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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION XXXX of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section XXXX of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} Account Name : XXXX & XXXX XXXX Account Number : XXXX Highest Balance : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a correspondence from XXXX XXXX XXXX XXXX, indicating that I owe {$60.00} dollars to PayPal. This is not accurate as I have attached my recent transactions with PayPal. PayPal has been informed of this and this company has been continuously contacting me. Furthermore, I have also requested XXXX to investigate this fraudulent transaction.
Product: Credit reporting or other personal consumer reports

I have a closed account from Citibank on my credit report with a balance on the account. I do not even have a card with this company anymore. I have tried to call Citibank several times since XXXX of 2023 to get this resolved numerous times Im not sure why the account has a balance since the account is closed the balance is XXXX dollars about to be 90 days without being pd but this balance is not my responsibility. This account is closed. This balance is not my responsibility as the account is closed this is their error and they keep saying its fixed yet every month its showing up on my credit report looking unpaid like its my balance abd responsibility Ive also disputed this to the credit bureaus but to no avail. I continue to call Citibank every week almost to get this resolved. They tell me allow time for it to be resolved and it still is not. This is messing with my credit score Ive asked them to remove this several times and have reported this several times to the three credit bureau agencies and this still is not fixed or removed from my credit report. I honestly dont t know what to do anymore as this keeps going in circles since XXXX of 2023.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Thank you for your understanding and prompt action.
Product: Student loan

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. XXXX they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me XXXX years to get to XXXX and now I'm back at the bottom again
Product: Debt collection

The company does not respond the proper way. If you send the info to company they will continue to do the same thing which does not verify my debt. They are abusing the system.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. 
Case law in XXXX vs. Trans Union, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. 
I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested delete on the following accounts XXXX ACCOUNT NUMBER XXXX. 
XXXX  XXXX XXXX ACCOUNT NUMBER NOT REPORTED. 
XXXX  ACCOUNT NUMBER XXXX. 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX. 
XXXX XXXX ACCOUNT NUMBER XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial reported my auto loan 30 days late to all XXXX credit bureaus for the month of XX/XX/2023 this was in regards to a payment for XX/XX/2023 that I made 29 days late and they reported it as 30 days late inaccurately. I have reach out many times only to be given different information. I disputed this directly with ally on XX/XX/XXXX reference number is XXXX I was told this would be resolved in 45 days I called back a few weeks later for an update I was told they did determine an error and were aware and it would be removed and its still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to XXXX XXXX TransUnion I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with TransUnion with the XXXX at this time is this a comeback on me for disputing them .I feel they play games with consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/2022 the supervisor XXXX stated she could not remove any information from my consumer report without out permission of the lenders I stated that she was in violation of the Fcra 15 usc 1682 ( b ) EQUIFAX didnt not exercise their grave responsibilities with fairness impartiality, and respect for the consumers right to privacy. 
She is also in violation of FCRA, 15 U.S.C. 1681S-2 ( a ) ( 1 ) ( A ). This prohibition is reinforced in subsection ( 1 ) by the prohibition against furnishing inaccurate information after notice of actual inaccuracy from the affected consumer. 
XXXX also stated she knows Im the original creditor but she proceeded to violate my rights this company never had permissible purpose and never was instructed to furnish or create a report I never gave consent for to the reckless and unfairness of my consumer report I am seeking litigation due to the incompetence of this company and withholding my information in which they are not supposed to have They have violated my rights and also my privacy due to the fact that the information is inaccurate pursuant to 15 usc 1681c ( a ) ( 5 ) only criminal convictions of crimes which antedates the report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my wallet was stolen. It contained my credit cards, debit cards Drivers License and Social Security Card. I canceled the credit cards, got a new drivers license and social security card. Upon reviewing my credit reports, someone has been applying for credit cards several times in my name creating fraudulent inquiries. Luckily, it looks as though only 1 account was opened in which the bank immediately closed and the credit angenies took off of my credit report. However, all of these fraudulent inquiries remain. I have taken all the necssary steps including sending a dispute to the credit reporting agencies ( all 3 ) by certified ( Priority Mail ), filing a police report with the XXXX Police Department, that should be at the agencies no later that XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 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 ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed a new credit inquiry on my credit report. I promptly contacted NetCredit, the lender on my report, about the inquiry and stated that it was not me and that I have been victim to identity theft. NetCredit then gave me some instructions to follow up with. They asked that I provide a letter stating that I did not apply for loan and a police report of the situation within 7 days of the notification. I provided that information 3-4 days later. Since that XX/XX/XXXX date I have emailed numerous times about the status of my claim and have received nothing of any value. Generally, I will receive an email along the lines of " Fraud Dept is investigating '' with no additional information. I have tried calling customer support and have been disconnected and other times not able to reach anyone. It is nearing a month since I initially informed NetCredit of the fraud and I have not received any meaningful information regarding the status of that claim.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contaced Equifax and XXXX regarding my hard and soft inquiries, and they refused to do anything. XXXX stated again, they do not follow US federal law and only their company policy! Which have violated my privacy! 


The list of accounts below has violated my federally protected consumer rights to privacy by obtaining a hard inquiry and soft inquiries : XXXX-Has violated my rights to privacy Equifax-Has violated my rights to privacy XXXX XXXX XXXX  Usa- XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

The card in question is my XXXX XXXX XXXX XXXX card. 
In XXXX of this year, I was charged {$94.00} that were not my charges. I contacted Chase and they recognized that the charges were indeed fraudulent. So, they deleted those charges, and it seemed at the time the issue was resolved. 
The problem begins when my XXXX statement included those fraudulent charges again. 
I called the consumer services department, and they transferred me to their fraud department, I explained the situation and they acknowledged those fraudulent charges. 
In fact, they advised me that they collected those fraudulent charges from the vendor. 
After several days and " several '' more calls those charges were still on my account. I called multiple times more to no avail. Now those fraudulent charges are on my XXXX account again. Not only on my account but they are now charging me interest on those fraudulent charges. 
HELP!
Product: Mortgage

in 2022, PHH mortgage double paid the property taxes. Then they hit me a negative escrow charge & I lost the interest income that would have come had they not made a mistak. PHH mortgage did not service my loan and failed to catch & correct their mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

Account : XXXX XXXX XXXXXXXX Open/closed Closed Date opened XXXXXXXX XXXX XXXX  Account type Credit Card BY XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( XXXX ) 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 war sever 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I write this complaint I am so angry that I can hardly stand it. I have just spent one whole afternoon trying to get a temporary unfreeze on my credit. XXXX and XXXX were very easy. Experian is almost impossible. I tried multiple times to go through the process from my phone. At the end each time I was told it could not be completed. The same thing happened with multiple attempts on their website. It was impossible to speak with a human. I had to gather paper documents and then scan and email them. I can only hope someone actually does what I asked. After reviewing online forums for other complaints about Experian I am not encouraged - they are universally despised.I have had this problem with them before. This company controls our lives and acts as if it doesn't care whether it damages us or not. It is my understanding that you regulate them. I ask that someone take strong measures to force them to treat their CAPTIVE "customers" (actually, we are just merchandise that they sell) fairly and with respect. We  did not hire them, cannot fire them, and cannot escape from them. You are the only voice they answer to. PLEASE use your authority to bring them into line.XXXX XXXX
Product: Mortgage

ALLY Bank  has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid.     I need support in removing this lein.     Account  Number  :  XXXX  Please call or email anytime.   Mobile :  XXXX  email :  XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A, states I have the right to privacy.

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

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX 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

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Debt collection

Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files