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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Email : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX D.C. XXXX XXXX : Formal Complaint XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. for Breach of Agreement to Remove Late Payment from Credit Report Preparer Information : This complaint has been prepared by XXXX XXXX XXXX ( Pending, CFCM, CCCM, CPCM ) on behalf of XXXX XXXX to ensure that the matter is adequately documented and presented for CFPB review.

Complainant Information : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Government Identifiers : XXXX Complaint Summary Complaint Details Account Information : This complaint is being filed against XXXX XXXXXXXX XXXX XXXX, regarding their failure to honor an agreement to remove late payment records from my credit report. This failure has resulted in financial hardship, including potential harm to my ability to secure a mortgage for a scheduled home purchase on XX/XX/XXXX. 
Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Number ( Last Four Digits ) : XXXX Type of Account : Revolving Charge Account Credit Limit : {$10000.00} High Credit : {$8700.00} Date Opened : XX/XX/XXXX Account Status : Closed by Creditor ( XX/XX/XXXX ) Past Due Balance : {$350.00} ( Now Paid in Full ) Delinquencies Reported : 30 Days Late : XXXX times 60 Days Late : XXXX times Please see the attached with continue issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX XXXX  filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Product: Debt collection

Recently I pulled my credit report and saw this {$3600.00} debt that I do not owe. I tried to file dispute with XXXX and they need to reach out to the creditor, so I left voicemail and also mailed a letter to the creditor " Security Credit Service ''. I need Security Credit Service to show proof and provide evidence of this debt and remove this debt from my credit report. So far I have not receive any response from this creditor " Security Credit Service ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts due to identity theft and submitted my police report/supporting documents XX/XX/XXXX. Transunion successfully removed and deleted the items in question. As of today XX/XX/XXXX, those items were reinserted on my credit report. I have also submitted directly to the company in question my correspondence so I am confused how my identity was stolen to open accounts, then the accounts were deleted as a result, now reinserted on my file. 

Please remove 8 XXXX XXXX XXXX/XXXX  account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE/CLIENT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, Early Warning, XXXX and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

I originally purchased an airline ticket through Chase XXXX rewards for a flight on XX/XX/XXXX. I used XXXX points, equivalent to {$470.00}. Because of covid, the flight was cancelled and a voucher was given. This voucher was used to purchase a flight for XX/XX/XXXX. XXXX XXXX cancelled the flight day of and put us on a flight for XX/XX/XXXX which was again cancelled day of. 

I contacted Chase XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I was assured that the XXXX points would be refunded and that I needed to wait a certain amount of time, from two billing cycles to 3 days. Each time the deadline passed I would call and be assured again that the points would be refunded. It has now been over 3 months and XXXX hours on the phone with Chase and I still have not been refunded the points. Today, XX/XX/XXXX, I was told again to wait XXXX hours because their refund system was down. This is the second time I have heard this excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report. The account names and dates of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was scammed by a woman, or women ( not sure if it is more than XXXX ) who claimed to be running a pet adoption rescue organization in XX/XX/XXXXI live in XX/XX/XXXX. After a conversation via email and what I thought was due dligence and not finding anything that indicated they were lying, I agreed to send a deposit to hold XXXX puppies pending my picking them up in person. I was planning on a recent trip to XX/XX/XXXX and would pick up the puppies. I sent a deposit from my bank, Wells Fargo, to their bank, XXXX XXXX XXXX XXXX, via the Rescue organization 's ( scammer ) XXXX account. XXXX days later I found evidence they were scammers. I immediately contacted Wells Fargo and they have since sent me a letter saying that the transaction was legitmate. It was not legitmate because the scammers committed fraud and lied, decieved me, and coerced me. I demanded a refund from the scammers and they vanished after telling me they would " refund my money ''. Wells Fargo is not cooperating now. I DID file a complaint with my local law enforcement, and with the XX/XX/XXXX( I have little faith in that ). The phone number used in the scam for the XXXX payment is a XXXX phone number and registered to a woman who lives in XXXX, a village of XXXXXX/XX/XXXXI will also be filing a claim with the FBI. I want my {$650.00} back, and XXXX XXXX XXXX XXXX and Wells Fargo are NOT helping me. The name of the scamming organization is XX/XX/XXXXand they had a XX/XX/XXXX page that has now vanished, but their website is still up. I believe the address they list on the website has nothing to do with them, and that the criminals actually reside in XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Used " ZELLE '' to send payment to a service vendor. Used incorrect phone number for transaction. Did not realize error until days later. 
First payment, {$150.00} on XX/XX/scrub>XXXX 
Second payment, {$250.00} on XX/XX/scrub>XXXX 
XX/XX/year>, contacted " ZELLE '' to request investigation. 
XX/XX/year>, reply from " ZELLE '' funds can not be recovered. 
XXXX contacted XXXX XXXX to request dispute action.
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, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

Per the FCRA as a federally protected consumer. I am now opted out of any and all authorizations. I, the consumer may have given you written, un written, verbal, and non-verbal per 15 use 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently during the pandemic fell behind on my payment with XXXX XXXX in 2020 due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payments that was missed in XXXX 2020 was only due to a real natural hardship and the pandemic that took place and I beg that you forgive it being that I have good track record and promise it will not happen again. The missed payment is also affecting my ability to obtain more credit and is hurting my financial reputation
Product: Credit card or prepaid card

Scammer called from unknown number and stated that I had a {$490.00} charge on my Amazon Visa credit card. Did I make that charge in XXXX. He then wanted my card number. I did not give any info to the caller because I knew this was a fictitious call. The number called from was XXXX.
Product: Checking or savings account

Name : XXXX XXXX XXXX XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX am XXXX to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I opened this card on XX/XX/2018. Approved for {$500.00} an unsecured mastercard. I received my first bill after with no card but still made payment and advise customer service of it. I then moved and ask to send to my XXXX XXXX they said no because I never made purchase but I have always paid on time dispite not getting credit card after calling 3-4 times just to find out customer service sent me to robot. Make a long story short all fees were paid by me on time because I did not want to ruin my credit. Available now is {$500.00} with nothing owed. They refuse to update my account. I am a victim of domestic violence and had to move but besides that I check all my credit reports XXXX, XXXX, XXXX and this credit card does not appear on my credit as paying on time for 3-4 months nor does it show at all I own on my credit report and I am wondering if this company is legitame as well after taking my money and no card and no reflection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX a new account in collections was added to all three credit bureaus on my credit report. The collection agency is XXXX XXXX XXXX. The original creditor says its XXXX XXXX XXXX XXXX. 

This account was added to my credit report with NO written notification sent to my address. Please send an original contract with my signature if this account is valid.
Product: Money transfer, virtual currency, or money service

My account has been locked for years. I can't get a card when I tried to contact someone I'm being told that no one can help on top of not being able to speak with someone. My bank was tied to the account and I had to change my account number twice due to fraud
Product: Debt collection

Bullcity XX/XX/2021 {$890.00} Disputed the account and sent a police r.eport
Product: Vehicle loan or lease

I got a new XXXX and they told me I dont owe anything other than my down payment Everything else will be rolled into the monthly payments. I keep on getting bills from XXXX XXXX  and states I owe money. Now I am in collections. The XXXX dealership keeps on telling me it will be taken care of and it has not. I am going to call again tomorrow. I am getting really frustrated and dont need to go into collections I know the dealership already has been having issues with other add ons that customers dont know about or told about. It was on the news. 
XXXX XXXX dealership XXXX CT
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists accounts along with the account numbers, XXXX XXXX  opened on XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX Card account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Product: Debt collection

Loan dates from XXXX when I was living in XXXX XXXX  prior to my move to XXXX in XXXX, XXXX. Name of the original debtor is XXXX XXXX XXXX. I had unemployment insurance on my credit card account, but it was not honored. Efforts to settle were declined. The initial amount of the debt has grown as well. Shortly after arriving in XXXX I began receiving numerous very threatening phone calls ( threats of arrest and jail time, repossession of my car, accusations of living beyond my means, having money hidden somewhere ). These calls took on a very ominous tone that left me very frightened and I began to ignore them. At one point after I began receiving those threatening calls I spoke with a local free legal service here in XXXX XXXX and for quite a while the calls and notices stopped. 

However, since then the debt appears to have been sold to various collection agencies. The current one being Portfolio Recovery Associates, Inc. In addition to mailed notices I receive numerous phone calls at all hours of week days and week ends sometimes as early as XXXX or after XXXX in the evening. The caller ID does not register the caller, but they come from all areas of the United States and lately from my own area code. I have an app to follow these calls and block them, but it does not stop the calls. I contacted XXXX XXXX, but they did nothing, claiming it is after all a legitimate debt. However, it is over 14 years old. 
I want to put a stop to this.
Product: Debt collection

Linebarger Gogggan Blair & Sampson LLP Depth collection claim that I owe XXXX XXXX {$220.00} which already been pain in full to sunpass from my debit card and I told them that already been paid they still want me to pay them regardless
Product: Credit reporting or other personal consumer reports

I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXX and company credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX it was reported to the credit bureaus that I had a balance of $ XXXXThey never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T
Product: Debt collection

I called to get more info about it. They left me on line waiting for XXXX min, they couldnt provide me with info and they hung up the line on me