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

Dear CFPB, I am writing to request the immediate removal of all of my personal information from EXPERIAN records, in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that under 15 U.S.C. 1681b ( a ) - ( g ) and 1681c-2, they are prohibited from using my personal information without my consent. I have reason to believe that Experian is in violation of these provisions according to the aforementioned United States Codes and FCRA ACT. This misuse of my information is unacceptable and a violation of my privacy rights.

Therefore, EXPERIAN shall promptly delete all of my personal information from their systems, including but not limited to : my name, my addresses, my Social Security number, my Employment information my credit report information, and all other personally identifiable information Thank you CFPB for your attention to this urgent matter.
Product: Credit card

I have a visa card from Elan Financial services and two fradulant charges were posted on my account on XX/XX/year> by a company named XXXX for {$7.00} and a company named XXXX for {$30.00}. I have repeatedly disputed these chargesd and talked to several representatives from the fraud department at Visa and just finished talking to XXXX in the fraud department and they keep promising that it will be taken care of but no credit has been issued to my card as of yet. Elan financial had chnged my card twice to stop this company from posting charges but these charges went through. There were two other charges posted in earlier month and it took me a while to resolve the dispute for those charges.
Product: Mortgage

On XX/XX/18 I received an initial loan estimate and decided to lock in the rate that day and not pursue other lenders. I specifically stated that I did not wish to pay points and wanted to lock in that rate as I was already pre-approved. I had no issues with the banker I worked with during the whole process. On the day of my closing I noticed an additional charge for points and when I asked them to remove the charge I was denied. I spoke to the manager XXXX XXXX who refused to remove the charges because if he waived the fee for me, then he would have to waive the fee for everyone and he wouldn't want to lose money. He claimed to have provided a credit to offset the points, however the credit was on the initial loan estimate so that was a false statement and I couldn't do anything at that point. This type of predatory lending and his attitude was unprofessional and disappointing. I couldn't delay the closing any longer so I signed the mortgage papers. If I could go back I would pick a different lender just because of this manager. I do not recommend using his services.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX CARD # XXXX 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 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: Money transfer, virtual currency, or money service

I was calling to report my card as lost and was told that they could not give me a replacement because my account was closed. They said my account was closed because I have an outstanding balance of {$500.00} from a check that was cashed 2 years ago which is impossible because I was XXXX XXXX XXXX at the time and I have never had a job. I used my account to receive money through XXXX and send money through XXXX. I seriously need help.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 transfers

I have a paypal account, with around XXXX dollars in it. I want to withdraw my money back to my XXXX checking account. I tried two weeks ago, and it shows " Internal server error. '' I contacted Paypal customer service and they did n't reply. I tried again these days and it still shows " Internal server error. '' I tried every approaches, including change browser, clean history but all did n't work. Now they still did n't give me any response, and I really need your help.
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. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with world finance, they forced me to take out personal property insurance even though the insurance is optional. I was lied to straight to my face by the branch manager. They are practicing false advertising and lying to customers.
Product: Credit reporting or other personal consumer reports

Credit Bureau 's Transunion and XXXX has my name and address wrong reporting. I tried to dispute with both companies and they saying its verified and correct but my ID clearly shows what it is. I also sent in my ID in but they still have not corrected the situation. I was a victim of IDENTITY theft and the names that is not right should be deleted asap!
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  Balance : {$760.00} XXXXXXXX XXXX
Product: Debt collection

Credit Collections Co has recently started reporting on my XXXX  Credit Report despite having successfully removed this item years ago with XXXX. Through dispute XXXX  determined the debt was not Valid in 2017. I had provided proof through receipts that the debt was paid in XX/XX/2017 in full to the medical office and the debt was illegal to continue to try and collect on. Credit Collections Co was mad that the debt was paid prior to them receiving it and apparently was not notified. I am not sure- At that time years ago I was caught in the middle of everything between the provider and credit collection agency. The provider contacted the collection company during the DUNNING period to advise them that the account was paid to them during the aquisition process. Which through a few phone calls and disputes was verified by all of the credit bureaus as paid and illegal to report. 

This account just showed up again with XXXX. It is against FCRA to report and continue reporting an invalid debt collection attempt.
Product: Checking or savings account

I noted with much interest your lawsuit filed against Capital One 360 as I am a victim of this very circumstance. I have held up to several XXXXXXXX XXXX of dollars at their online bank for many years fooled into thinking I was getting their best and very competitive rate. I discovered quite by accident in mid 2023 there was such a thing as a 360 performance savings account paying much higher interest. I beat myself up for months for not knowing this was available and fuming about all the money I lost. You are correct that no one at Capital One 360 ever told me even about it even though I had been and still am a loyal savings customer. I want to know if or how I can support this lawsuit and if I have any recourse in the meantime such approaching the bank about my documented lost interest. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shall be fined under title 18 USC 894 ( a ) ( 1 ) ( 2 ) or imprisoned for 20 years or both if you dishonor this Cease And Desist Negative Information Order because by XXXX XXXX furnishing my nonpublic personal information and by it not being a requirement, XXXX XXXX is doing this without my lawful authority as it brings substantial harm to me and my financial reputation attempting to extort me by furnishing this information to consumer reporting agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im also aware of federal law definition of Charge off ( See attachment ). Im demanding Update my account as Paid as Agreed. 
If XXXX XXXX does not comply this matter shall proceed in Federal Court with prejudice!
Product: Credit card

I received my card in the mail so I tried to activate it online. It was asking questions I dont recall setting up. I was locked out. Call citi. They said they couldnt text but would call. No one called me so I called back and they said that I couldnt be verified. They asked me for my full checking acct number and then said they couldnt get ahold of XXXX XXXX which is scary that she asked me for my acct number and then claimed to not reach anybody during business hours. Its hard to understand the agents since theyre not from the us XXXX I feel so descriminated against. I was added by XXXX XXXX who speaks highly of city bank. This is the worse. Is it because XXXX XXXX? This is horrible. The agent kept saying she cant hear me. Im XXXX XXXX XXXX. Im trying to handle business as an adult but its hard when Im being treated poorly
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade access a copy of my XXXX consumer report without my authorization. I never gave authorization for upgrade to access my XXXX consumer report. I sent a notice of dispute for unauthorized credit inquiry through mail as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account 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 block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I did not authorize anyone employed by these companies to make any inquiry and I have notified the credit bureau as well as the creditors since that's what the credit bureau recommend and they have refused to remove several inquiries that they have continued to report on my credit report. I even send my letters notarized and my letter went ignored by TransUnion. This has been going on since XX/XX/XXXX. I reported inquiries that I did not recognize and I have contacted the original creditor and the credit bureau still reporting these fraudulent inquiries on my credit reporting under my social security number. I have requested several times that they remove immediately inquiries reporting from XX/XX/2018 to XXXX XXXX. They have me confused with someone else. I pulled a report in my area and there are over a thousand XXXX XXXX in my area as well as I have a child with the same exact name as myself. Transunion has failed to remove the following fraudulent inquiries XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX I have told them that I do not consent to XXXX  or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the late payment entries related to the disputed item from my credit report. Despite my efforts to have your bureau verify the incorrect and incomplete reporting, the erroneous information remains on my report. 

Upon contacting the company, it was confirmed that an error had occurred, and they assured me over the phone that the account would be updated promptly. 

Your bureau is legally required to conduct a thorough and timely investigation of disputes, including reviewing all relevant information provided by the consumer, in this case, myself. 

Both XXXX and XXXX have already corrected this account on my report. Therefore, I kindly request that you promptly update this erroneous account. A written confirmation of the correction would be greatly appreciated. Please update the account below. 

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

On XX/XX/2021 I sent {$300.00} to XXXX via XXXX Chase for a XXXX refund. I was told this could be sent back to my Chase account via XXXX and due to COVID was the quickest way to get my money. This was a scam ( details below ) and Chase bank refused to issue me a credit. 

I needed a refund for a XXXX order. This was during covid so there were no reps at XXXX online or no live human I could find. When I XXXX  XXXX VIP support, an XXXX number appeared and when I called it asking for a refund, I was told to first go get a gift card which I refused then was told if I send {$300.00} via XXXX to XXXX - I would get the complete credit back. details were sketchy and I should have known better, but it was a XXXX XXXX phone number I found on XXXX - so I thought it was legit- it was not an ad so they must have used XXXX marketing to pay for this URL and NUMBER to be a top hit. This was the number I found and called - XXXX XXXX - Both XXXX XXXX email and the phone have most likely since been XXXX. Details below order number XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX tXXXX  I wanted refund XXXX XXXX - fraudulent activity using XXXX via Chase XXXX sent {$300.00}
Product: Bank account or service

I Am XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX -My SS # is *********** - DOB - XXXX XXXX -On XXXX, Paypal Notified me that they were TERMINATED MY DEBIT CARD FOR NO REASON, A VILATION OF COMAONY POLICY ( THERE IS NONE ) after 17 Years and I have paid XXXX in fees to them for processing my payments, I have NO UNSOVED DISPUTES AND THEY LISTED XXXX -all of which I refunded after I found out they were CONVITED CRIMINALS - COmoany Policy, I am a 10 Year XXXX XXXX and XXXX int he Texas Secreatry of XXXX - I also have a Texas Credit Organazation XXXX and XXXX Texas Insurance Licence XXXX XXXX XXXX Financial Analysist and CFPB- - My XXXX as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - It is my Tax Attorney Address XXXX Coffin Atty, XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - Pay Pal Tells me that they are going to HOLD MY XXXX for 6 Months - When I have done nothing but been a loyal Client and a Tax Payer - This is Fraud and the TExas Attorney General said it is DECETIVE TRADE, FRAUD AND THEFT - I have reported this to them and local police, XXXX XXXX POLICE DEPARTMENT, XXXX TX XXXX. My attorney tells me to see them immediately, for lost Income, Fraud and Deceptive trade. 
I demand my fund back and have given them 3 days to do so, they state in an email only that they will NOT until they please. Under Texas Law and Federal Law this is NOT A bank and I owe them nothing and have NO LIABILITY - I want my fund returned to my CORPRATION IMMEDIATELY - MY EN # IS XXXX, XXXX XXXX XXXX - I have copied XXXX people at Pay Pal and their Board of Directors -I ma seeking Criminal charges as well as civil charges - Please do your due diligence and return my funs as I am XXXX - I have reported this to all the News Channels, Written XXXX XXXX PERSONALLY and President Obama XXXX PAYPAL HAS XXXX of complaints and the CFPB IS LETTING THEM OPERATE - SEEMS to me We should be suing you -Please help me accomplich putting these people out of business -My Card # is **************** exp XX/XX/XXXXMy attorney is XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX : XXXX XXXX ) XXXX hard to beleive after 17 years they would hold XXXX and have a attitude like I have done something wrong - A XXXX man that the GOVERNMENT FINALLY APPROVED XXXX AND I TURNED DOWN - I lost my mom on XXXX XXXX, XX/XX/XXXX - and she told me NOT TO POAY THE GOV, keep all cash that there are nothing but crroks - She was XXXX, had XXXX Siblings - XXXX nephew is XXXX XXXX, XXXX XXXX, he states it is simple theft, Fraud and Deceptive Trade- SUE THEM and give them to the CFPB that he would call XXXX XXXX - the XXXX is XXXX XXXX, XXXX XXXX and US XXXX MAGISTRATE northern XXXX of Mississippi - XXXX - He too said he would call XXXX the Governor of Texas -. 

I await your reply and thank you -I have done work for the Affordable XXXX XXXX XXXX a consultant and its hard to belelive this could really happen -My XXXX XXXX XXXX TX XXXX
Product: Debt collection

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Discover Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : Capital One
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my my credit report leaving inaccurate or unverifiable accounts unresolved.Im requesting immediate corrective action to remove or amend disputed accounts.As experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit card or prepaid card

I just ran a credit report and found I have had a credit line with XXXX  for the last 11 months. 

I never applied for this. I also do not have this card. I never received anything. I had no idea this was even on my account. I would like this removed immediately. 

You can see it's never been used. I'm not sure what happened. Maybe this was a mistake, but I do not have it nor use it. It also affects my credit score and I need this card and effects removed ASAP.