23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX % XXXX XXXX XXXX XXXX Amount : {$82.00} Opened : XX/XX/year> Re : Fraud/Aggravated Identity Theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX XXXX , is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in XXXX  days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies.

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites.

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site Thank you
Product: Credit reporting or other personal consumer reports

I am trying to dispute some inaccurate information on my credit report with Experian and they keep sending me email stating that they don't believe it's me that's disputing my information. I have responded with confirmation that it's me, all of my personal information as well as copies of my identification, social and a proof of residence and they still send me emails stating they don't believe it's me. When I try to call the number on the email, it's just a loop and does not take you to anyone that can help. It appears this is some sort of a scam to get you to sign up for the Experian Website or App so they can charge you money to dispute the things on your credit report. I am not interested in paying being a member of Experian, I just want the inaccurate accounts on my credit report investigated and removed. I was under the impression that the Credit Bureaus had to comply with the Fair Credit Reporting Act and had to investigate disputes and that the CFPB regulated these companies to comply and that is why I'm filing a compliant. However, I'm reading on the CFPB website that these companies often ignore disputes and you have to file complaints with the State Attorney General or file a lawsuit against them. That's confusing because they are violating Federal Laws! Why doesn't the CFPB protect consumers against these companies like Experian and allow them to violate consumer rights and the Federal Law?
Product: Credit card or prepaid card

My XXXX Prepaid card was compromised and some funds was taken out which was not by me i already tried to speak to BOA customer service but no one respond. Here are the debited funds stolen from my card with the date and amount below. Please i want my money reversed back from any source it was sent to thank you Amount XX/XX/XXXX - XX/XX/XXXX - {$6200.00} XX/XX/XXXX - XX/XX/XXXX - {$11000.00} XX/XX/XXXX - XX/XX/XXXX - {$3100.00} XX/XX/XXXX - XX/XX/XXXX {$990.00} XX/XX/XXXX - XX/XX/XXXX {$5900.00} XX/XX/XXXX - XX/XX/XXXX {$3300.00} XX/XX/XXXX - XX/XX/XXXX {$2200.00} XX/XX/XXXX - XX/XX/XXXX {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This submission is NOT from a third party, I XXXX XXXX XXXX XXXX the natural person, consumer & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX-22 I sent a certified letter to Transunion informing them on the unauthorized use of my credit report. Pursuant to the FCRA my credit report shouldnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They currently have 4 accounts that theyre reporting that I did not give consent to. I need assistance with these crooks who are bypassing the law & have proved their actions are for personal gain. I gave them 7 days upon receipt to delete immediately and send a copy of such deletion. They received my correspondence on XXXX-22.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me on EQUIFAX. I believe these inquiries are fraudulent. I have been dealing with a lot of stress trying to figure out what is going on. I have already submitted an FTC report. I have called each of these companies and none of them can provide any proof that I authorized these. They are not helping me get these removed. I am out of options at this point. I am asking you to please get these removed as soon as possible as they are all fraudulent. I am trying to buy a house and this is hurting me. Thank you! 

XXXXXXXX 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

I filed a dispute with Experian and XXXX ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX   deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked Experian and XXXX to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't allow disputes on the website and will not respond to mail. Reporting inaccurate and fraud information after being disputed. The last dispute I sent to Equifax via CFPB they responded by saying the account was not on my report after I attached the statement. Their reason was the name of the account did not match. Three days after I receive the response, I get a notification from XXXX XXXX saying I have updated information. Equifax closed my dispute as invalid and then proceeded to update the account to the correct name. They also continue to repost or refuse to remove invalid accounts.
Product: Debt collection

XXXX day I get an alert from my transunion credit report that my score dropped over XXXX points. I log in to my account and noticed an account reporting as a collection account I never heard of so I called the number to find out Its an online shopping company. The lady didnt have any good reason for placing the account under my report other than its your account sir and we know it so its not going to be removed unless you pay.
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. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account.

This collection Informationon my Transunion XXXX report is not refelecting the same infromation that was removed from XXXX XXXX 
Collections ( XXXX XXXX XXXX ) Transunion Account # XXXX Collections ( XXXX XXXX XXXXy ) XXXX Account # XXXX Delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX, XXXX and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V TRANSUNION XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v TRANSUNION XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while XXXX shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and XXXX $ XXXX/TransUnion {$150.00} Status : XXXX : 30 days late/XXXX ; : 60 days late/TransUnion : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
Product: Debt collection

Noticed on my credit reports a collection account Creditor XXXX XXXX XXXX. Collection agency is credit control corp. I contacted both and XXXX  has no record. Contacted credit control which again, no help. Explained to them that all medical is paid by Medicaid. They were not interested and told me to contact Medicaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX card services before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX card services to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX card services business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Consumer Loan

Ally financial continues to call and harass me after I 've already spoken with them today and come to a resolution.
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 anad confidentially under 15 usc 1681 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15usc section 1681 602a state i have the right to privacy.

15 usc1681 section 604a section 2 states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1681c ( a ) ( s ) states no consumer reporting agency may make an consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 usc 1681s-2 ( a ) ( 1 ) states 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: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) 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 a my file at Bureau 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. 
CITICARDS CBNA XXXX Date opened XX/XX/2016 Balance : {$580.00}
Product: Money transfer, virtual currency, or money service

I sold a XXXX XXXX XXXX XXXX ( missing crown ) on XXXX XXXX, on XXXX and the payment was made through PayPal for {$400.00}, the watch it was delivered to the buyer but the buyer it was not satisfied with the purchase so he Ofer {$200.00} for the watch, I did not accept and asked the buyer to return the watch for a full refund he went and open a case with XXXX, and PayPal put a hold on my account for {$400.00},., but the buyer never return the watch the buyer return a enty envelope then I contact XXXX and XXXX resolve the case in my favor ( seller ) Then the buyer Open a case with PayPal.,  PayPal request the buyer to send the watch back and this time the buyer sent a damage XXXX XXXX ( wrong watch ) and PayPal resolute on favor of the buyer., then I contact PayPal and the FBI internet crime Unit and I sent all documents and pictures., as of today XX/XX/XXXX I am with out watch, money my account on hold plus I have to pay PayPal {$400.00} please Investigate and help me resolve
Product: Checking or savings account

Friday ..XX/XX/XXXX I went to the TCF Bank at XXXX XXXX XXXX. XXXX   XXXX, MN XXXX. I had a rent check from tenants for {$1300.00}. The check from the tenants was a TCF check. I asked the teller to check to make sure the check was good. The teller verified that there were plenty of funds in my tenants TCF checking account. I told her I will put it into my savings account in lieu of cashing it. Will this be an immediate transfer. She affirmed it was. ... I went to the XXXX XXXX Branch of XXXX XXXX which was located on the corner of XXXX XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. I asked if the check was cleared. The teller said yes. I removed the funds of {$1300.00} The teller gave me cash.. On Friday XXXX. I received a letter from TCF saying my account was over drawn on XX/XX/XXXX. I went back to the XXXX XXXX location, XX/XX/XXXX : The teller told me they made a mistake and should have completed transfere of the funds on Friday.. That my only option was to call customer service.. I tried that but only got excuses. Then TCF closed my account and transferred the so called debt to a debt collector. They have file on my credit report. TCF Bank has never returned my original check. So I could never go further with action with this case.
Product: Checking or savings account

My name is XXXX XXXX, approximately two months ago my checking account at XXXX  XXXX XXXX  was hacked. Since that time we, ( the Bank and I ) have been trying to close the account. Because the hacking left the account in an overdraft I was unable to close the account until I had the funds to bring the balance back to XXXX. I reached out to all the vendors with a direct debit to that account to use a different account which I had set up. The account number in question is XXXX. The bank requires as you know the account have no transactions within 5 days and no overdraft balance in order to close the account officially. The only vendor that has continually hit that account, after several attempts to give them another option is PayPal. I have copies of a written transcript concerning resolving the issue and specifically asked them to use the new account. They assured me that the would close that account on their system. I checked my account this morning and PayPal have hit the old account again causing a overdraft fee against my specific requirements. I will attach a copy of the transcript. This is the third time this has happened and the bank was kind enough to waive the overdraft fee as i showed them the transcript from PayPal. PayPal agreed to send me a letter that they had closed the account from their records which they also failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a complaint to the CFPB regarding Equifax and XXXX XXXX on XX/XX/14 ( report # XXXX ) and still to date, the complaint is opened because Equifax did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Equifax remove XXXX XXXX and its balances from my credit report. XXXX XXXX was given plenty of time to respond to Equifax and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious case, as my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, XXXX  has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days. I would like for Equifax to remove both of the XXXX XXXX accounts. They have refused to respond in a timely manner.
Product: Vehicle loan or lease

We trade our car with a dealer. They sent the check to the bank chase to the full payment department, for the total amount. This was sent on XXXX XX/XX/XXXX, overnight payment. We contacted the bank and the answer is that they receive the check but until they dont found the check cant be applied. And we talk with 3 different persons no one give an answer the check was misplaced, we have to do the monthly payment and no one give an answer about where is the check or how to post this in our account Chase first call Monday XX/XX/XXXX 3different agents XX/XX/XXXX at XXXX am Im still on the call after 54 minutes The supervisor is extremely rude, disrespectful and giving answers that are not true