXXX and their non affiliated XXXX parties are violating the Fair Credit Reporting Act and the XXXX XXXX XXXX XXXX. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Accounts : [ XXXX XXXX - XXXX XXXX OPENED XX/XX/XXXX } [ XXXX XXXX  OPENED XX/XX/XXXX ] [ XXXX XXXX  OPENED XX/XX/XXXX ] [ XXXX XXXX XXXX  OPENED XX/XX/XXXX ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax would not allow me access my free annual credit report and I was not given a reason. Equifax requested that I send them copies of sensitive documents like pay stubs, social security numbers, etc. Given Equifax 's history with not keeping information secure I have problems sharing any information with Equifax thru US Mail. 

I had no issues with XXXX XXXX or XXXX in getting the same information from the XXXX  site..
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is a credit inquiry on my reports that I did not authorize. Evidently my credit was checked by Sterling without my consent or knowledge. I have an extended fraud alert on all three of my credit reports which specifically state that any company trying to check my credit must contact me first to verify that it is, in fact me, due to an identity theft. The inquiry was placed on my reports on XX/XX/XXXX. I wrote Sterling on XX/XX/XXXX and notified them that this inquiry was unauthorized, however, they have failed to remove this inquiry.
Product: Money transfer, virtual currency, or money service

I received a text message from XXXX on XX/XX/2021. It said it was from Bank of America, and they detected fraud on my account. The text asked me to type YES if it was authorized, and NO if it was not. I typed NO, and the person called me. Then, I received a text that said press 1 to receive a phone call from a fraud representative. 

The person called me and said he was from Bank of America. He said they detected fraud on my account, and that someone was attempting to request {$3500.00} from me through XXXX. I logged into my Bank of America online account, and I told him that I didn't see anything on there. He said, " Yes, we can see it in our system, even though it hasn't appeared on your account yet. '' He directed me to use my mobile banking app and click on XXXX. He told me that I needed to send {$3500.00} to myself to cancel out the attempt. He directed me to use my own email address ( XXXX XXXX XXXX ), and add myself as a payer for XXXX to refund the fraudulent attempt. So, I added myself. I assumed it was ok, since I was using my own email address. He told me to send myself {$1000.00}, then {$2500.00} to myself. I noticed that the name on the XXXX said " XXXX '', and he said that was the name of the XXXX fraud representative that would be working on my case. The funds were deducted, and I didn't not receive them back. I received emails about it, which were also spam. 

I feel embarrassed, stupid, angry ... .. I'm an educated person, and I felt in my gut like something was not right. I should have listened to that feeling. But, this guy was good. He said all the right things, so I thought it was ok. 

I called Bank of America today XX/XX/2021, and they said that it was a scam, and that they are seeing spoof phone numbers and scammers using XXXX all the time. They recorded my case, but said it was unlikely that they would recover the funds because they do not know who the recipient was.
Product: Prepaid card

I purchased a PayPal card and put {$80.00} on it and went to activate it and I was prompt to call the number on the card whenever the company opened up at XXXX XXXX in the morning. So I did and they said there was an issue with my card that it was blocked. I was given the run run around and denied to be transfered to supervisor ; I waiting 20 minutes only to be disconnected from the first phone call ; then an hour the second one; finally I had a representative get on from the fraud department and she was extremely rude. Would not explain anything in detail and would not even listening to anything that I had to say. She just told me that although I had bought a PayPal card, It was XXXX XXXX  that I was transferred to and I had an account from the past and so therefore, for some reason unknown, she wouldn't tell me, I was being blocked altogether from my card that I just purchased. There was no way that they could refund me money right then and there. I explained to her. I was in the ice storm and on the side of the road until I got gas. And she didn't care. She was just extremely rude and said that I was no longer ever allowed to have a XXXX  account again. And then she just hung up on me. And so I called back again for the third time and finally talk to the PayPal people, and they couldn't figure anything out. They put me on hold and nobody ever got back on the phone again. I'm trying to get this resolved they're refusing to give me any information that is attached to this, any documented entries on the account. Everybody 's been very rude and very wishy-washy and saying one thing, and then just leaving me on hold forever. I really need my {$80.00} back from the PayPal card. Also, although the lady couldn't stress enough that I was no longer ever allowed to have a XXXX XXXX account, they still decided to use my information and go ahead and send me emails stating that I qualify for a XXXX  account. So now I'm just having junk email come in that I can benefit from.
Product: Checking or savings account

A man from Bank of America called me reporting fraud on my savings account. He pulled up all my info and told me I need to transfer my money through XXXX to take it all out so he can close my account. He knew my account information and everything and told me hed call me back with a new account after he claimed to have froze the money. I called my bank and they said it was a scam and told me they might be able to get it back after 10-45 days.
Product: Debt collection

Its was closed off of my credit report and I upload a picture of it another one that say open from the same credit bureau XXXX