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

I hope this message find you well. I am submitting this CFPB complaint regarding unauthorized inquiries I recently noticed on my XXXX credit reports. While Equifax has successfully removed all the unauthorized inquiries just this recent days earlier, when I habitually checked my Equifax credit report, I noticed these XXXX unusual inquiries in it, the thing is when checking my records regarding those specific days I found none of the said inquiries I made to the companies. The same thing for XXXX and, in particular, XXXX. Like I said in my recent complaint the XXXX has removed most but not all of the specified fraudulent inquiries, with XXXX inquiries remaining unresolved. However, from XXXX Credit Bureau there was no action has been taken to remove any fraudulent inquiries, and now these additional XXXX inquiries added to my issues I need to fix in my credit file. I kindly request that XXXX, Equifax and XXXX Credit Bureaus promptly address the following fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I want to ensure that my credit report accurately reflects my creditworthiness and remains free from unauthorized entries. As a consumer, I expect full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates credit bureaus to investigate and respond to consumer disputes within 30 days. Considering that several months have passed since I initiated these inquiries, I request immediate action to resolve this matter.
Product: Debt collection

In early XXXX I was embarrassingly informed of a judgment against me through my employer. My employer shared a mailing received from RAS LaVrar Law Offices attempting to garnish my wages for a debt owed to XXXX. Being a single mother and relying on each paycheck to make ends meet I immediately filed for a claim of exemption to prevent my wages from being garnished in XXXX of XXXX. This exemption was granted on XX/XX/XXXX. During my hearing I requested a contact number from the individual representing the law firm ( via phone ) so that I XXXX dispute this debt. I contacted this number several times from XXXX through the summer of XXXX requesting proof that this debt was in fact mine. I also filed a credit card fraud claim with XXXX. XXXX denied my claim stating my social security number and date of birth matched their records, payments were made from XX/XX/XXXX - XX/XX/XXXX and prior communication with collections department stated no mention of account being fraudulent. I then received a letter in XXXX of XXXX from the law office stating their client ( XXXX ) verified the debt owed and the only proof attached was a final summary judgement filed on XX/XX/XXXX. The ONLY XXXX  credit card I ever applied for and possessed was opened in XX/XX/XXXX, Closed in XX/XX/XXXX and the credit limit was {$300.00}. My XXXX XXXX credit report reflects this information and shows the status of this account Paid, Closed/Never late ( if you note above XXXX  claims I made payments through XXXX of XXXX, why would I make payments towards a closed account? ). The judgement XXXX filed in XXXX states I owe {$5700.00} on principal. My current credit reports from all XXXX credit bureaus do not reflect any debt owed or in collections to XXXX. I would also like to mention that XXXX had a data breach that occurred in XXXX. I simply do not understand how I could have incurred a debt of over $ XXXX on a credit card that had a limit of only {$300.00}. 
XXXX years later, I have now again received a letter by mail dated XX/XX/XXXX from RAS LaVrar law offices requesting documents providing ALL my personal information including bank statements, paychecks, etc., in an attempt to again try and collect this debt that is not mine.
Product: Debt collection

XX/XX/22 PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ) furnished my personal information ( identity theft ) and tried to collect an alleged debt from me. I sent letter on XX/XX/22 asking for competent evidence that I have/had any obligation to pay PRA. I received letter from PRA on XX/XX/22 with incompetent evidence nor any debt validation I asked for.
Product: Checking or savings account

The ATM at Regions in XXXX, GA does not have a drive thru ATM. You have to get out of your vehicle to use the ATM. This is the only branch that does not have a drive thru ATM. It is very inconvenient and dangerous. Also, the XXXX department needs to recognize PR as payroll so early pay can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  are in contempt and violating my consumer right by furnishing the account starting with XXXX on my account please i need you to to verify the accuracy of the data and delete account and block any future report from XXXX XXXX. i don't recognize the company and i have never done business with this company before.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX : TIME FIN Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$370.00} XX/XX/XXXX XXXX Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$950.00} XX/XX/XXXX XXXX Account Number : XXXX {$9600.00} XX/XX/XXXX Account Number : XXXX {$87.00} XX/XX/XXXX XXXX  Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$950.00} XX/XX/XXXX XXXX  Account Number : XXXX {$9600.00} XX/XX/XXXX TransUnion : XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$950.00} XX/XX/XXXX XXXX  Account Number : XXXX {$9600.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/Nelnet desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was negatively impacted by The XXXX Data Breach. I've been contacted by the company several times and informed them that this is an fraudulent account i did not authorize nor am i aware of. They proceeded and placed that account of my consumer report! I have experience nothing but stress, anxiety and deep depression due to the impact this has made on my life. I need these items removed from my report Immediately. I will also file a report with the States Attorney General, FTC, Securities and Exchange Commission and be sure to make my XXXX XXXX followers aware of this company fraudulent behavior against consumers.
Product: Debt collection

I received a letter from a debt collection agency on behalf of XXXX XXXX in late XXXX. I immediately ticked the box on the form requesting details of the debt and returned it. I have confirmed with the company that they received the letter on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received a letter of validation. I have received text messages and calls attempting to chase the debt though. I have explained to the people calling that I requested information and it has not been shared. My understanding was that they have 5 days to respond. It's been a month and nothing. 

My original confusion stems from the fact that vehicle insurance is paid in advance therefore I do not understand how they can claim I owe them money upon cancelling the policy.
Product: Credit card

I am the owner of XXXX Citi credit card and I have my credit card even on my phone ( XXXX XXXX ). I live in XXXX Florida. My name is XXXX XXXX. On XX/XX/XXXX I got XXXX texts advising me about XXXX purchases in XXXX different XXXX grocery stores around XXXX OH of {$50.00}. Immediately I called the bank to report the fraud and they changed the card in real time they inserted the new card into XXXX XXXX into my phone. The day after I noticed XXXX more unauthorized purchases of {$10.00} and {$12.00} in XXXXXXXX XXXX DC. I disputed even those XXXX transactions with my bank and they changed again my credit card with the same procedure end adding the new XXXX to my phone XXXX XXXX. The situation continued until today when I had XXXX more unauthorized transaction on the same XXXXXXXX XXXX DC of {$10.00} on the card that was on my XXXX XXXX but I didn't have it yet physically. To make the long story short today XX/XX/XXXX I have the XXXX credit card changed in 13 days. Can you do something? Thank you. XXXX XXXX
Product: Checking or savings account

i rented a car in XX/XX/2022 and i had to pay a {$500.00} deposit and i used my coinbase card, when i returned the rental car the {$500.00} deposit was to be refunded but I do not see the {$500.00} balance was credited back to my account, it seems as though the {$500.00} just disappeared. I called coinbase support and was told to create a ticket i created a ticket and the ticket was ignored even after sending a follow up i did not receive any response back. completely unacceptable
Product: Mortgage

I sent financials and a request for mortgage modification to Ditech mortgage for them to process. Ditech had all the requested documents but they foreclosed on my home while they were processing my modification request.
Product: Debt collection

I have requested three times for Resurgent Capital Services to provide proof that I opened this account with XXXX XXXX, XXXX XXXX and include my signature, indicating that I did open this account. Three times, I have not received proof that I opened this debt, nor have they removed it from my credit. The last communication was sent via certified mail on XX/XX/XXXX with a cease and desist with a request to provide proof that I opened this account. I just received a letter with a copy of a statement, no signature, and the account has not been removed from my credit. According to the FCRA, I have the right to a fair reporting on my credit report. I did not open XXXX XXXX Account Number XXXX and Resurgent Capital has yet to provide me a copy of agreement that I signed to open this account, because I did not open this account. 

I am requesting proof that I opened this account, which I did not, or I am requesting that the item be removed from my credit report immediately.
Product: Credit card or prepaid card

First progress card requires you to pay XXXX XXXX deposit and that is your credit line once you pay that the card is activated. I did this and made two purchases resulting in around XXXX dollars debit. They then immediately closed my account and I keep calling and they hang up on me when I ask why my account was closed and request the remainder of my deposit back which would be around XXXX. I funded the deposit on XX/XX/XXXX and was canceled XX/XX/XXXX. Never received a bill that I did not pay in that amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX AND XX/XX/2022, I SENT CERTIFIED MAIL TO EQUIFAX. THEY HAVE YET TO RESPOND TO THAT NOTICE AND HAVE DISREGARDED MY INSTRUCTIONS. THEIR DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.
Product: Credit reporting or other personal consumer reports

RE : 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

American Accounts Advisors did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

I am a victim of ID theft, someone broke into my car and stole my wallet and luggage, my ID, passport and ss card was compromised and I filled a police report and the investigation is ongoing, I recently filed another police report regarding the accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. DOE XXXX # XXXX XX/XX/XXXX XXXX. XXXX # XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For greater than one year I have repeatedly requested that Experian remove XXXX XXXX  's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from XXXX XXXX acknowledging the error and blaming Experian. Also attached, in a dispute to XXXX XXXX, is the contact from Experian that stated that XXXX XXXX keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on XX/XX/XXXX.
Product: Credit card or prepaid card

I received a  XXXX  form dated for  XXXX  from FIA Card Service s, N.A. in rega rds a Bank of America account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to Bank  of A merica asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,  XXXX   XXXX ,  XXXX  my credit report still shows a balance owed of {$17000.00 } ( th is is not correct and is severely damaging my credit reports and credit scores  ). I  demand action and my credit report be updated immediately. I also want a letter from Ba nk of America/FIA Card Services, N.A. st ating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and need them to be deleted ASAP
Product: Credit card or prepaid card

Today is XX/XX/. I opened an account with Discovercard XXXX They required a deposit of {$200.00} or {$500.00}. I deposited {$500.00}. Today, when I told them I was going to deposit {$5000.00} as soon as the card was activated, they told me that is impossible with them. They said I could only ad {$50.00} at a time up to a maximum of {$2500.00}. That is useless to me. I had already found a card that uses a savings account to back the card and I can deposit any amount and then use the card for purchases, which is what I need. I called Discovercard and told them I want my {$500.00} back now so I can make a purchase of medical equipment. They said they " can't '' - translated " won't '' do that. They said the account needed to be fully set up and activated before I could get my money back and that it takes about 10 days for that. I told the rep to connect me with a supervisor or XXXX ( XXXX ) who said the same thing. I NEED MY MONEY BACK AS FAST AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing fraudulent accounts on my credit report. This accounts were opened in 2017 when the XXXX breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but Experian refuses to reinvestigate and XXXX and XXXX continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/XXXX. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. Here are the accounts that are in violation : XXXX XXXX XXXX  Date Assigned on XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute This is a violation of my rights.
Product: Credit card

I closed my account with Citicard XX/XX/XXXX. I had been a loyal customer of Citicard since XX/XX/XXXX, and received paper bills and paid them in a timely manner every month for 14 years. After I closed my account, I cut up my physical card, and stopped using the account. Unbeknownst to me, there was a small balance - under {$10.00} - remaining. I did not receive a paper bill to indicate there was a balance. I received a call from a collection agency saying I now owe over {$88.00} which includes XXXX charges of {$25.00} for late payment - plus interest. My card has been closed! They say I switched to e-billing. I assured them I had not since I get ALL my bills from every vendor mailed to me each month.
Product: Credit reporting or other personal consumer reports

I did not open these accounts these accounts do not belong to me. These accounts are fraudulent and should not be on my consumer report by law. 
Capital one XXXX... 
XXXX XXXX  XXXX  XXXX... 
XXXX XXXX  XXXX... 
XXXX  XXXX XXXX  XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized and reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Money transfer, virtual currency, or money service

I was trying to sell my guitar through XXXX XXXX XXXX on XX/XX/2023 for {$470.00} when I was contacted by a scammer who made an offer to purchase my guitar. They asked me for my Zelle pay information, which I provided and received what looked like a Zelle email stating that the money in the amount of {$870.00} was sent to my account, but couldnt be disbursed because the amount was too large. It asked me to send {$400.00} back so that Zelle couldnt disburse the proper amount into my account. After realizing Id been scammed I immediately contacted my bank which is XXXX and they opened a claim for the scam. On XX/XX/2023 XXXX informed me that Zelle had closed the claim and denied their request for a courtesy refund. Neither Zelle, nor XXXX asked for evidence of the e-mails I received from my scammer or the messages leading up to the scam, despite being told by a specialist that XXXX would provide me with a temporary credit while the investigation was being conducted ( which was received ), as well as being advised to keep screenshots of the exchange with the scammer, because they might be used for the investigation. Neither XXXX, nor Zelle knows how to protect their customers, not how to reimburse them when money is lost due to a lack of security measures which have made these scams such a common occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau reporting 30 days late for XXXX XXXX  XXXX. I have contacted XXXX XXXX  XXXX about the incorrect data. They have advised me to contact the credit bureau.