23daVinci/CFPB_Complaints huggingface dataset:
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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXXXXXX XXXX  Inquired XX/XX/XXXXXXXX XXXX XXXX Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON XX/XX/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.

15 U.S.C 1681 ( 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 antedate 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. Block this information within 4 business days, as required by FCRA Section 605B, and notify all those providing this false info. Act now or face legal consequences. 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 XXXXXXXX. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character.

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 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.

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information.
Product: Debt collection

Called and written 17 Communications from XXXX to XXXX Walmart found out it was fraud they closed the account, two months later they open the account with a bigger credit limit. I found out they closed the account. but left this debt on my report. The Walmart does not care about me. I shared with them I been traveling to 3rd world countries XXXX  work. the rep was understanding I was transferred to security they closed the account not once but 2 times. on two different years. 

I been living out of the country for over 6 years, and to my surprise as I have return home I see this walmart debt again .Its been removed 2 times from XXXX that does not belong to me. I have not opened an account or request any credit in 6 years. I also have written the company and zero response. I am shocked because I have alerts and a phone number they are not suppose to open or extend any credit with out my Authorization, It states it on my credit report to call I want this account removed. Its not mine and I never signed or Authorized or even went into any place for this account.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit act # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose delivered to the consumer not later than 21 days
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had bought a watch from a company in XXXX for XXXX $ using Paypal. The watch was shipped and arrived to me on XX/XX/XXXX. I was happy with the watch until I took it in to a shop and found out the inside was completely a counterfeit. I brought this up to the attention to PayPal on XXXX XXXX. Two weeks later, I call PayPal then they inform me I needed proof from the shop that it was a counterfeit to proceed with the return. Not a problem. On XX/XX/XXXX, I bring it back down to the shop and pay XXXX $ to get a receipt saying FAKE, NOT REAL along with some other notes of the inside of the counterfeit watch. Next week PayPal tells me to ship the watch out. I ship it out on XX/XX/XXXX, and it gets delivered to the original company on XX/XX/XXXX. Now 11 days later PayPal informs me that the company is telling them that I sent the wrong watch. Then they immediately close my case.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt that has been reported to my credit file by XXXX XXXX XXXX, which I believe is erroneous and should be removed. The debt in question has been reported to the following credit bureaus : Equifax, XXXX, and XXXX. 

I have previously disputed this debt with each of the three credit reporting agencies, as I do not recognize this debt and have not received any valid documentation substantiating its existence. Specifically, I requested that XXXX XXXX XXXX provide me with the original purchase agreement or any other supporting evidence to validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received such documentation from XXXX XXXX XXXX. 

Despite multiple attempts to resolve this matter directly with the credit bureaus, the debt has not been removed from my credit report. I have provided all necessary documentation during my disputes, but the item remains unresolved. 

I am requesting your assistance in ensuring that this debt is properly investigated and, if it can not be validated with sufficient documentation, removed from my credit file. I believe that XXXX XXXX XXXX has failed to fulfill its legal obligations in validating the debt, and their reporting of this debt to the credit bureaus is unjustified.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Global Lending Services LLC are actively reporting false debt to all 3 credit bureaus, which is a violation under the Fair Credit Reporting Act ( FCRA ). I was in an automobile accident XX/XX/XXXX, resulting in the totaling of my vehicle. I contacted Global Lending Services LLC the following morning after being informed of the auto total by my auto insurance adjuster ; informing them of the accident, along with providing them with my auto insurance adjusters name and contact information. I further inquired about my monthly payment that was still not due prior to the accident, nor at the time of the call. 

I purposely asked with great specification if I were required to still make payment on a car that was no longer in my possession, stating the note due date had not arrived at the time of the call. I also confirmed the prior month note payment of {$480.00} on XX/XX/XXXX. During the call with Global Lending Services LLC, I was advised NOT to make the current month payment for XX/XX/XXXX, instead information for my auto insurance adjuster was request for the payment of the car total, in which I complied. I confirmed payment for the vehicle total from auto insurer and receipt of payment by Global Lending Services LLC via 3 way conference call with both Global Lending LLC rep  and auto insurance rep, along with additional assurance that my contractual obligations were terminated at the completion of the call, due to my insurance company having title of the vehicle and the totaled check amount being received by the lender ( Global Lending Services LLC ). 

I proceeded to purchase another vehicle and obtain /be approved for new car loan, after all credit clearances were met on XX/XX/XXXX. Global Lending Service LLC contacted regarding late payment in XX/XX/XXXX via phone. I provided the date and explained the content of my last call and further stated that I was informed that all calls were recorded and that I was informed of no further payment obligations could be confirmed via recorded calls. I was informed that they would investigate the matter and be contacted again via phone. I never received another call regarding the matter. Global Lending Services LLC are currently reporting false debt for the amount of {$770.00} car loan payment effective XX/XX/XXXX, which is a violation under the Fair Credit Reporting Act.
Product: Credit reporting

Upon review of my annual credit report, I noticed incorrect information on my reports from both XXXX and Equifax. It was a collections account for a place called XXXX, a business which I had never been to, or contracted for services with. My initial dispute with both companies was on XX/XX/2016. XXXX deleted the incorrect information right away, but Equifax said that it was my debt, and did not delete it. I sent a XXXX dispute letter to Equifax on XX/XX/2016, explaining that their initial decision was incorrect, and asking them to provide me with the method of verification used to justify their decision, and also to provide me with a copy of the verifiable original contract for services with XXXX XXXX of XXXX with my signature on it. Equifax has failed to produce a copy of a contract for XXXX XXXX of XXXX with my signature on it, so according to the FCRA Section 611, this information must be deleted.
Product: Credit card or prepaid card

When I applied for rooms to go credit card XXXXXXXX XXXX was in the store, and no body told me about security card program, I never received any information about it and I NEVER agree with this monthly charge. I called so many times to cardsecurity and request a copy of my agreement whit this service and they send me a letter telling me I agree when I click on my application online, that is incorrect because a employee on rooms to go did the process for me. 

I cancel the service, and they offer me XXXX dollars for the inconvenience! I claim a fraude process but they only said wrong information about my account. I was unemployed for 1 year since covid, if I know a had this service for sure I was applied for the benefit. 

I called Rooms to go and after talked with XXXX representatives any one give me a solution, I called myshyncronic bank To make a fraud claim for take my money without my permission. 

I tried to contact the 3 companies a any one wants to fix my problem and security card do not have any record about contract or agreement showing my permission o prove of this purchase. 

I requested the statements from XX/XX/2017 and they are on the way. I send you a statement from XXXX with a unauthorized charge from my security card.
Product: Debt collection

They call me off of XXXX. 
XXXX said they were sequium asset solutions, which has tooken money out of people accounts after looking them up, they are a complete scam ans they call off ID of XXXX. Its really weird they know my adress, my phone number date of birth, etc and they shouldnt know so much information, they think they are smart and use good words but they are complete scammers please stop them .I DO NOT HAVE DEBT WITH THESE PEOPLE THEY JUST WAN NA HARRASS NEEE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a idenity theft report to experian to remove credit one and aspire/tobm accounts experian only removed the inquiry but not the whole accounts im dusputing the whole account experian is not reachable by phone this whole process took longer than 30 days also transunion has also have my police report and falied to remove accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called XXXX to request my 3 credit reports. I was told it would take 15 days to receive them. The last 2 years I haven't received my report from Equifax. Last year I called them, explained I didn't receive it, was told they'd send it. Nothing. I called again, still got nothing. Here we are this year and I have my report from XXXX and XXXX, but no Equifax. Clearly they ignore the requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally complain about Experians failure to remove fraudulent information from my credit profile, despite multiple notifications and the submission of supporting documentation. My complaint pertains specifically to XXXX XXXX  account # XXXX, which has been erroneously reported on my credit file as a result of identity theft. 
Background : XXXX. Fraudulent Account Reporting : On XX/XX/XXXX, I initially contacted Experian regarding the fraudulent XXXX XXXX  account # XXXX that appeared on my credit report. I provided Experian with a Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report # XXXX ) as supporting documentation. This report unequivocally identified the account as a result of identity theft. 
XXXX. Subsequent Follow-Up : Despite my initial complaint and submission of the FTC report XXXX the fraudulent information remained on my credit profile. Consequently, I reached out again to Experian on XX/XX/XXXX, reiterating my request for the removal of the fraudulent entry and resubmitting the FTC report. 
XXXX. Experians Response : To date, Experian has refused to remove the fraudulent information from my credit report. Their continued failure to address this issue has had a significant negative impact on my creditworthiness and financial stability. 
Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvanias Identity Theft Protection Act ( Act 102 of XXXX ) : This law mandates that consumers have the right to dispute fraudulent information on their credit reports and requires credit reporting agencies to promptly investigate and rectify any inaccuracies related to identity theft. 
XXXX. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. Credit reporting agencies, including Experian, are legally obligated to investigate these disputes and correct any inaccuracies in a timely manner.

o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This federal law provides protections for victims of identity theft, ensuring that fraudulent information is not allowed to remain on a credit report.

Request for Action : I respectfully request that the CFPB intervene to compel Experian to : 1. Remove the fraudulent XXXX XXXX  account XXXX XXXX from my credit report immediately. 
XXXX. Confirm in writing that the removal has been processed and that my credit profile has been updated accordingly. 
The failure of Experian to comply with these legal obligations is causing me undue stress and financial harm. I trust that the CFPB will take the necessary steps to ensure that this matter is resolved in accordance with the relevant state and federal laws. 
Thank you for your attention to this urgent matter. I look forward to your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation  : 1 .  XXXX   XXXX  2.  XXXX   XXXX  3.   XXXX     XXXX  #  2   XXXX  also shows a high limit on a collection account which is also falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # 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 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: Checking or savings account

Here 's a revised draft of your request : -- - To Whom It May Concern, I am writing to formally request that JPMorgan Chase, through the Consumer Financial Protection Bureau ( CFPB ), acknowledge a critical error in their response to my complaint, [ case no. XXXX ] In their response, dated XX/XX/2024, Chase incorrectly referenced the date of the cashier 's check in question as XX/XX/2024. However, both my original statement and the check itself clearly state the correct date of XXXX XXXX, XXXX. This discrepancy must be corrected, as attention to detail is crucial in this matter, and even minor errors can have significant implications. 

I respectfully request that Chase issue an updated letter reflecting the correct date and ensure that all parties are made aware of this correction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

XXXX XXXX shut down my account on XX/XX/2020 with no warning, resulting in the cancellation of my upcoming flights and forfeit of all of my frequent flyer miles I had accrued. At the time of closure, I had a total of XXXX frequent flyer miles in my account, as well as upcoming flights booked. I earned XXXX total miles over the past 24 months, with a bulk coming from the sign-up bonuses offered on AA credit cards provided by Citibank and XXXX. Considering AA sells miles for roughly XXXX cents per mile, the loss of XXXX is {$10000.00}. AA has stated that earning sign up bonuses on multiple credit cards ( of which Citibank offers multiple types ) is a violation of their terms. I would like to be compensated over the loss of the miles I accrued via spending using their co-branded credit cards as well as the sign-up bonuses those cards offered. If AA deemed it a violation of their terms by earning sign-up bonuses on their different co-branded credit cards and Citibank still offered and solicited me to get different AA co-branded cards, I believe that is a deceptive practice that directly led to a financial loss to me.