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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account 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. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/year>, Capital One had a vendor issue and didn't give me my direct deposit for over XXXX hours. I didn't receive my direct deposit until XXXX XXXX XXXX  at XXXXXXXX XXXX  During this timeframe, I had multiple return payments due to this issue. I requested reimbursement for the inconvenience, but Capital wouldn't grant my request for reimbursement. I spoke to a representative and they stated they couldn't reimburse me. I requested a supervisor. The representative went to get a supervisor but stated none was available. I advised I will wait. Representative placed me on hold for XXXX minutes. Representative came back and stated there aren't any supervisors available at the moment and it will take over XXXX minutes before one might be available. I asked can they give me a call back in regard to the situation. The representative stated they Capital One doesn't call back customers. Advised I will wait. Representative placed me on hold for XXXX minutes and stated the XXXX might take another XXXX minutes to come to the phone. I advised I'm getting off the phone and will file a complaint about Captial One not wanting to reimburse customers who they inconvenienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX B XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

I am a victim Please block and remove all items in question items : XXXX XXXX XXXX {$6700.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX  Account Number : XXXX Please remove it from my credit report.

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. This account was PAID and AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Account was paid XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of this erroneous information on my credit report : XXXX XXXXXXXX
Product: Debt collection

A Citibank XXXX card was opened in my name back in XX/XX/XXXX by a family member without my permission and was illegally used. The ending charge-off balance was over {$700.00}. I filed an ID theft complaint not long after the account had shown up negatively on my credit report and the account was removed around XX/XX/XXXX. Unknowingly the account was posted on my XXXX credit report around XX/XX/XXXX. I only found out about the negative item after I applied for a mortgage refinance. While my refinance was successful, the account caused my credit score to decrease and made my interest rate higher than it should of been. Needless to say, I was furious at the fact that Citi/XXXX would repost an account that was already deleted. This item still stands on my XXXX report and I am demanding that Citi/XXXX remove this item. The account number begins with XXXX ... .. under the name XXXX XXXX XXXX .
Product: Credit reporting or other personal consumer reports

This is my fourth time writing you to update my person information. 
XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impart and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or a correspondence nor do I have access to any of these addresses plese delete these outdated addresses and update the addresses with the XXXX above. 

My only phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX ( a ) am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX go XXXX XXXX and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I mailed letter to XXXX  with a copy of Notice of Arbitration Award I received from the XXXX County District Court in my favor and against Portfolio Recovery. Portfolio sued me for {$5.00}. The Decision was against Portfolio Recovery. I requested Portfolio be removed from my XXXX  Credit report. XXXX  claims they never received the letter and documents tha was sent through the USPS. After more than 20 phone calls and being transferred from Dept. To Dept and being told I should mail it to XXXX XXXX XXXX instead of XXXX XXXX. I sent a new package to that bos Certified this time. They say they still didnt receive it. I made More than 30 phone calls to XXXX  to solve this. 
XX/XX/XXXX through XXXX own website I filed another Dispute and downloaded the documents and a copy of my XXXX letter.That was to no avail. Today I received a notice from XXXX  stating that they are not removing Portfolio from my Report, because Portfolio certified they are right. XXXX  is not very Professional. I dont know if they have a legal Department, that could have taken a look at the documents. Especially Court -documents. On XX/XX/XXXX I also sent the Documents to XXXX XXXX and they deleted Portfolio from my Account with them. XXXX  has a major problem. They cant read XXXX. A simple phone call to the Courts would verify the Award and they would delete Portfolio.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. 

As a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. 

The following accounts are being disputed : 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 I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. 

Please ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. 

Please notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX and the credit bureaus for fraudulent and duplicate account reporting. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requires credit furnishers to report only accurate, complete, and verifiable informationthis account fails to meet that standard.

Key details about this fraudulent account : This XXXX XXXX account is fraudulent and was not opened or authorized by me. 
XXXX XXXX is reporting this fraudulent account twice under two different names : XXXX XXXX ( Charge-Off on Experian ) with a balance of {$3400.00} XXXX XXXX XXXX XXXX ( Collection Account on TransUnion ) with a balance of {$3400.00} XXXX does not report this account at all, proving inconsistent and inaccurate reporting. 
I have already submitted an FTC Identity Theft Affidavit and a police report, yet the credit bureaus continue to verify this fraudulent account.

Why this account must be deleted immediately : Identity Theft Protection Laws ( FCRA, FACTA, FDCPA ) require immediate removal of fraudulent accounts upon proof of identity theft. I have provided proper documentation multiple times.

Duplicate account reporting is misleading, inaccurate, and unfairly damaging my credit. 
This fraudulent account must be flagged as identity theft and permanently deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ftc report which I had back then but I lost since my mom XXXX this is not mine these accounts are not mine. I owe nothing to anyone
Product: Debt collection

After I made the payment of my capital one credit card the agent was telling me I do have another credit car and It must be Pay it in a full amount after I received a settlement for % 30 the person tread me like a was stolen her money, and i told her I have never say I was not paying the money I just need time to recover after the pandemic, she claim if I dont pay it by the end of the month the company will start and present charge to put me in XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$560.00} XXXX XXXX  XX/XX/XXXX =========XXXX : XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX ( charge off ) -- {$2300.00} XXXX XXXX XXXX XXXX ( charge off ) -- {$13000.00} XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, a charge of {$200.00} was deducted from my checking account from XXXX that I did not authorize. On XX/XX/XXXX once I was notified electronically, I contacted my bank, Santander, and advised them about the unauthorized charge on my account and to dispute the charge. I also contacted XXXX to file a complaint and to dispute the charge. The next day, I received an email from XXXX that my checking account was refunded the {$200.00}, and the charge was made for a XXXX purchase. I thought the case was resolved, then on XX/XX/XXXX, I received a letter from Santander advising me they agree with the merchant and my checking account will be charged the {$200.00} for the XXXX purchase. I tried to call Sandtander 's card claims contact center twice and was on hold for over 10 minutes. I decided to email their contact center to request a call. I do not agree with their decision and no determination documents were attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( XXXX & Experian ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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: Money transfer, virtual currency, or money service

PayPal closed my account with XXXX for no reason an will not help me with getting it back up and Im am not sure if this is some mistake I assume it has to be I have not been able to get no help from them an it has been months but I just remembered I could file a report on here as I feel they are not doing there job properly and it is affecting me a great bit my email linked to the account is XXXX XXXX