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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX XXXX XXXX XXXX XXXX. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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: Checking or savings account

Some random company charged my account in HI for {$500.00} and it wasnt me but I have other bills o paid bounce and I got charged a overdraft fee and then when I filled a complaint they refunded the {$500.00} but not the overdraft fees and it is still on my report
Product: Debt collection

I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account has inconsistencies between credit bureaus. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

XXXX I call XXXX for Tech support because I was having problems accessing emails the tech support who said he was XXXX said needed access to my computer and after 4 hours said I needed updates and would cost {$9.00} to XXXX billing so I gave them my credit card # that XXXX has on file XXXX I was notified by Western union of a charge for {$900.00} I called XXXX again said they have no record of my call to them on XXXX Only XXXX when I call them again because problem not fixed - they ended up fixing problem XXXX I call my credit co. who cancelled this card and sending new card Also credit card co said some other charge of {$320.00} for XXXX no sure what XXXX I called XXXX told of the problem that some how someone can access your tech support system - they said look into it
Product: Credit card or prepaid card

My Fidelity Rewards Credit Card account was closed by the card issuer Elan Financial Services on XX/XX/XXXX. As shown in my account statement on XX/XX/26, I have made {$60000.00} in purchases before the account was closed. Per card member agreement, I am supposed to receive 2 base points per dollar spend. I have also signed up for the 50 % bonus points via an email that was sent to me on XX/XX/XXXX. Therefore, I should have received 3 points per dollar spent ( 2 base points + 1 bonus point ). I even charged all my property taxes to the credit card and paying over 2 % fees to the county on the assumption that I would receive 3 % back from the card. 

For the XX/XX/26 statement, I should have received XXXX {$60000.00} = XXXX reward points. 
However, the statement is showing that I received XXXX points. I messaged Elan Financial Services already but they refused to credit the rewards. Elan Financial Services claimed that " Once you or we close an Account for any reason, all accumulated Points are forfeited. '' Since the account was closed without my consent and was closed after those purchases were made, it was completely unfair to consumers. Elan Financial Services closing customer credit card accounts just after they earn a lot of rewards and then refuse to credit the rewards seems suspicious to say the least. I have attached both my Fidelity XXXX statement and the promotional points email to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX, XXXX Experian / XXXX XXXX. Box XXXX XXXX, TX XXXX To Experian Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. 

DELETE XXXX XXXX XXXX XXXX because the balance owed " '' {$830.00} and the High Balance {$830.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation DELETE XXXX XXXX XXXX XXXX because the balance owed {$420.00} and the High Balance {$420.00} is the same amount. How can the High Balance be the same amount as the Original Balance? Please Delete This Violation Any inaccuracy on an account makes the entire account invalid and it must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Ive included a copy of my State Drivers License and Social Security Number.
Product: Credit card or prepaid card

I recieve Louisiana unemployment starting XX/XX/XXXX. It is now XX/XX/XXXX and I still have not yet been able to recieve a ReliaCard. I have updated my account through la unemployment And have called over 100 times to fix the address problem. I have funds available on a card I never got and still havent got.
Product: Debt collection

XX/XX/XXXX - received an email saying my accounts fell below {$25.00}. Checked accounts and noticed my accounts were levied taking {$4700.00} and having them sent to debt collectors, XXXX XXXX. 

XX/XX/XXXX - Called XXXX XXXX telling them that I was never sent any paperwork before they emptied my bank account. I also never received a call from them informing me of my debt. 

XX/XX/XXXX - received paperwork that informed me of said debt of {$8800.00}. Only after they levied my bank. 

XX/XX/XXXX - I called XXXX XXXX and had let them know that I would continue to pay my remaining debt through my wages at work. 

Since then I have not heard from them at all. 

XX/XX/XXXX - get a missed call from XXXX XXXX. I call back and they confirmed my name, but needed to confirm my date of birth. I told them I want paperwork first before continuing the conversation. They said okay we will block your number have a good day. They did not even confirm they were going to send me anything.
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 : 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 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

I recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. 
XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Debt collection

I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service

Please resolve this issue for me i m on a fixed budget these XXXX  dont answer any calls Ive been getting money orders from them since 1996. Their phone number XXXX XXXX XXXX XXXX the corporate phone number is ( XXXX ) XXXX ( XXXX # is XXXX XXXX XXXX all these phone numbers and all of them say that they will return you call and all you get is crickets zero solution.
Product: Vehicle loan or lease

I am writing to formally request the removal of an inaccurately reported charged-off account with Ray Skillman from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Ray Skillman , must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Credit reporting or other personal consumer reports

There is an Inquiry from a company called LightStream and I have not applied for anything with this company. I believe my information was stolen and utilized for the purpose of credit usage. I don't even know what the company LightStream represents. I have no knowledge of them whatsoever.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 INQUIRY NAME : XXXX INQUIRY DATE : XX/XX/2023 2 INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX INQUIRY NAME : XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 - [ ] 15 U.S.C 1691 602 A. States i have the right to privacy.

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

On or around XX/XX/2019 I disputed inquiries that were on my credit file without a permissible purpose with TransUnion via Certifies U.S. mail. TransUnion received my dispute as confirmed by the enclosed Return Receipt. TransUnion failed to investigate and/or deleted the unauthorized inquires and instead provided an explanation of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX BANK : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

Victim of scam on Venmo where the seller sends money but requests a refund and I lose out on item and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation
Product: Checking or savings account

I deposited {$30000.00} in a new checking account for my daughter 's wedding. Plans changed and when I went to close it after 5 months they said there would be a {$50.00} close fee. They also said there would be a {$25.00} fee for a cashiers check. this made me mad so I said ok just give it to me in cash. they said they did not have enough cash and I would need to call and arrange for the cash. 

I do not believe either fee is appropriate especailly since they had my $ XXXX for over 5 months nd never told me about either
Product: Credit card or prepaid card

On XX/XX/2020 I activated my Capitol One Walmart credit card and I made a {$200.00} payment on the account so I could make XXXX shopping. They automatically reported my card as fraud/stolen. I called XX/XX/XXXX I spent over 1 hour waiting to be connected and to solve this issue. First attempt they sent me a code via text. I sent them the code and supposed to unlock it. Never happened. XX/XX/XXXX I called back i sent pictures of my drivers license they still refused to unlock my account. About a couple days later I tried now they wanted proof of income banking information pictures of my social security card. I believe they tried to scam me and or are scamming Americans bc they sent our calls to XXXX. Capitol of the scamming world. I want my account resolved closed or opened. I pay my bill every month. This has to be against the law somehow someway PLEASE PLEASE PLEASE help me
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. XXXX XXXX XXXX XXXX why are you reporting my balance to Experian, XXXX, XXXX? My XXXX Scores has dropped with Experian XXXX Points XXXX XXXX Points XXXX XXXX Points. This wasnt the first time this ongoing problem my previous complaint number XXXX. Abuse of access to customers private credit reports. 
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.