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

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX, but my credit report shows an outdated address as [ XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ]. I request that my current address be updated accordingly. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Debt collection

My wife had a medical procedure XXXX years ago. They submitted the bill to XXXX XXXX using my wife 's old account. Months ago I spoke with Continental Credit Control and to XXXX XXXX who said they found the medical bill and would put it through for payment. I thought end of story. But yesterday we received a statement dated XXXX/XXXX/16 from Continental Credit Control showing {$410.00} due, including 10 % interest. We spoke with Continental Credit Control this morning and the first thing they insisted that we make payment over the phone and then they would take it off of the credit report. Only after back and forth conversation did he recheck and tell us that they RECEIVED payment back in XXXX! A statement sent in XXXX for a payment made in XXXX? Well, a month ago we were DENIED a credit card because of bad credit! To add insult to injury, Continental had the gall to tell us we still owed the interest due!
Product: Debt collection

Previous Complaint Number : XXXX Debt Collection Agency, Genisis, continues to violate and engage in unfair practices that violate the Fair Debt Collection Practices Act ( FDCPA ), including : Misrepresentation that they was contracted to collect on an alleged debt / joint account by XXXX XXXX XXXX XXXX XXXX. ( This contract must comply with relevant laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) According to XXXX, XXXX, XXXX XXXX, there are no such contracts and there would be no collection agency hired by XXXX XXXX only by their XXXX XXXX XXXX  . The Rental agreement was fulfilled on XX/XX/XXXX. 

on XX/XX/XXXX Complaint Number XXXX was filed. On XX/XX/XXXX the Collection Agency Responded stated : However, the debt still exist on your ALL XXXX Bureaus and XXXX  Thiis appears to be another unfair practice and attempt to collect.
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. 

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  has violated my rights. 

XXXX 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 XXXXXXXX XXXX 

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: Mortgage

my husband fell ill with XXXX  and we were in a current XXXX XXXX bankruptcy at the time and he ended up with several health problems which resulted in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we fell behind on our bankruptcy payments but the entire time we were in bankruptcy their lawyers were filing for sherriff sales every 2 to 3 months which just kept racking up fees even our lawyer contacted them asking why after 2 years of consistent payments were they still filing continued sherriff sales and their lawyers got my motion for stay lifted and I have my current sherriff sale for XXXX I tried contacting the company for any kind of retention options and they refused to work with me they said they will only offer cash for keys and we have paid their lawyers close to XXXX just in fees and they have put much more on us and all we're asking for is some type of loan modification or something so we can save our home that we have lived at since XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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

It has been drawn out that XXXX and XXXX Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX  Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NM XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

I deposited a personal check in my TD Bank account for {$320.00} on Saturday XX/XX/2020. I then initiated a ach transfer to an outside bank to be completed on Wednesday XX/XX/2020. Both the deposit and transfer were pending on Monday XX/XX/2020. I received a overdraft charge fee of {$35.00} on Tuesday XX/XX/XXXX but according to the overdraft statement the check was cleared on XX/XX/XXXX. 
TD Bank then sent an email about an unsuccesful transaction at XXXX on Wednesday XX/XX/XXXX and proceeded to put the transfer through again, with no option for me to cancel, minus the overdraft fee of {$35.00} which caused my bank account to go negative and receive another overdraft fee of {$35.00}. So in two days TD Bank charged {$72.00} in fees.
Product: Debt collection

I call the Citi Hilton Honors Reserved XXXX, after I was notified from XXXX XXXX XXXX XXXX regarding a unpaid collection debt. The representative I spoke to state my account was close with a XXXX balance. I ran my credit report from 3 XXXX, XXXX, XXXX, and XXXX, all stated they are unable to locate an account with the last digit. I wrote the company on XX/XX/2023 stated a dispute regarding the debt. Reason : this is not my debt. I requested debt validation. I also request the name of the creditor and a copy of the original contract. I receive copy of a billed that showed a balance and payment. I also request a itemize billing statement that reflect the charges and what the purchase were. I did not received a itemize statement. I did have an account with Citi Hilton Honors however the card was settled for less than owed. I do not have the card are the documents to prove. Citi Hilton had a history of missed posting my payment and lost them occasionally, this is the reason I settled for less than owed. I am now been sued by a collection investment company. There is no reporting on my credit report where the account was settled or even own the account by me. I am not willing to pay for a debit that I do not owe. I request them to provide me proof of ownership and to not have this place on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX  XXXX XXXX XXXX ( Original creditor : XXXX  XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : - ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX  Inquiry : 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

Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address.
Product: Credit card or prepaid card

Hello, I have a savings account with Capital One, I would constantly get promotions from them to open a new credit card or new checking account. 

Recently I logged in and saw an special offer to sign up for the Capital One Quick Silver Credit Card and spend {$500.00} within 3 months and earn a one time cash bonus of {$300.00}. I also received a email with this exact offer with my name and thanking me for my loyalty.

I applied for the Capital One Quick Silver Credit Card because of this offer as they kept advertising it to me. I used the link provided provided by the offer spend {$500.00} in the first 3 months earn a one time cash bonus of {$300.00}. 

After being approved for the card I received another email stating that I am not eligible for the offer. This feels like a bait and switch as I then looked online and found other people were getting the same offers and Capital One would not honor their promotions. This is the only bank or credit card that I ever had a issue with. 

I read into the terms for the offer and it says previous or existing account holders would not qualify. I have never had a capital one credit card before, Also this wording goes against their promotional offer. In the email which I have screenshots of, They thanked me for my loyalty and promoted a special offer, but that offer is only allowed for people that never had a account before?? How would someone have " loyalty '' with a company they never had a account with? 

Capital One is false advertising their offers and every time I call I am told there is nothing I can do expect write a letter. Any other card company and bank I call they help their customers on the phone. No where on the email or offer screen did it say I would have to write a letter and send it into their office for them to look into it. 

I got the card approval email XX/XX/. The {$500.00} spend to get {$300.00} back offer in the email says it expires XXXX XXXX XXXX I blocked out my name in the photos provided, but if a CFPB employee needs to see the pictures with my name not blocked I will provide them as I didn't want my name to published publicly. 

Thank you.
Product: Credit reporting or other personal consumer reports

I would be grateful if you could take a moment to inspect the documents that are attached.
Product: Money transfers

I have a PayPal account with a balance of {$5400.00}. In XX/XX/XXXX, PayPal notified me that my account was suspended but without any explanation for why. I tried contacting them several times, by email & online forms, and have never received a personalized reply. I just get very generic emails that my " appeal has been denied '' but again, zero specifics as to why my account has been limited. The messages on their website are very circuitous and Kafkaesque. When I log in, I see messages like " We would like to learn more about some of your recent transactions '' however there is no way to provide such information, they do not specify which transaction is at issue, and they do not have a phone number. I very much need to get the cash OUT of this account and PayPal has disabled withdrawals, I can not seem to access this money in any way. 

Of course, I have not used my PayPal account for anything fraudulent. I had been a PayPal user for probably 10 years until this happened. If you can please prevail upon PayPal to release my money I would be most appreciative. 

PayPal 's site also gives me a case number which has proved useless. 
" Your case ID for this reason is XXXX. " My PayPal account ID is my email address, " XXXXXXXXXXXX ''. 

( I am using the " Money Transfer '' form instead of the virtual currency form, per your web instructions. Therefore, my responses to the other items below will not be quite applicable. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in bankruptcy in XX/XX/2018. With XXXX balance and this account became inactive and cancelled along with the credit card ... In XX/XX/2018, I started getting charges each month which the first charge was {$3.00} which was charged every month with interest, totalling {$190.00}. I disputed this item 2 times asking for specific information showing information proving these charges. Which I have not to this date, been provided any such information. The only thing I received was the information from the credit bureau ( XXXX, Equifax and XXXX ) that the information has been verified totally ignoring my request. This incorrect information has affected my credit and I am asking that this item be removed from my report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act JPMCB Card # 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I received an unsolicited CashApp card in my maiden name early part of XXXX, XXXX. I had a Cashapp account but this card was not associated with it. On XX/XX/year> I contacted Cashapp to report that I suspected the card was obtained fraudulently. I provided the info they requested and they closed the fraudulent account. 

Approximately XXXX weeks later on XX/XX/year>, I noticed that my valid CashApp account had been closed On XX/XX/XXXX. Cashapp stated it was due to gambling. I have never gambled using their service. I have only used it to exchange money with family, friends and coworkers. I have asked more than once what transaction they suspect was used for gambling and to date they refuse to provide the information. 

I feel like they punitively cancelled my account because I reported fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Account is involved in litigation. This account is being disputed for the reason previously stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this, I am now asking you for more information regarding this particular account in question. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below needs to be corrected : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : PENNYMAC LOAN SERVIC XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Transunion for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Transunion was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT TRANSUNION REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : 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

these CRAs are continuing to violate my consumer rights and willfully breaking the law. they are completely refusing to uphold their lawful duties. section 623 is extremely clear about the duties and responsibilities of CRAs and data furnishers.

1. They are not absolved from lawful duties outlined in 623 by litigation.

2. the fcra does not say they can continue to harm me by reporting false or fraudulent data.

3.they can not continue to violate my rights by reporting me as deceased.

4. they can not open and close my accounts at random an without consent. 
5.they can not send harassing letters to " the estate of XXXX XXXX ''. they can not add experiences or transactions to my report. 
6.they can not take more than 30 days to investigate this clear willful and negligent misuse of my data. 
7. they can not continue to violate the entire FCRA FDCPA ETFA and my 4th amendment rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ( account # XXXX ) ( account # XXXX ) ( account # XXXX ) ( account # XXXX Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2 States a consumer reporting agency can not furnish an account without my written instruction.