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

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to demand the immediate blocking and deletion of all fraudulent accounts and inquiries that have appeared on my credit report as a result of identity theft. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) to have all unauthorized information permanently removed from my file. 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Credit Inquiries : XXXX XXXX XXXXXX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : Department of EducationXXXX Account number : 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 an 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, 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 may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my credit report. These account are negatively impacting my ability to live my everyday life. The banking system is dependent upon my score being fair and accurate. These accounts are not accurate or fair to me as the consumer. I cant extend my credit as I need to with these account directly impacting my credit worthiness. I entered into consumer credit transactions with these companies privately. I never gave consent for a consumer reporting agency to furnish anything on my consumer report. 15 USC 1681- Permissible Purpose a consumer report may be furnished with the written instructions of the consumer. Experian I demand that you remove all of these negative accounts and provide a contract where I gave you written consent to furnish anything on my behalf. With the failure of such evidence all accounts listed shall be removed. Please remove all accounts attached in the letter.
Product: Credit card or prepaid card

In the Month of XX/XX/XXXX I had been struggling to make my payment on my AMEX CARD due to extreme interests rate & loss of job! my minimum payment was more than 75 % of my monthly income & I could not catch up due to loss of job & other obligatory bills. I reached out to the company to get the late payment off but they were not able to help me, I've never missed a payment in over 2 years, I just happened to have that struggle now due to loss of job & extreme Interests Rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a derogatory item on my credit report. The item is inaccurate and should be removed. The item in question is : a debt for {$120.00} doctor charge from XXXX XXXX XXXXXXXX from XXXX XXXX, XXXX. This is negatively impacting my credit score and my ability to secure loans or credit. 

I have reviewed my credit report and found that this item is incorrect for the following reasons : 1. I paid 50 % upfront to XXXX XXXX XXXXXXXX for a procedure ( XXXX  ) that they later did not complete ( the XXXX  were lost. ) So I asked this credit be applied to my co-pay instead. I was told it would be. I never received a bill from the XXXX  for this amount. 

2. As of XX/XX/XXXX, Major credit reporting agencies have agreed not to include paid medical debt on reports and agreed to stop reporting ( paid or unpaid ) medical debt under {$500.00} all together. This item should not be included in my credit report in the first place. 

Furthermore, I have taken steps to address this issue I called AmerAssist on Monday  XX/XX/XXXX. I spoke to an employee at the number : XXXX ext. XXXX. She gave me a case number of : XXXX and said my only choice was to wire a payment, regardless if the debt should be on the report or not. I wired payment to the bank she gave me ( XXXX routing : XXXX, account : XXXX at XXXX XXXX XXXX, XXXX PA XXXX ) noting the reference number : XXXX. She agreed to give me a letter stating that the debt would be erased from my history. I have not received this letter. I called her again on Tuesday XX/XX/XXXX, on Friday XX/XX/XXXX and Tuesday XX/XX/XXXX, but have been unable to reach her. 


I request that you investigate this matter and remove the derogatory item from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires credit bureaus to investigate disputes within 30 days and I expect to receive a response within this timeframe. 

Please provide me with written confirmation of the results of your investigation and any actions taken to remove the item from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent certified letters for dispute for Capital One Credit Card for charged off account that is still showing a past due balance. Asked them to fix this or remove. Company and Credit Bureaus state they investigated these accounts and that they are verified. Did this in XX/XX/2020 and XX/XX/2020. Have receipts and of certified letters From credit bureaus and date of Capital One employee emailing me back with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Trans Union credit report, and I noticed some late payments posted on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing my credit report with Equifax checking my file ive noticed alot of invalid information that is hindering my file. all data should be 100 % accurate on each file and it is currently not. update all information requested.
Product: Debt collection

IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2018. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation has been imposed by mistake, as I have not violated any of PayPal 's policies. 

I kindly request that PayPal re-investigate my case and consider restoring my account, if possible. I have always adhered to the terms and conditions outlined by PayPal, and I am confident that a thorough review will confirm my compliance with your policies. 

For reference, the email address associated with my PayPal account is XXXX. I kindly ask you to take this matter seriously and give it the attention it deserves. 

I trust in PayPal 's commitment to fairness and integrity, and I sincerely hope that you will reconsider the decision to permanently limit my account. I believe that by conducting a detailed investigation, you will recognize that this limitation was unwarranted and restore my access to the services provided by PayPal. 

Thank you for your attention to this matter, and I look forward to a positive resolution.
Product: Credit card or prepaid card

Hello, I tried to call the Vanilla Gift Card company to set a pin and request to confirm the balance on it. We got this gift card as a wedding present and our friends notified us there were $ XXXX dollars invested in the card. I tried calling the company some days ago but they kept putting me on hold for about an hour and then hung up the call. When I go on the vanillagift.com website and type " Balance Information '' all that comes up is the option for me to purchase a card. So, I tried calling this morning at XXXX AM on XX/XX/XXXX again and entered the card information, it tells me it " invalid and hang up on me. 

The full digits on the card are XXXX XXXX XXXX XXXX The expiration date is XX/XX/XXXX and the 3 digit code on the back is XXXX XXXXhank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent certified mail to XXXX. I have yet to receive any response from this credit reporting agency. The letter I sent included a copy of my driver 's license, FTC Identity theft report, copy of my social security card, copies of bills with proof of address, and letter with items that should not be reporting on my credit report. Based on the identity theft report alone, these items should be deleted. The other reason that these items should be deleted is because XXXX has exceeded the 30-45 day time frame that is their legal time frame to respond or delete what's in the letter. Please make sure that XXXX deletes these items from my credit report. I also sent letters to XXXX, and Experian and the investigation has not taken place. Please, remove the items listed in the letters to those organizations as well. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with Covid funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple inquiries without my consent. I have so many inquires on my report and its kind of frustrating. I never authorized them.
Product: Credit card or prepaid card

In XXXX i got a computer at XXXX   online store then dsys lster the purchase was cancelled cause they lost in delivery so they cancell but never give me refund for 2 months installments payments i did. Then not only that On XXXX XX/XX/XXXX got XXXX  charged for XXXX Plus XXXX trade in Not only that they restarted the monthly installments payment from XXXX today so they charging 3 times same purchase and never got the product. 
Please see the pictures they says all
Product: Credit card or prepaid card

Cit Double Cash MasterCard - ending in XXXX. 

I have regularly made payments against this credit card on or before the due date. However, Citi Bank has falsely and incorrectly reported on my credit card account statements and to the credit bureaus that the payments are Past Due and have not been made. My Credit Score has dropped XXXX points because of this, and I have been charged a " Past Due '' amount on each of the the last 4 statements. 

Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee '' Due Date : XX/XX/XXXX Payment Date : XX/XX/XXXX Amount : {$100.00} Citi Statement Note : " Late Fee - XXXX Payment Past Due '' ( charged on XX/XX/XXXX ) Account Charge : {$40.00} for " late fee ''
Product: Credit reporting or other personal consumer reports

The following credit inquiries were not authorized on my credit report and I want them deleted. 

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
Product: Credit reporting or other personal consumer reports

To whom I might concern, I need help I seened my credit report EXPERIAN XXXX AND XXXX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are XXXX XXXXXXXX XXXX XXXX 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. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit card

I am absolutely furious about my transaction with XXXX on XX/XX/2022! They have flagrantly and erroneously charged me a higher price, blatantly disregarding their purported price match policy. It is an utter travesty! Their abhorrent reputation for running a price match policy scam is widely documented online, and I am just one of the countless victims of their deceitful practices. 

I've gone the extra mile by initiating a dispute with Chase Credit card, but to my profound dismay, they have proven utterly useless in this matter. I have tirelessly submitted a barrage of letters to them, only to be met with indifference and inaction. It's patently clear that they are firmly in the pocket of the unscrupulous merchant, completely disregarding the interests of the paying customer. I am forking over an exorbitant annual fee to maintain my account, and yet, they treat me with nothing but contempt. 

This whole ordeal is nothing short of infuriating! I implore you to step in and rectify this egregious injustice. Your assistance is not just desired ; it is absolutely imperative!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX credit report I noticed an Inquiry on my report from One Main Financial that was reported on XXXX XXXX, 2017. I personally did not authorize to have One Main Financial review my credit report. I sent them several letters including an Affidavit affirming the veracity of my statement that I DID NOT agree to the inquiry. As well as 3 other letters asking them to remove it. They sent back XXXX generic letters claiming that I inquired for a loan online. I disputed that I did so and they sent me an application that was filed in my name WITHOUT MY SIGNATURE. I am stating that I am a victim of identity theft and they are not even acknowledging my correspondence. I sent them a letter stating that I will be complaining and considering suing them and they still sent me another generic letter about me applying online. I am EXTREMELY UPSET that they are not investigating this matter or removing this inquiry! They are just ignoring my correspondence including an Affadavit signed by a Notary!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a private student loan through XXXX XXXX several years ago, this account was transferred to another lender in XXXX. 
WELTMAN WEINBERG REIS purchased the debt, re-aged this account by updating the " date of last activity '' to reflect the date of XX/XX/XXXX. This company is unethical, unprofessional, and harassing, this causes stress. Due to this inaccuracy, my credit scores have been negatively impacted. I've reached out to this company attempting to resolve this issue but to no avail. 
I am asking for an immediate investigation and to have this account deleted from my credit reports.