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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to have XXXX and TransUnion to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX  promptly deleted it.

FCRA Section 611 ( a ) ( 2 ) requires Transunion, XXXX  and XXXX XXXX ( which attached document shows XXXX   XXXX attempted to dispute this with Transunion and XXXX ) to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
Product: Credit card or prepaid card

I have two accounts with Capital one XXXX The other account is XXXX These accounts are old and I would like to have them removed. I would like them removed from my credit reports ( all reporting bureaus ).
Product: Debt collection

I send several letters to this debtor and they refused to remove the negative mark from credit report and refuse to properly validate that the debt is owe to this agency. The statue of limitation in the state of Florida is 5 years for debt collection they failed to identify themselves with license to collect in the state of Florida and they refuse to provide proof of signature and ownership of the debt. They violated the XXXXederal Credit Right Commisions Act prohibitions.
Product: Money transfer, virtual currency, or money service

Dear PayPal XXXX, I am writing to appeal the suspension of my newly created PayPal account, registered under the email XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The Navient and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. Navient and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ... 
Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status? 

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.
Product: Credit card

I ordered {$1000.00} in gift cards from my Chase Ultimate rewards program but they were lost by XXXX. 

The tracking number is XXXX I never got the cards and called Chase and spoke to 9 people over 5 hours and each one promised me a resolution but never delivered. I said I was happy to either have my points back or my gift cards but I wanted a resolution. 

Every time they told me to wait for an " escalation '' and check back later. Nothing ever happened. 

On my final call I brought up the analogy of an XXXX shipment that never arrived and how quickly and efficiently XXXX would make that right for their customers. The response was " we're a bank and we do things differently '' Seemingly Chase things they are entitled to ignore their promises to their customers and simply ignore requests for redress. It seems to be a deliberate policy to drag out the experience to make the customer miserable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Over 10 years ago These two loans that i didnt not taken out nor benefit from were determined to be not mine and they have been placed on my credit report again. Every couple of years I have to go through this removal process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX # XXXX 1 Late payment XXXX account has been closed for 2 years now never sent my XXXX for a charge off account either XXXX XXXX  # XXXX Closed for over 2 years now and still reporting when it shouldnt 1 late payment XXXX showing XXXX XXXX XXXX XXXX Closed account still showing late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Nd. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC {$1600.00} 
violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX WAY, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Debt collection

This company has called me repeatedly and is now calling any number that was associated to me including my parents. I do n't even have a debt with them - I did have my identity compromised lately due to a data breach and strange things have been happening since then.
Product: Credit card or prepaid card

I have a CapitalOne Platinum card where I have a $XXXX minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up when I first received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the company via mail. I do all of my communication with the credit card companies through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my CapitalOne Platinum credit card account for the month of XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the company was sending me to go to my old address. This cut off all communication with me and the company and I was unaware that I was missing a payment until an associate at CapitalOne called me in XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER request that I dispute particular records on my credit file that do not belong to me, that I have signed any agreement, or that I have been the victim of identity theft and that no one appears to care. The data I'm disputing has nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. The following INCORRECT ADDRESSES should be removed. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX.
Product: Credit card or prepaid card

My name is XXXX XXXX and I was in a XXXX flight XXXX on XX/XX/2019. 
I feel that prior to the flight, i was subject to the fraudulent scam perpetrated on my by XXXX reservation agent. I was trying to change my seat assignment on Friday, XX/XX/XXXX, since i was traveling with my husband and our young grand daughter, i wanted to seat in the middle of the plane. I XXXX  XXXX and found the phone number in the XXXX. I spoke to someone who identified themselves as XXXX reservation specialist and was told that there was a promotion and i could move my seats, but there was some glitch in the system and i had to quickly go to the closest store and buy prepaid XXXX cards in the amount of the full ticket price, the invoice with XXXX logo was forwarded to my email address, please see attached. When i questioned this request, i was told that my current reservation was cancelled and if i still wanted to travel, prepaid cards in the amount of {$1800.00}, was the only way to retain my reservation. I felt that i had no choice but to buy the prepaid cards to accommodate the XXXX agent request. Since i called XXXX myself, I had no suspicions that i was not dealing with XXXX reservations representative. I was also sent an invoice by email as well with the XXXX logo. 
After the call ended, I was told that i became a victim of fraudulent scheme, and XXXX reservations whose number i saw in the XXXX search, was not a real XXXX number, my real reservation was not affected, but i was swindled out of {$1.00}, XXXX which i paid by my credit card. I am very upset and outraged that XXXX does not monitor the fake XXXX numbers that appear in XXXX searches. I feel that its your responsibility to protect your customers and the validity of your XXXX searches. Im retires and on fixed income, this fake XXXX bill presents a huge hardship for me and i feel that XXXX should be responsible and held liable for the fact that you don '' t protect your XXXX searches. I am attaching all the relevant information for you and hope that you will be able to assist in this matter. 
I contacted my credit card it's Barclays bank account ending with XXXX and told them that I was a victim of a scam and the credit card does not do investigation for scam and keeps charging me the amount.I was contacted to what I thought was XXXX XXXX and it was a scammer who took away my money and I only realized after a few transactions. 
Please help me to investigate this transactions and reimburse for the money I myself did not use. 
I reported this issue to FTC and XXXX as well Best regards, XXXX XXXX XXXX Here is the phone numbers XXXX XXXX XXXX XXXX XXXX Here is the invoice with the XXXX logo which I received by mail. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Americredit Financial XXXX, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : Americredit Financial XXXX, XX/XX/2023, XX/XX/2023. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Credit card

Treuist bank says they can not help since the case is closed even they have every proof the company vanished in thin air no means to contact them email bounces back and no prrof the merchandise was actually delivered or not! 

I was shopping for a deal on an espresso machine which popped up on XXXX. 
Went on the site looked legitsince shop pay was associated with it which i used before so purchased the item. 
Wanted to expedite shipping so emailed the vendor listed ( XXXX ) email bounced back. 
Called my cc and put a stop on the scam XXXX notified the delivery was made. 
Reported shopify that delivery never happened. 
My cc charged me back saying ity was dfelivered. 
checked the delivery tracking number noted as XXXX. they said it is not their tracking number The delivery never happened The site does not exist anymore the email bounces back And my cc says that it is a legit company and charged me back PLEASE JUSTIFY AND HELP!!! 
Fraud CC Bank " Truist '' conclusively : The bank seems to be involved with the scam then, since they say they have closed my case. 
I told them where is the merchandise if it was delivered and who should I go to when the company does not exist.
Product: Credit reporting or other personal consumer reports

Hello and thank you for allowing me this opportunity to express my frustration and complaints with the credit reporting agency known as Experian. I placed a fraud alert on my credit file as I kept receiving alerts via I.d . Theft services, stating my social security number has been leaked on black/Market- dark web sites. After doing this my phone was stolen. XXXX would not give me a replacement phone unless I started a new line. So the phone number that I had used to place the original fraud alert with for my credit alert has changed. Because of this, my recent credit line application is on hold and my job who does a credit report pull can not move forward with my application until experian removes the credit fraud alert. I have called experian several times last week and today. Their automated system will not allow me to speak to a representative. I have had to print out and postal mail forms to Experian requesting my fraud alert be removed and phone number updated. Until then I would like the consumer protection bureau to help me urge experian to change and update other ways they can confirm someones identity besides a phone number. As we see with me to no fault of my own my phone number had to change. And now because of that my credit line application with discover bank and job application are at risk of being denied because experian does not have live reps to help me remove my fraud alert and change my phone number.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2200.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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

Received copy of my credit report. Credit report shows credit inquiry from this company. I have not authorized this company to pull my credit. Need to know how and why my credit was pulled without my consent and if any new account was opened.
Product: Checking or savings account

My card was charged at XXXX for XXXX at XXXXXXXX XXXX also they tried 3 other times at XXXX XXXX  for {$14.00} and {$4.00} but both were declined because I locked my card and the last one was for XXXX XXXX that was declined at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX intentionally and fraudulently reported 2 payments to Experian 30 days late and caused my credit score to drop 48 points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was XXXX days late and they still reported the payment 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, Everything has to be 100 % accurate on my report.

The credit bureaus stated these account : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

The minimum balance is absorbent. It's half of the bill. requested a forensic audit of the account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I will attach my letter to the bureau Aswell as my XXXX lettter that is notarized proving my case. Please remove XXXX XXXX XXXX, XXXX, and both XXXX XXXX  accounts from my report. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX