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

have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has : - XXXX XXXX XXXX - Account # XXXX - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] 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.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have two promotional balances on my credit card which I have made numerouspayments toward, but the balances are not where they should be. I have called Best Buy at least a dozen times since XX/XX/XXXX to try to resolve this, but they are not allocating my payments properly. I have paid {$3200.00} since XX/XX/XXXX and my minimum payments have been {$430.00} from XX/XX/XXXX through XX/XX/XXXX, leaving {$2800.00} to go toward my promotional balances, as I have requested over and over. The supervisor I spoke with last week finally managed to wipe out my first promotional balance of {$2200.00}. But, there is still a balance on my second one of  {$860.00}. The beginning promotional balance on that was {$890.00}, so my new balance should be {$340.00} after all the payments I've made, but Best Buy does not agree with me and says they will review it AGAIN. Also, the website is now showing my second promotional BEGINNING balance to be higher than it was. They have changed it from {$890.00} to {$960.00}. This is WRONG. I am attaching my statements supporting my promotional balance info, my payment info and minimum payment info. My XX/XX/XXXX statement with XX/XX/XXXX payment of {$200.00} is not yet available to send. I'm also attaching a screen shot of the change to my promotional balance from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The remarks are inconsistent for all the reporting bureaus. I have been disputing this but I still get the results. Please me out on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX BalanceOwed : {$310000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00}.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately -Clarity services a part of XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX Tx XXXX on behalf of XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX MT XXXX date- XX/XX/2022. 

- XXXX XXXX a part of XXXX.. On behalf of XXXX XXXX XXXX XXXX date XX/XX/2022 -XXXX XXXX a part of XXXX. On behalf of XXXX holdings. date XX/XX/2022 -XXXX XXXX a part of XXXX. On behalf of XXXX. date XX/XX/2022 -XXXX XXXX a part of XXXX. on behalf of XXXX XXXX date XX/XX/2022 -XXXX XXXX a part of XXXX.. On behalf of XXXX XXXX.. date XX/XX/2022 15 U.S.C 1681 section 602 A. states i have the right to privacy
Product: Money transfer, virtual currency, or money service

Hello, On the XXXX PayPal XXXX has permanently closed my account without any prior notice. On the same day I contacted PayPal to acquire any basic information about the situation and the agent told me they can not provide any information and that there is nothing I can do about it. Also I have received a written response from XXXX XXXX XXXX XXXX XXXX PayPal XXXX that reaffirms that they are suspending my account without reason or explanation. 
I have been a member of PayPal the since XXXX and using it for trading on XXXX. Until today I have XXXX cases opened by buyer against me in PayPal. I am a top-rated seller on XXXX with more than XXXX transactions, all validated by tracking number, more than XXXX positive feedback and XXXX negative. 
Many of my customers have contacted PayPal, on my behalf, to validate their satisfaction on my services. 
PayPal has violated its own terms of service, by closing my excellent performance selling account without any explanation. 
I need my PayPal reinstated, to continue my excellent trading activity.
Product: Credit card or prepaid card

I have had a 100 % payment history until XXXX of this year where my Citi Preferred Credit card showed a missing payment. I reached out to the company to see what happened because I have had issues with online payments in the past and they were easily squared away due to my good payment history but they told me they didn't understand what happened and they will get back to me it has been months now and it is still on my history and impacting my credit very negatively so I have decided to reach out to see if I can be assisted by your team I have heard nothing but great reviews. I am willing to do what I need to do with the Credit card Company to assure them that this is not a pattern just a fluke misunderstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft. i have a couple fraud accounts on my report. they are XXXX XXXX XXXX opened XX/XX/2016 balance {$1000.00} XXXX   XXXX XXXX XXXX opened XX/XX/2016 balance {$420.00} inquiry XXXX/XXXX   inquiry XXXX XXXX
Product: Debt collection

I did not give consent to benefit from or utilize my authorized credit. According to 15 usc 1602g - the creditor refers only to a living person who regularly extends consumer credit. US Bank is in violation of 18 usc 8, 15 usc 1605, 15 usc 1666c, 15 usc 1692f, 15 usc 1692b, 15 us 1692e, 15 usc 1692b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Experian and XXXX XXXX over the course of the past 60 days. Both agencies said that they were re-investigating the account in question ( XXXX XXXX XXXX XXXX ). XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. Experian deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX Phone XXXX XX/XX/year> First National Collection Center XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Nv XXXX Phone XXXX Subject : Dispute of Debt Collection Account Dear XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report. 

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I have a master card account. I am the primary holder with my wife also on the account. Our cards quit working. Called to find our what happened. Told our account was closed be cause my wife did not respond to request to update her info. We have been Master card holders for nearly 40 years, Never a late payment, paid in full each month have a cred limit of $ XXXX. We get letters, email weekly to update account info on various account most of these are scams. My wife 's info has not changed in the 57 years we are married. They simply want more personal info to sell their data bases. We refuse to provide any additional info! I have had may occasion where a card quit working and found it was suspended for suspicious activity.When I call card is reinstated or a new one is issued. Why is his different? Since my account is closed it is with Bank of America CC # XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXXXXXX XX/XX/XXXX {$450.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$15000.00}, {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
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 confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : The XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit reporting 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 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 and list of Inquiries 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: Debt collection

Ive been trying to dispute this company for a while, Ive never ever in my life live at these apartment, I am willing to do whatever I can to proceed with an investigation, I used to live in XXXX back around XXXX I was searching for apartments and the front desk specialist that assisted said they have available units which I was excited, and filled out a application providing these people my social security number and ID was a big mistake, they never wanted me to see the apartment, and I was never giving a key but I did give them a holding payment of like 3-400 dollars I never got that back, because again I never move in and was never given a key, so while I was waiting for the process I just so happened to get off work one day to check out the apartment that the specialist said was available, come to find out the apartment had mold, infested with roach XXXX and the entire apartment smelled like roach spray and paint. So now I see why they never allowed me to look at the unit, they wanted to lock me into a deal without seeing it, I called them the following morning and said I wasnt happy with the what I seen, so it made the renter specialist upset and threatened me by saying if I dont move in hes going to sue me and take me to court. That was way back in XXXX how can I be charged for something thats pure fraudulent as this situation. Thats not right. I need help please I beg you to look into this matter I will do whatever it takes to show that I never live there, nor moved in or even had a key. 
Source : XXXX  Date Submitted : XXXX  XXXX, XXXX Report Number : XXXX Account Number : XXXX Company : 
FIDELITY CREDITOR XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX : XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX  I went to transfer {$250.00} from my Venmo to my wifes XXXX using their XXXX XXXX that is inside the Venmo app. Upon hitting send, the app created a circle effect on the screen and then shot out a message ( oops something went wrong try again ) and then at the bottom was a button that said try again. I press that button it repeated the exact same process sent me the same message to try again so I hit the button one more time. After hitting it the second time the app said that I was locked out and that I am now suspended and I got a email from Venmo stating that there could be fraudulent activity on my account. I immediately called Venmo support and was verified through them and talked with the support specialist for almost an hour. the support specialist said that they found where the error occurred and that they were going to escalate this at the highest priority to have my account unsuspended. I also provided the same screenshots that I am providing you. That show exactly what happened on the app. I have since then spoke with three other representatives from Venmo all of which verified me before then spoke about my account openly and extensively with me after verification. Today I was sent an email by Venmo stating that they will not unsuspend my account until I give them US government documentation. This is documentation that they did not ask for when I open this wallet. so this would be no form of verification. To me this is a form of extortion. venmo is holding my {$6000.00} XXXX until I give venmo my government documents that they can then sell ( by their own policy ) for profit! 
If this was in the terms of service that I had to provide all this before using the service I would not have a complaint because I would've gone in knowing that I had to give this to venmo and I just would not have used Venmo. For Venmo to allow me to set everything up and put {$6000.00} into a wallet and then after the fact lock me out of that wallet and demand something from me in exchange for my own money back, to me is the definition of extortion!
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX ; XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was notified by registered mail, please see attached, that I was disputing charges, XXXX XXXX reported that I paid late when I was disputing the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reported invalid credit inquiries to Transunion and XXXX. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it.