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

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # are XXXX, XXXX. 
I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

On Thursday night, I received a notification that some of my cryptocurrency was sold from my Binance US account without my knowledge or consent, and the money from the sale disappeared from the account. There were no unauthorized logins to my account and no record of any transfer of cash out of the account, so my account wasn't hacked or compromised- the money was stolen by Binance US. When I reported it to customer support, they locked me out of my account and started stonewalling on any communication about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Product: Vehicle loan or lease

I am writing to credit acceptance corporation to formally dispute a collection in the amount of {$4.00}, XXXX Date opened XX/XX/year> the validity of the debt collection notice I received from this agency regarding an auto loan. They are in violation of 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subiect to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a - Definitions ; rules of construction. I immediately began investigating the matter, as I have no recollection of this debt nor any agreement with the original creditor. After thorough examination of my records, I have not found any evidence of such an obligation. Please be advised that I am prepared to defend my rights and interests vigorously. Should you fail to provide the requested documentation or continue collection efforts without proper validation, I will not hesitate to seek legal counsel to protect my rights under the law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX  Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Account # : XXXX Balance : {$610.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXXXXXX XXXX Account # : XXXX Balance XXXX {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed DEPT OF ED/XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX Account # : XXXX Balance : {$2800.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX Account # : XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Status : Open DEPT OF ED/XXXX  Account # : XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX Account Status XXXX Closed XXXX XXXX  Account # : XXXX Balance : {$610.00} Date Opened : XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRES Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting my wrong monthly payment amounts and its effecting my credit.
Product: Credit card

On XXXX XXXX I ordered XXXX email cards for {$40.00} each. I also ordered another to be sent to me at My XXXX XXXX XXXX. To date I have seen nothing. I called again today and was told today it takes several days to credit back for the XXXX cards that were to be emailed. Then I was told that they had sent me a response with a gift. I think the one sent to me at my XXXX XXXX XXXX coming. Howere I havent received a credit for the XXXX {$40.00} ecards.I am now very upset as they were for a friends birthday and XXXX. Also I didnt received any email about it with a gift? I want my credit for the {$40.00} email certificates. She has now missed using them for sales etc. I called today and the girl said she had to transfer me to a different dept. but instead we were cut off. I hope you can help me with this. I have called and last week they said my credit would appear in XXXX hours. Nothing at all. 
I appreciate your help. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Date- I have wrote XXXX  , Transunion and XXXX  regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However Transunion and XXXX  continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- TransUnion has XX/XX/XXXX and XXXX  has XX/XX/XXXX. It is obvious XXXX  has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, Transunion has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

Kohls refuses to apply a credit receipt to my account in the amount of {$70.00}. See attached credit receipt and the current account history. I've tried three times to have an agent assist me, to no avail. The third time, I requested a supervisor and was abruptly disconnected.
Product: Credit card

There were several accounts opened in my name including a PayPal credit card account a pay overtime account. I did not open any of these accounts. Living in our home. Under a false name. This person was opening up an accounts using the accounts until he couldn't pay for the accounts. we had no idea. He used my fathers identity as well. It is from my understanding he had fake bank accounts as well. I do not have a PayPal account or any PayPal accounts. One account ending in XXXX has a balance over {$2000.00} Another PayPal account has a balance over {$4000.00}. Please close all accounts. This person also opened a XXXX  account with my name on it. I was able to contact XXXX and get access to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX on XX/XX/XXXX 9. XXXX XXXX on XX/XX/XXXX 10. XXXX XXXX on XX/XX/XXXX 11. XXXX XXXX on XX/XX/XXXX 12. XXXX XXXX on XX/XX/XXXX 13. XXXX on XX/XX/XXXX 14. XXXX XXXX on XX/XX/XXXX 15. XXXX XXXX on XX/XX/XXXX 16. XXXX on XX/XX/XXXX 17. XXXX XXXX on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with  XXXX , Transunion, and  XXXX  in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  XXXX  bankruptcy court. I sent a letter to the  XXXX  Bankruptcy court on   XXXX   XXXX   XXXX     and they sent me a letter back stating that the  XXXX  Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work with the bureaus directly. I Then sent a letter to  XXXX  Transunion, and   XXXX    on   XXXX   advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX , Transunion, and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  XXXX   XXXX . The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the  XXXX   XXXX  and they told me the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX to inform them of the inaccuracies and erroneous information be provided by the consumers reporting agencies. They told me that the inform that they have no information on my rental history. Case # XXXX ( file year XXXX ) and Case # XXXX ( file year XXXX ). 
The XXXX case was Dismissed, because I moved after giving a notice to my landlord. The XXXX case was paid in full and I continued to live at the location until XXXX. Also, I contacted the Bankruptcy Court. A representative told me, that they do not report anything to any consumers agency. The Bankruptcies were dismissed and do not owe anyone. Why are the bankruptcies showing on the reports? 

Please investigate & remove all inaccurate & erroneous information on my file. 

Thank you in advance for your assistance in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this item with TransUnion and ask for the contract to prove accuracy because with the information given on the credit report i can't identify the item and they response was that this item is accurate, though i did not received no contract. A item in the amount of {$1000.00} is being reported by XXXX XXXX XXXX on my credit report and i will like this item removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for years to remove account number XXXX XXXX  XXXX off of my credit. I reached out to the company the refuse to remove the late payments on the account. I then ask for the company to send me my payment transactions. According to Credit acceptance file my first late transaction was XX/XX/XXXX which mean this should have been removed for my consumer report as of XXXX, but according to XXXX XXXX, XXXX, and Equifax my first late payment was in XXXX. I have reached out to all three Credit reporting agencies about this account and they all have been responding that the account is accurate and verified. I even request for each credit agency that stated these items were accurate to send me proof of their investigation for my dispute. According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have never received anything and I guarantee that they have not reached out to my neighbors, friends, family, or associates. This is why either of the three credit reporting agencies send me the documentation that I requested. Due to Credit acceptance not reporting accurately and XXXX XXXX, XXXX, and Equifax not doing a proper investigation according to the FCRA, I believe XXXX XXXX and all three credit reporting agencies ( XXXX XXXX, XXXX, and Equifax ) deliberately tried harm me. Because of this I have been denied credit, charged high interest rates, and also suffered for a low credit score for 2 years longer than I should. I am a consumer and I have rights and these companies has violated most of them if not all. This is discrimination, defamation of my character, and I am sure much more once I reach out to a lawyer. I dont believe the consumer reporting agencies have my best interest and now they have proven that their companies are not trustworthy and have not been investigating disputes properly according to FCRA XXXX If this happened to me I can only imagine how many other consumers are affected by this. I am requesting that all late payments, collections, and hard inquiries to be removed immediately. I am attaching documents to prove my statement is accurate and intact is true.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX PL XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : 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 {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, XXXX  XXXX {$810.00} open XXXX, XXXX  XXXX {$280.00}, XXXX XXXX  XXXX  {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Mortgage

On XX/XX/XXXX I sold my property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX. The mortgage company was supposed to issue a refund check amounting to {$2600.00}. It has been more than 20 days and the mortgage company keeps giving me running around about the refund. The name of mortgage company is Specialized Loan Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX