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

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I Am A natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Account name : XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX ONLY ADDRESS SHOULD BE ON MY CREDIT IS THE ADDRESS REPORTING.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX and XXXX XXXX allowed someone to apply for a loan while my credit was frozen at the credit bureaus due to existing fraudulent transactions. Velocity Investments purchased this loan and notified me via phone and through the mail months after the debt was sold. XXXX won't take the fraudulent loan back and Velocity Investments wants me to pay the loan back stating that I have no rights for arbitration, disputes, and I am unable to seek punitive damages based upon an agreement I never signed.
Product: Credit reporting

A credit repair company I hired disputed an account that should not have been disputed. The creditor placed a comment on my report stating consumer disputes this account on all of my credit reports. I have contacted the creditor several times stating that I do not dispute the account and the will not remove the comment. I have also tried going through the XXXX. The creditor still refuses to remove the dispute language - and I have stated several times in writing that I do not dispute this account. The dispute language is incorrect. I told a representative that I do not dispute - that the dispute was incorrectly filed by a credit repair company. The representative told me " too bad '' and that they will leave the language on my report.
Product: Checking or savings account

XXXX XXXX, My name is XXXX XXXX and have an issue with Capital One 360 checking account. 

I was a client with a Capital one 360 checking account. 

I was a victim of a fraudulent transaction and ended up depositing a check in the bank due to which my account was closed by the branch with immediate effect. A check with the remaining balance was issued by Capital One and I was advised they do not want to keep any relationship with me. I have not received the check yet. 

I informed the bank that I was a victim to and not a person creating the scam and it was a huge accident that happened due to which the check was deposited. 

The bank advised me I could not have any relationship with them and closed my account. 
My question is what are victims of fraud supposed to do for no fault of theirs? Federal law only says banks can close the account for reasons but nothing like victims of fraud. The amount was a basic {$1800.00} and not a XXXX of dollars. 

I did explain my point of view to the Capital one staff, They kept giving me stereo-type answer there is nothing they can do it's all decided by the head office. 

Can someone please look into this, As the reply honestly seems inappropriate as I am a victim of fraud and not a scamster, and the closing of this bank account causes me a lot of inconveniences. 

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

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # Beginning in 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
Product: Debt collection

National Credit Systems showed up on my credit report this month. 
I never received any initial contact ( phone call, email, etc. ) that I even owed a debt. 

I could have resolved this prior to it going to collections.
Product: Mortgage

Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( XXXX ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased my payment and my rate. 
I already sent all the information requesting a Loan Modification. They are delaying and they have not responded to my request for Loan modification even though I already sent all the information.

They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt.

This time I should be helped since I am the home owner. As the FHA guidelines suggest.

My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX XXXXXXXX XXXX See pictures. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch XXXX XXXX. 
I am attaching the documents that prove the statements I declared : Attachment I. - XX/XX/2021, Sent the paystubs that you required. 
Attachment XXXX. XX/XX/2021. Sent ALL the documentation including application everything included in the email. 
Attachment XXXX. XX/XX/XXXX Official Loan Modification request. 
Attachment IV. Pictures of my XXXX XXXX 
I have not sent anything else after XX/XX/XXXX ; therefore they claimed that I completed until XX/XX/2021 that is not correct. And I still have not received resolution on XX/XX/2021. I am being blocked from getting the low rates. 
Mortgage companies have resources that home owners do not have. I am requesting you a decrease of the rate as it is suppose to help the home owner. The delay is causing that I can not take advantage of the great low mortgages. I need help!!! 
If you would require more information or clarification, my email address : XXXX, please do not hesitate in calling the XXXX ( XXXX ) XXXX XXXX. And if we miss your call please leave us a message. 

Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

I was going through financial hardship momentarily & contacted the credit card company to work out a payment plan and an extension. The extension was not granted and at the time I didnt know who to contact for help getting an extension or disputing the unfair judgment against me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Transunion 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 or other personal consumer reports

Contacted the following companies and explained to them that the account is fraud also notified XXXX, XXXX and XXXX that the accounts were products of identity theft asked them to provide proof that the accounts actually belonged to me and the following companies failed to remove the items that are negatively affecting my credit rating and never provided and proof or correspondence. 

XXXX XXXX Kay Jewelers sold to credit collection agency XXXX sold to collection agency XXXX XXXX The companies do not take identity theft seriously and do not help consumers instead they create financial hardships and dont thoroughly investigate valid claims.
Product: Debt collection

My check has been garnished and debt almost completely paid. XXXX XXXX Was told debt was from an account with XXXX  XXXX XXXX. That bank closed in 2008. I have no idea what debt is for. I filed bankruptcy in XXXX. Tried to do paperwork to have someone explain to me why I owe this and filed wrong paperwork. Tried to hire an attorney and paid for legal work that has not been done and no refund issued. XXXX $ there. Almost XXXX in 2 months over XXXX ... .still no answers.
Product: Credit reporting

I am filing this complaint Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the thirty day mark and has not and will not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter in a timely manner for it has cause me a great deal of pain. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you immediately block and remove the following negative items from my credit report : Account Name : XXXX XXXX XXXX XXXX Potentially negative months Account Number : XXXX  Account Type : XXXX XXXX Date of Account : XX/XX/XXXXXXXX  Open/Closed : Closed Status Account charged off. {$420.00} written off. {$120.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Type : Debt Buyer Date of Account : XX/XX/XXXX Status : Collection account. {$2200.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account type : Collection Date of Account : XX/XX/XXXX Open/closed : Closed Status : Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX  The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. In accordance with the Fair Credit Reporting Act, I am entitled to have this information blocked and removed immediately from my credit report. Enclosed, I have provided the following documentation to verify the identity theft : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A copy of an identity theft affidavit. 
Proof of residence, such as a utility bill or bank statement. 

A copy of the relevant sections of my credit report, highlighting the fraudulent items. As stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), you are required to block the reporting of these items within four business days of receiving this notification, and I expect that my credit report will reflect these changes promptly. Please send me written confirmation once these items have been blocked and removed from my credit report. I look forward to your prompt resolution of this matter. 
Thank you for your attention to this urgent request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

hi thanks for this service the problem is with Paypal I was working on XXXX until PayPal limited my account for 180 days ( that's what they say ) because so far I have {$1400.00} blocked in my account after 18 months of the last transaction I have included a screenshot ( they say 6 months you will be able to withdraw ) The problem does not allow me to add a bank or visa to withdraw I have contacted them a hundred times without any response or effective solution
Product: Payday loan, title loan, personal loan, or advance loan

Happy Money took a second payment out of my bank account for the month of XXXX without my permission. I have been trying to get my money back for several days now and keep getting the run around and told different timelines on when I will receive my refund. My normal payment was scheduled for XX/XX/XXXX, I noticed on XX/XX/XXXX that I had another payment pending from my bank account on XX/XX/XXXX. I then logged into their app to notice they were attempting to take 4 payments for that day. I immediately called them and was told they were having some sort of technical issue and they would send in a rush refund for me. As of today, XXXX, I still do not have my money back and can not get a clear answer on when I will receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you, when I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.I 've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. As required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. Every ( XXXX ) shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX, Trans Union immediately. 

XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX $ XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX
Product: Checking or savings account

I attempted to place a wire for {$5000.00} through the website for the bank on XX/XX/XXXX and got an error message twice, due to the urgency of the payment I payed via another method. I was surprised to find on the XXXX that 2 wires had gone through for a total of {$10000.00}. I promptly called the bank and was told it was a problem with their tech platform and that they would issue a recall for both wires. I followed up several times with them as this was a large amount and each time the specifically confirmed that both wires had a recall placed. Finally on XX/XX/XXXX {$5000.00} was returned to my account but the second wire of {$5000.00} was not refunded. I called the following week to ask about the second recall after the first had been issued and the agent let me know that it was still processing and that I just needed to wait. When I called again on XX/XX/XXXX I was then informed that the second wire recall that was mentioned in all the calls and the one I specifically confirmed and inquired about in multiple calls was never placed. That if I didn't make that call and had simply waited as instructed I would have never received back my money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal data has been used and purchased through the check system
Product: Debt collection

My credit report reads a XXXX balance and I am still being contacted and harassed by mail for payment of this debt.