23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I explained why I could not pay any minimum payment to this credit card company. Yet I received robo calls even after blocking them. I also keep receiving emails but can not unsubscribe from them. I asked them via email to cease and desist. 

I have a Delta American Express card as well as a XXXXXXXX XXXX  American Express card.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 12 Missed Payments {$0.00} DEPT OF ED/XXXX Student XXXX XXXX, XXXX Closed 8 Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed 3 Missed Payments {$460.00} XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$670.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 1 Missed Payment {$7300.00} US DEPARTMENT OF EDU Student XXXX XXXX, XXXX Closed 2 Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}
Product: Debt collection

Debt was paid in full, at time of service. Received another notification of balance, via postal service, paid in full again at that time. Made attempts to verify debt with medical provider, which went unanswered. Debt sent to collections, which was disputed to no avail. Date of original debt would not be possible due to relocation of residency. Collections still attempting to collect on this debt. Willing to pay a third time, but still dispute this debt and feel it would remain unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX _XXXX  XXXX XXXX XXXX XXXX _XXXX  XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX _XXXX  XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX  report ) _XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX _XXXX  XXXX XXXX XXXX XXXX, DE XXXX _XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX **Employment information XXXX ( XXXX  XXXX  report ) _XXXX XXXX ** Hard inquiries : _XXXX _XXXX  XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Violation of FCRA 15 U.S. Code 1681b Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the permissible purposes of consumer reports, specifically under 15 U.S. Code 1681b, by XXXX, Experian, and XXXX. 

On XX/XX/year> I discovered that my consumer report was accessed by XXXX on XXXXXXXX XXXX XXXX  without my written consent. Also Experian, accessed my report on XXXX, XXXX XXXX without my written consent as well. These companies are clearly in violation of the Fair Credit Reporting Act. As per the FCRA, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which do not include access without the consumer 's consent. 

I would like to emphasize that I did not authorize any of these inquiries, nor did I provide written consent for my credit report to be accessed by these parties. This breach of my rights under the FCRA is concerning, and I request that you investigate this matter promptly. 

I would like response to this letter and an update on the actions taken regarding this violation. 

Thank you for addressing this important matter. 

Sincerely,
Product: Credit card or prepaid card

I received a voice phone message today stating that my Amazon card was compromised and there was a charge for {$340.00} that they put a hold on. I was to press 1 to talk with the Amazon Fraud Dept. I called the number on the back of the card and was advised it was a phishing expedition. the call came from XXXX and the male on the phone said his employee ID was XXXX ( hard to hear ). Thanks for checking into this-tons of these calls all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost you can not prove this alleged debt is mine. I asked you for my proof of a signature showing me I signed off or agreed to paid this alleged debt. I also, asked for a purchase agreement from your company showing me proof that this alleged debt is mine. You has failed to provide me with complete evidene on you process and company procedure. I never had an account with XXXX this account is not mine. Please delete this inaccurate information from my credit report since you have not proven this debt below to me. I am also, asking you for 1 ) Purchase agreement with my signature. 2 ) MASTER BILL OF SELL. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 4 ) No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.
Product: Debt collection

This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again on XX/XX/XXXX around XXXX XXXX not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED POLICE REPORT TO EXPERIAN and   XXXX   SEVERAL OCCASIONS AND DISPUTED ACCOUNTS IN   XXXX   THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY  RE  APPEAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH EXPERIAN IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  XXXX  DAY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My credit score is important to me. I have a legitimate concern regarding the inaccurate information on my credit report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard-inquiry was placed on my Transunion credit report today by  XXXX   (   XXXX  ) with the address P.O.  XXXX   XXXX ,  XXXX   XXXX , SD  XXXX  which corresponds with  XXXX  's address. I contacted Transunion ( the sole credit reporting agency which provided the hard inquiry to  XXXX  ) and they said I would need to get a letter of deletion from  XXXX  to forward to Transunion which is the only possible way I would be able to get the hard inquiry removed. I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and  XXXX  said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted Transunion again to let them know what  XXXX  said and Transunion once again said they can not remove the inquiry without a letter of deletion from  XXXX . I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to  XXXX  's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number.  XXXX  's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears  XXXX  pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Inquiries on Credit Report XXXX  ( Finance ) XX/XX/2022 XXXX  XXXX XXXX  ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Credit reporting

experian is reporting incorrect information on my credit report. I tried to re-dispute information that is incorrect and the system will not allow me to do so. My report number is XXXX. First they will not correct XXXX accounts with XXXX. These XXXX accounts are reporting as discharged through chapter XXXX bankruptcy. This is FALSE information as I NEVER filed chapter XXXX bankruptcy. This is having a very negative impact on my credit score with this wrong information. I contacted the original creditor and keep being told that it is confirmed that I never did chapter XXXX bankruptcy with them and it will be corrected. I reported XXXX to the XXXX and received a response from the XXXX that they never responded. I am complaining about this because it is ruining my name and my credit worthiness having this false information on my credit report. Also capital account acct # XXXX is reporting an incorrect balance. The collection agency has agreed to delete this from my credit report. I submitted a dispute with experian in regards to this and received a response it has been verified. This is also incorrect so I tried to re-dispute it again and again the system will not allow me to do so. It says that I already previously disputed it and they will not allow another dispute. This is completely wrong as well. Experian is ruining my credit score with incorrect information that they refuse to do a proper investigation. This is causing me a hardship in obtaining credit.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. ( XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report.
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, XXXX XXXX Equifax by mail requesting my credit report and detailed information from my credit report due to me having identity theft previously. I sent them mail on three different occasions XXXX XXXX XXXX XXXX XXXX. They all responded and said they will take no action because its not me. Ive attached my Drivers Licenses & Proof of Address with letters. 

I called XXXX today XXXX XXXX XXXX  EST, and spoke with Representative XXXX and she told me she gets this call a lot and an automated systems reads letters and decides no real person reads letters. She had to escalate my issue. I was escalated to Supervisor XXXX who states I can request information by mail that I can do it over the phone and he said TAKE IT OR LEAVE IT. I told him FCRA states I can request my information and I want it sent my mail I dont want to dispute over the phone due to fraud previously. He said I cant get it and thats the law.
Product: Money transfer, virtual currency, or money service

I had XXXX  money to an account by mistake & I did not receive my money back.
Product: Checking or savings account

Vystar has started updating their systems-supposed to take a very short time to complete... however it has now been several days! Starting XX/XX/XXXX. 
No access to MY money unless I drive to Vystar everyday which I am unable to do at this time unless Vystar wishes to compensate me for gas.I went to Vystar XX/XX/XXXX and was only given a printout through XX/XX/XXXX. My card along with my sons debit card, has been declined when there is supposed to be money in our accounts. I attempted to buy a XXXX at the hospital when my grandchild was sick and my card was declined for $ XXXX-how RIDICULOUS! Luckily I had my wife 's XXXX debit card and was able to buy something.They keep saying on social media that our money is safe and accurate-how do we know if we can't look at it??? Do we just accept their word for it?? When I have been able to use my Vystar debit card, it has been blindly-I have no idea of my balance. I have upcoming bills to pay and I need to be able to 1 ) go back and check to make sure my acct is correct since XX/XX/XXXX 2 ) I need to be able to see my balance, my deposits and deductions. We are no longer in the 70 's or 80 's when our parents used a check book register to keep up with our money-If I had known this would turn out like like this I could have gotten a print out of everything BEFORE they started their updates on XX/XX/XXXX so my life wouldn't be so difficult now. In this time, almost everyone does online banking so what happens when we are basically restricted from our money?? I know Vystar thinks it's no big deal, just drive to your closest branch every day or your closest ATM. But why? Why??? I have been with Vystar for a long time but it looks like I will have to look at other banking options just to pay bills!! And that means, I have to not only change my direct deposits for my wife ; s employment but for income taxes also. Why is it okay for Vystar to be this incompetent but we have all the stress and burden?? Also, Vystar tells everyone to use XXXX XXXX, well guess what? XXXX XXXX doesn't work either. Myself, & children have tried. Check out Vystars posts on XXXX and you will see other people who have the same issues and complaints.Please check out interview with Vystar executive XXXX XXXX who also sits on the board for XXXX who is the company that was hired to do this hot mess of a update for Vystar, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation. 

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 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 ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a hard inquiry on my Equifax report from Equifax XXXX. I do not live in XXXX and did not apply for credit. I called Equifax XXXX and was informed that XXXX XXXX  ( XXXX ) was the originator of the hard inquiry. There is no address or phone number for XXXX XXXX. Equifax directed me here to fill out a report then mail to them.
Product: Debt collection

SunTrust unlawfully towed my vehicle. 
SunTrust acknowledged towing by vehicle, without having ownership rights to the vehicle. 
See their response to complaint # XXXX While they believe they are exempt from damages from the release waiver signed to retrieve vehicle, the tow was unlawful. 
Moreover, the document they provided from the third party tow company was altered to remove comments made about not attesting to the condition of the vehicle. 
Fraud can not be used as justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid since XXXX and they are still reporting that I owe and its past due. Which it is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW financial services is furnishing my financial information to credit reporting agency without my consent written agreement. 
Such violates my right under 15 USC 1681 Section 604 ( a ) ( 2 ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 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. 

I have never given instruction to BMW financial to furnish any credit report agency any of my financial information
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a weird response from Lexis Nexis. They stated they are not held to the FCRA - which is laughable. There are 100 's of case laws I found where Lexis Nexis was sued and loss under the FCRA. Some of those cases are ; Smith v. Lexis Nexis ; Graham v. LexisNexis ; Berry v. Schulmar ; Spokeo Inc V. Robins ( class action suit LexisNexis loss which the judge clearly stated : " LexisNexis has no free pass from FCRA liability. '' They did not respond to my request in the required 30 days ; thus, the bankruptcy information must be deleted under the FCRA which they have to honor by law. To write a letter stating they are not under FCRA law means either whoever responded does not know the law or they are trying to skate around the violation. They failed in compliance under the FCRA ; thus, the bankruptcy must be deleted from LexisNexis. My next step is FTC, and AG compliments if not resolved.