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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts The XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX A date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX In date of inquiry ( XX/XX/XXXX ), XXXX XXXX  XXXX date of inquiry ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit reports to remove the XXXX items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in 30 days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to XXXX XXXX XXXX ext XXXX I filed in errors numerous times with all 3 credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00}
Product: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX  I was charged {$110.00} from XXXX for a flight to XXXX  XXXX. I have never heard of this airline before because its an XXXX XXXX  and I am in the XXXX. They tried to charge me a second time for about XXXX but it didnt go through because that first charge made me almost overdrawn. I disputed it immediately to Chime and closed my card. I wasnt able to actually make a claim until the payment processed on XX/XX/XXXX which is when they gave me a provisional credit. They were then investigating the claim. I also received a refund from the merchant on XX/XX/XXXX for the amount. On XX/XX/XXXX, I received an email from Chime disclosing that the investigation is finished and that they concluded that no error occurred and said they were reversing the provisional credit affective XX/XX/XXXX. So on the XXXX I called them and spoke to the Dispute dptmt manager and he assured me to disregard the email and that I would not be charged. However, yesterday they did in fact take the money from my account and I have tried to speak to them and all they say is that they can send me the documents within 10 days and or give them more proof that I didnt make the charge.I dont know how im supposed to do that when no other bank made me have to prove that a fraudulent purchase was not mine. I assume they can check IP addresses and things beyond my ability to see the proof. This is very frustrating and financially hard on me and need this resolved.Thank you for your time.
Product: Credit card or prepaid card

I paid off my account which had grown to 100 % usage. It took several hours over several days to access my account online, and now they're not reporting to the credit bureaus. This is hampering my getting a mortgage in three ways : total debt, credit usage, and resilience index scores. 

I emailed customer service and was told that they had a system upgrade in XXXX and we're not yet ready to update reporting. It is almost XXXX. I have registered complaints through XXXX of the credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . 

It has come to my attenion that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. These remarks are [ describe the remarks in detail, including any inaccuracies or misleading information ]. 

I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requres consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. 

I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within [ specify a reasonable timeframe, such as XXXX  days ] from the date of this letter. 

Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

account-XXXX XXXX  XXXX Update status on dates followed to current status. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Credit reporting

To whom it may concern : I, XXXX XXXX, writing this letter in regards of collection account which I just found out from me credit bureau and it was created on my name for the purchase I never made. 
The details of this collection says that I owe {$3300.00} to a creditor - XXXX. I want to dispute this just because I live in America since 1996 and have never in my life purchased a phone or signed up for a contract to XXXX XXXX. The person who has is not me and is a fraud of myself. I would like to request a full investigation on who impersonated me. As soon as any information is found, please contact me and remove me off the collection list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX -US Dept of EDU #... XXXX -US Dept of EDU # XXXX -Dept of EDU/XXXX # XXXX XXXX -Dept of EDU/XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -US Dept of EDU # ... XXXX -Dept of EDU/XXXX # ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX XXXX ... XXXX -Dept of EDU/XXXX # ... XXXX -Dept of EDUXXXX XXXX  XXXX XXXX -Dept of EDU/XXXX # XXXX XXXX XXXX XXXX # ... XXXX XXXX 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 a account without my written instructions In addition, I have usage of less than 30 % of the following accounts total credit and Experian is not reporting on some of my credit card accounts ( 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 XXXXXXXX which is the amount required to keep my credit in good standing and raise my credit, and yet, these reporting companies keep deducting from my credit points unwarranted. I spoke with XXXX XXXXXXXX XXXX for example, and they inquired for a while in their system of why this was happening with the credit reporting agencies and they advised to reach out to them, because on their end it shows that I am correct about this account. Same with the other credit cards I use. 

Moreover, I have never been known as XXXX XXXX and I don't have a middle Initial. That is incorrect.
Product: Debt collection

I am writing this complaint because there is a debt collection company by the name of NATIONAL CREDIT ADJUSTERS who is reporting an alleged debt without a license to collect in the state of Tennessee. I reside in the state of Tennessee, and they require collection companies to have an actual Tennessee business license to collect. This information was requested from them in an initial debt validation letter, but information was not given. This company is also reporting misleading information on my consumer report regarding the alleged debt in question. They are reporting multiple notations of " C '' for Collection every single month. This is misleading and it breaches the law per the FCRA pertaining accuracy and fairness of credit reporting. This is a furnishing error per 15 USC 1681s-2. This company also implicates that communicate could be from an attorney as reported on my XXXX consumer disclosure report. That is also a violation per 15 USC 1692e ( 3 ). This company is ruining my reputation per 15 USC 1692d ( 1 ) NATIONAL CREDIT ADJUSTERS is using abusive and deceptive means to collect the alleged debt. A violation per 15 USC 1692e ( 10 ). NATIONAL CREDIT ADJSUTERS also uses a cartoon animated logo that appears to be a star which is prohibited per FDCPA 15 USC 1692f ( 8 ). These behaviors are illegal and are grounds for legal action per 15 USC 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Remove these accounts and remarks from my credit report as soon as possible.
Product: Vehicle loan or lease

After many talks and many attempts to explain that the amount owed is way above of what it should be they still mentioned they can't do anything. I borrowed amd amount and now i owed more then what i borrowed. I attempted many times to work out with the agency and they keep been rude and treat to pay up or they will repo my vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have discovered inaccuracies on my consumer file maintained by your institution, and I am concerned that you are not in compliance with the Fair Credit Reporting Act ( FCRA ) provisions. 

As defined in 15 U.S. Code 1681a, the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, employment, or any other purpose authorized under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently XXXX, XXXX, TRANSUNION, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.
Product: Credit card or prepaid card

On XX/XX/22, I had a {$100.00} charge " XXXX XXXX, '' which paid for my Global Entry fee renewal. XXXX of the benefits of the American Express Platinum card is a refund for paying the Global Entry fee. Per AMEX 's Terms & Conditions, the charge would be credited within XXXX weeks of posting. Here is the language, directly from AMEX : If you do not see a credit for a qualifying purchase on your eligible XXXX after XXXX weeks, simply call the number on the back of your XXXX. XXXX XXXX are responsible for payment of all application charges until the statement credit posts to the XXXX account. 

Unfortunately, over XXXX weeks have passed ( actually XXXX weeks ) and I have yet to receive my credit, even after contacting AMEX XXXX regarding the issue. 

All I am asking for is the credit on my account ASAP, which is what AMEX promised to do in their own Terms & Conditions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my most recent credit report, I found an error that appears to conflict with my records. Accurate reporting is essential to maintaining my financial reputation, so I am asking for your assistance in resolving this matter. Please investigate the discrepancy and make any necessary corrections to ensure my report is accurate. Your attention to this matter is greatly appreciated, and I thank you in advance for your help.
Product: Checking or savings account

Everytime I swipe my debit card it takes about 4 to 5 days to post. When this happens it says i have a certain amount but than all of a sudden Im in the negative. This is very frustrating when I am trying to manage my money due to paying back debt.
Product: Credit card

On XX/XX/ Venmo sent me an email stating that I may have violated their terms and they froze my account balance of {$4400.00}. I called them and wrote them emails. Finally, on XXXX XXXX  Venmo emailed me that my account was permanently deactivated because of a violation of their terms. I've had the account almost 2 years without any problems. Venmo did NOT state how I could withdraw my balance. I called and was told that I have to wait until the Account Specialist emails me their decision. That they would either allow me to transfer my balance to my bank account or they would hold my funds for 180 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint
Product: Money transfer, virtual currency, or money service

PayPal lock my account for reason an I need my cash for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX and XXXX with XXXX  and XXXX XXXX but a XXXX with experian. There was one collection account on their report that was paid off and has been removed through dispute. I called them and spoke to two people but nobody could tell me why my score is 70+ points lower than the other two companies. Doesnt make sense with all 3 having the same data.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mort Svc XXXX has been paid off since XXXX of XXXX. There are numerous late payments reported and I was never late paying the note. I have called constantly to rectify the problem and was told that it would be taken care of. I am in the process of purchasing a new home and I am having trouble with these late payments. Please have them removed and report as " Paid as agreed '' XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX  XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX XXXX XXXX I am a victim of Identity Theft. This is a fraudulent account in the amount of XXXX I have filed an FTC report on all of these items along with the numerous inquiries reported on my credit file
Product: Mortgage

In XXXX I took out a mortgage with XXXX  XXXX XXXX XXXX. Due to the recession in XXXX I was unable to make my payments and my home went into foreclosure. XXXX XXXX  XXXX filed a lis pendens to foreclose on my property. They admitted in their complaint that they were the holder and owner of the mortgage and promissory note. The foreclosure started in XXXX and they finally voluntarily dismissed their case against me in XXXX. In XXXX they filed a new lis pendens and now XXXX XXXX  XXXX as Trustee for a REMIC Trust. So they have admitted into evidence that the original Note was directly transferred from XXXX  XXXX XXXX XXXX into the Trust. There are no dates on the Note as to when this transfer happened. According to the Pooling and Servicing Agreement for the REMIC Trust and the Mortgage Loan Purchase Agreement, XXXX  XXXX XXXX was to sell my loan to XXXX XXXX XXXX XXXX XXXX and then XXXX  XXXX XXXX XXXX was to create the Trusts and register them with the SEC. XXXX XXXX  has clearly breached their fiduciary duty as a Trustee, violated IRS laws and SEC laws and now they are trying to foreclose on me and it is impossible that my loan ever made it into the REMIC Trust. I paid an attorney to help me defend my case but he never deposed any bank employees or entered any evidence or witness list. He just wanted to settle with the Plaintiff when I clearly wanted to take the case to trial. I recently terminated the services of XXXX XXXX XXXX and the Plaintiff Attorneys plan to take my case to trial in XXXX. I am in need of assistance asap. I have plenty of evidence to send you. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX account # XXXX and XXXX  account # XXXX with XXXX XXXX Transunion on XX/XX/2021. Both Transunion and XXXX responded that these accounts were verified as accurate by XXXX. I then mailed letters to XXXX on XXXX XXXX these accounts and ALL Letters were returned to me via USPS because the address this creditor provided on my credit report is vacant with no forwarding address. I have attached copies of the envelopes. According to the FCRA, I must be able to contact any creditor who reports informatoni on my credit report. Since I am not able to contact XXXX using the contact information that's on my credit report ; these accounts should be removed for FCRA violation. I have attached copies of the dispute letters sent as well as the envelopes that show that the address on my credit report for this company is invalid/vacant with no mail forwarding options.
Product: Credit card

Due to a problem with my checking account I made a late payment on my credit card. The payment was due XX/XX/2024 and my payment wasn't made until XX/XX/2024. I was charged a {$40.00} late fee on XX/XX/XXXX. When I called Capital One 's customer service to complain about the amount of the late fee and mentioned the new law limiting the amount of late fees, the customer service rep told me they had never heard of the law. I asked to speak to a manager and the manager told me the law was not in effect yet. I have searched on my own and can't find a clear date when it takes effect. I am seeking clarification.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.