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

XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX RE : Account # XXXX XXXX XXXX Alleged Amount Owe : {$5600.00}, Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00} In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have 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 the information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

After removing the inaccurate information from my credit report, please send me a credit report update in 15 days from date of letter. 


Respectfully, Thanks Account Name : XXXX  XXXX Alleged Amount {$5600.00} Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00}
Product: Credit card or prepaid card

After paying off my balance XX/XX/2021, Capital One charged me interest on a {$0.00} balance on XX/XX/2021, with no notification between XXXX and XXXX that there was a balance on my account. I had also not checked back to that account because It had been paid in full and not used again after. Due to this it caused the credit bureaus to flag delinquency in payment which dropped my over XXXX credit score to close to XXXX. I disputed this with all 3 credit bureaus in which 1 gave me back almost 50 points ( XXXX  ), one gave me back 30 points ( XXXX ), but only a slight bump for the 3rd ( XXXX  ). The same day that the disputes were being resolved, Capital One also decided to drop my credit limit in half ( {$10000.00} to {$5000.00} XXXX due to delinquency reported by the credit bureaus. This is very questionable timing given the delinquency was originally reported by Capital One therefore showing they already had knowledge of the balance, but also provided NO PRIOR NOTIFICATION of the charge or continued open balance for me to review before it drastically effected my credit.. 

Prior to this, I held a 100 % payment rate with Capital One and all other institutions in which I held debt, with this account being my oldest line of credit as a member for almost 9 years. In that 100 % payment rate I have paid off MUCH higher balances ( that I actually charged ), so to be punished this highly for an interest charge that I was not even notified about is highly disappointing. I tried to contact Capital one to have this fixed in which they told me there was nothing they could do, and basically it is what it is but it will be gone in 4 years. 

This is a form of fraud on the side of the institute ( rather than an individual ) and it should be known by all consumers that the company conducts business using unethical practices knowing the leverage it holds over consumers. I do not deserve to have my exceptional credit rating drop to fair/good when I wasnt notified of being charged and all indicators showing that had I known it was there, it would have been paid.
Product: Prepaid card

My card/account was lock, and according to an email i got was because of unuasual activity and i was asked to call the XXXX #. After i did they dont even know why my account doesnt work and was told that it will be scalated to a diffrent department and it would take 24hr-48hr. That was on XXXX/XXXX/2016 when i frist called, it is now XXXX/XXXX/2016 and when i keep calling they keep telling me the same thing. Not to much urgency in fixing the issue or letting me know what happen.
Product: Bank account or service

A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Bank of America. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Bank of America also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings account.
Product: Mortgage

Regions Mortgage is frauding checks to me. they are sending me Escrow Payments from my insurance company for hurricane Ida repairs. Regions had mailed checks twice pay to order of wrong payee. called on XX/XX/XXXX and no response or solution. I'm suspicious they are stealing my money. the current escrow amount is {$240000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

This complaint is a part XXXX to my Ally Bank complaint. There have been new developments. Red flag number XXXX From XX/XX/year> through XX/XX/year> I spent roughly {$14000.00} at XXXX XXXX. I disputed these transactions, and was given just short of {$12000.00} in credit from XXXX, as well as provisional credits from Ally Bank. They are trying to claim that I was double credited, and have my account sitting at almost {$5000.00} in the negative. In that month and a half they used three different names to process these payments red flag number two. There was XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and lastly XXXX XXXX XXXX XXXX XXXX. It doesn't take alot of brain function to look at these transactions and conclude that I'm not playing XXXX XXXX for fun at my local arcade, especially when the mcc code used for these was XXXX, XXXX, as well as XXXX. On XX/XX/year> I paid for my auto insurance. This payment was presented to Ally Bank on XX/XX/year> while I had sufficient funds. I will attach a phone call with an Ally Bank supervisor where this is found and stated. On XX/XX/year> they informed XXXX that my account was closed and they would not honor the payment. Instead they sent me a check for almost {$900.00} that was the remainder of my balance on XX/XX/year>. They didn't have a problem funding offshore gambling, but must have taken a disliking to paying my insurance premiums? There was a hail storm on XX/XX/year>, and both of my vehicles that would have otherwise been covered were damaged. I am left with no coverage because they can't act responsibly. I have video of the storm from my surveillance cameras. It's to big to load here.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute a XX/XX/XXXX mishandled payment with XXXX XXXX 

In an possible act of retribution or discrimination, XXXX XXXX has sent an false/ inaccurate report to Experian XXXX The loan balance has been inflated to {$48000.00}. Also an other false notation is that they now report both the XXXX and XXXX payment as late. Attached will be information showing my loan balance in XX/XX/XXXX as being XXXX. How does a loan balance increase? My amortization schedule should show the balance going down about XXXX dollars every month not going back up to the $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which are 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. The following items are inaccurate and should be remove immediately : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX  Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$45000.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit card or prepaid card

I call the number twice XXXX XXXX, not helping ( The said an investigation but I assuming they are the one who address opened up in my credit report with/or XXXX. This number is refence in twitter in the official Ask Citi account. Info : Ask Citi @ XXXX XX/XX/XXXX Replying to @ XXXX Our escalations team would like to you to call this number : XXXX between XXXX ET for proper verification. XXXX  This is the disputed address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, is not mine. Account info : BEST BUY/CBNA XXXX {$3600.00} {$37.00} Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX High Balance {$3600.00} Credit Limit {$4000.00} Pay Status Current ; Paid or Paying as Agreed Terms {$37.00} per month ; paid Monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Checking or savings account

Money was taking out my account and i told cash app and they never did anything about it
Product: Checking or savings account

Hello, XXXX XXXX, I have an XXXX XXXX XXXX XXXX, and we exchange services with other companies for that reason every month for the services rendered we send a wire payment to those companies. These companies are XXXX XXXX  companies as well and based out of XXXX. 
XXXX of the wires for the amount of {$9200.00} was initiated on XX/XX/2021 from my business account and until today there are no whereabouts, The banking service I'm using is Wellsfargo and I keep calling them every day for the past XXXX days, and until today they have no resolution and that's very frustrating as the amount is quite huge. 

Please help me here as they keep bouncing me from XXXX department to another and keep assigning different case numbers.
Product: Money transfer, virtual currency, or money service

PayPal refuses to give me my {$1000.00}. They have placed it on hold and have marked my account as risky without any evidence to suggest their claim. All of my customers received their items and as described ( all orders are tracked and were delivered ). I was able to receive my first payment of {$1300.00} but they refuse to give me my remaining held funds. I am told I have to wait 180 days and then will be given instructions on how to withdrawal or transfer my funds. They have permanent disabled my account. I need my money now, not 180 days from whenever they think I can have it. It is not their money, it is mine. They can not tell me when I can have my money. My buyer paid me {$2300.00} on XX/XX/2023. On XX/XX/2023 my deposit transfer of {$1300.00} was completed. My {$1000.00} is currently being held from me. I can not afford to have this withheld for 180 days. I have messaged PayPal daily demanding my money be released immediately.
Product: Debt collection

There is a charge on my credit report for XXXX, XXXX, and XXXX. This debt of XXXX does not belong to me. During this time frame the account was opened someone broke into my mailbox. I have been a victim of identity theft. Please advise these companies to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, I and am requesting this debt be removed immediately. I am writing to request that XXXX, XXXX, and XXXX  to provided the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please provide evidence your authorization to do business or operate in this state. 5. Please provide evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
. I am requested this debt be removed because this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Payday loan, title loan, or personal loan

Asking Advance America to work with debt relief company XXXX XXXX XXXX about negotiating a solution for a payment plan. XXXX  XXXX is handling my debt problem and all phone calls need to directed toward XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting

I got the Transunion free credit report, which took a lot of work, then I had to leave and when I returned several hours later, it said I had to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : 1. Alabama department of human resources 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 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 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

Good Morning, I had a medical collection added on to my report back in XXXX of 2021 which I paid Immediately. The account is correctly noted as closed and settled but did not return any points for having been paid. When it was added, XXXX points was removed from my credit score and none were returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know it would affect my futures credit deals, I would like it to be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, I've also a victim of the XXXX data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with transunion to do so. I always have a problem viewing my credit report with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts are constantly being reported to the credit agencies inwhich I'm disputing due to the fact they're not mines. I'm within my consumer rights to ask that you the credit reporting agency to block the following accounts from my report. The accounts are XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.