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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered a collection account listed as XXXX XXXX in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to receive a copy of my credit report via online and by phone. The security questions will never identify me because the questions are not relevant to me or my credit history. I requested a report in XX/XX/2019 by phone and Equifax sent me a copy of my son 's credit report. I've also submitted a complaint via the annual credit report website about the security questions. I did not receive a response. However, I did receive an email from Equifax regarding credit monitoring. I received the email after filing an identity theft report in XX/XX/2019. I am convinced that Equifax is purposely denying my access to the credit report because of the data breach.
Product: Credit card

XX/XX/year> spoke to fraud specialist to review acct. I attest all transactions are valid. Please allow me to make a purchase with my card ending XXXX.
Product: Debt collection

They call, leave no message at odd hours especially on Sunday at almost XXXX XXXX. I have sent cease communication notice through my debt management program and they harass me and my elderly parents. They know this is being handled by debt management program and I am sick of them calling me. It is " Portfolio Recovery Services. '' Total scam, even tried getting my mom 's bank information and I live XXXX miles away from my parents and have n't lived with them in over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. I sent a dispute to Equifax, XXXX and XXXX  Disputing 2 bankruptcies on my credit reports. The information is inaccurate, so I requested that the items be removed from my credit report. The bureaus stated the information was verified as accurate by the Bankruptcy Court in XXXX XXXX, Louisiana and refuse to remove from my credit report. I contacted the US Bankruptcy Court located in XXXX XXXX, Louisiana and I was advised that they didnt report such information to Equifax, XXXX or XXXX. I have been disputing this for 9 months and the bureaus Equifax, XXXX and XXXX  are not legally reporting the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to Experian, XXXX, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Debt collection

I am not sure on the date. They continue to keep calling my mothers home and saying that I will go to jail or even get money taking out of my work check if I do not pay the bill. Portfolio Recovery Associates, LLC has called my work and inform my boss that they need to talk to me on a urgent matter. I am needing this to stop and want to know what else I can do for them to stop these type of calls. I went through a XXXX  divorce and this is a bill my ex-husband has did.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX Balance : {$7900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$23000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files., I found that under section XXXX ( a ) XXXX and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a money transfer through paypal to a person who was selling tickets for a concert this individual gave me their account and ask for me to screen shot when i had made the transaction and they would send me the tickets. when i send the money they did ask for me to do it through the selection of friends and family, they then went on to tell me that the payment was first on hold and a couple of days after that they said they contacted paypal and were told no money was ever sent. the money was taken from my account and i contacted paypal and they also said the money was in their account. when contacting this person they just kept with the same story of paypal telling him the payment was never made. i contacted paypal on XX/XX/XXXX again on XX/XX/XXXX and one last time on XXXX XXXX. i want my money back since i have no tickets or atleast for this individual to be stopped before scamming someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to validate all accounts I requested via certified usps tracking number XXXX in 2022. Accounts are still reporting. Transunion is violation for failure to respond to the 30 day time frame for validation. 

Transunion failed to validate and delete 4 charge offs that are reporting balances which falsely manipulate the status of limitations with certified tracking numbers : XXXX ; XXXX ; XXXX & XXXX All documents and certified tracking receipts are attached.
Product: Credit reporting or other personal consumer reports

I was checking on my credit report and while I was looking I noticed inquiries that are not mine on there
Product: Debt collection

I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from XXXX XXXX XXXX XXXX XXXX. 

We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. 

To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. 

This message is regarding your Indigo XXXXXXXX account originated by XXXX Bank, which is now owned by XXXX XXXX XXXX XXXX, XXXX. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Product: Checking or savings account

We came home from XXXX vacation to find a letter from Wells Fargo that stated all of our accounts were being closed. All personal checking and savings accounts, along with all of our business accounts. No reason was given, other than a risk manager had decided to close them.
Product: Credit card or prepaid card

On today, XX/XX/2021, I had two transactions taken out of my account, sent from cash app to an anonymous. The two transactions were for {$150.00} and an additional {$50.00}. I have already contacted my bank, I have to wait til the charges arent pending so I can start the dispute process.
Product: Money transfer, virtual currency, or money service

Zelle never warned me that if I Zelle the wrong person I wont get my money back
Product: Credit reporting or other personal consumer reports

I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX  on and for XXXX XXXX with in. The last week, also a dismissed chapter XXXX bk from Illinois that isnt suppose to be on because never finished and reported incorrectly
Product: Money transfer, virtual currency, or money service

When I went online on XX/XX/2023 and checked my accounts, 2 accounts had unotherized XXXX transfers. Savings account had 4, Checking had 8. Called the bank US Bank to report these transfers. US Bank was to freeze my accounts and file a report. On XX/XX/XXXX 4 more XXXX transfers went through ( account was supposed to be frozen ). The total is {$14000.00}. Went to US Bank and closed the affected accounts and opened new ones. I then could not sign onto online banking after much ado and multiple people on their end it finally was resolved so I could get online. Very upsetting as I was the only one monitering my accounts. I don't understand why these transactions didn't send up a red flag. Totally out of character for these accounts. I received " denial '' letters as the bank stated that the transactions posted as requested.Multiple XXXX transfers to myself, with my name spelled several different ways, also 2 XXXX transfers to 2 people I do not know. I have repeatedly talked to the fraud department. I have filed a police report as well as have my IP address changed. Passwords changed and 2nd identifaction put on all accounts. After their denail letters I have kept researching. A person in the US Bank on line banking department determined that these XXXX transactions went to multiple different banks including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX. On XXXX the have supposedly " reopened '' the case and was told I would hear in 3-5 days. That has not happened. I have contacted a lawyer, he can't take my case as the research alone would be more than the {$14000.00} that was stolen from me. He has helped guide me with suggestions on where to turn next. ( that is how I came to be making this complaint. ) XX/XX/2023 I received a letter stating that US Bank attempted to recover funds of one of the transactions ( the same that they determined were posted as requested, not fraud ) The transaction was a XXXX transfer for {$1000.00} and I received a check for {$93.00}. That really makes no sense.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error on my credit report that requires immediate investigation. 

After reviewing my credit report, I noticed inaccurate information related to an account with a past due amount of {$15000.00}. According to my records, this account was opened on XXXX XXXX XXXX, which conflicts with the information on my credit report.

I kindly request your assistance in investigating this matter and correcting the inaccurate information on my credit report as soon as possible.Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this issue in a timely manner
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX Code XXXX ( b ) ( a ) ( XXXX ) : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Per this law, I, as the consumer, XXXX XXXX XXXX, has not authorized, nor given any instructions to furnish such information on a consumer report. 

Also, under XXXX XXXX Code XXXX ( XXXX ) ( b ) which states compliance and procedures : ( 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. 

Per this law, there are specific procedures were not implemented that assure maximum possible accuracy of the information. 

Also, under XXXX XXXX XXXX XXXX ( a ) ( b ) which states the permissible purposes of consumer reports ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Per this law, to investigate a consumer report did not obtain information through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she is acquainted or who XXXX have knowledge concerning any such items of information ; including the original creditor. 

XXXX. Additionally, I have not given permission to furnish no such data -- - XXXX XXXX XXXX XXXX ( b ). 

XXXX. This credit bureau has not provided a method of verification procedures that are permissible under the law -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. There has been no contact with the original creditor, the New Jersey XXXX, about this information. -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. No online searches on public sites can be used to validate debt -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Attached is a letter to the consumer from XXXX that states that it " does not report or verify information with credit bureaus, '' nor furnished the credit bureau with any information
Product: Debt collection

On XX/XX/2024 I receive first communication through email from XXXXXXXX XXXX XXXX  There are over 8 violations according to the FDCPA. The Original creditor hasn't notified me of anything regarding XXXX XXXX. I have not been given a 30 day debt validation notice through the mail, I need to see the chain of title because companies are hacked everyday, I didn't get a 1099 for my tax records, where is the account statement from the original creditor stating last payment date and amount, I also don't live in the state Michigan and I have no real evidence this exist.
Product: Payday loan, title loan, or personal loan

I 'm trying to link my bank to Activehours systems and it 's saying I have the wrong information and to contact your agency
Product: Student loan

The loan was opened in XXXX XXXX and defaulted in XXXX XXXX. It was charged off and picked up by a collection agency. XXXX/XXXX/XXXX, I reached an agreement with the collection agency and settled the debt in full. AES was servicing the loan and has failed to update the status of the loan or the balance. I have a written letter from AES stating that the principal balance is now XXXX but XXXX continues to report the loan with a status of " In Collections '' with a current balance of XXXX, and unpaid balance of XXXX and a highest balance of XXXX. I need the loan status to reflect that it was a charge off and the correct balance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX. XXXX, Citi Credit Card Services Dept., XXXX, returned my call, RE-New Credit Card Offer Application : Callback regarding dispute that CITI CARDS CBNA made a Bank / Credit Card Inquiry by checking your XXXX  XXXX  File on XX/XX/XXXX. Inform XXXX that I didn't completed the XXXX XXXX credit card offer application, when asked a question, I chose not to answer, I aborted the application. Inform that I received a denial letter today, dated XX/XX/XXXXXXXX  stating the reason for the denial : Too many inquiries are recorded on your credit report. This is not true information. XXXX provided Citi Credit Card Services Subscriber # XXXX and stated that she would submit the dispute to remove dispute from XXXX and it could take up to 30 days.. I requested that she submit the request to remove the inquiry also from XXXX and XXXX. I later received a letter dated XX/XX/XXXX form Citibank, N.A., stating we are unable to remove the inquiry form your credit bureau report. The inquiry was made in order to review your application for a new account with us. Sincerely, XXXX XXXX XXXX. XXXX.