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

I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX. Investigate the disputed items and remove them as quickly as you can, in accordance with Federal law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To date, I have not received a response. 

I dispute the accuracy of the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ) account information being reported. Specifically, I do not agree with the reported balance of {$5100.00}, as I recall the amount being lower. Furthermore, I request that any information regarding past due amounts be deleted as this account is closed and charged-off. 
Given the impact that changes to my credit report can have on my credit score, I request that this account be marked as disputed to prevent any further negative impact on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen back in XXXX and ever since strange account been popping up on my report. I tried to freeze my report but it didnt work.15 usc 1681 states that these negative collections and inquiries are fraudulent and abuse to my financial independence and the 3 credit bureau are reporting wrong information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX The following accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.
Product: Money transfer, virtual currency, or money service

I would like all of my transactions refunded to my account that was promised
Product: Credit card or prepaid card

I was robbed of my personal belongings and personal info back on XX/XX/2020 which included information to my PayPal mobile app which allowed the robbers to change all information to my mobile app and gmail XXXX preventing me to recover it. 
The robbers also unauthorized transaction that was disputed and credited back to this account. 
I have have spoken to the message center at PayPal on many occasions due to the fact that PayPal want allow consumers to speak to a live rep on the phone and tried to get the remaining funds transferred to my new account I signed up for with the my new email account XXXX but PayPal refuses to give me back my money.
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. 

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 XXXXXXXX XXXX : XXXX, has violated my rights. 

I looked at my Equifax credit report on XXXX 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 suppose 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.

and according to 15 USC 1681s-2 they are suppose 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 inaccurate.

15 U.S.C. 1681B ( 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

Can not contact support! Support for cashapp isnt real people they are generated bots who dont help much with financial issues
Product: Credit reporting or other personal consumer reports

Reporting of these accounts listed below on my consumer report without my consent. These are in violation of U.S.C Code 6801 Protection of non public information and U.S.C Codes 1681b and U.S.C Code 1666b illegal reporting of lates Permissible purposes of consumer and reporting time to make payments ARIZONA CHILD SUPPORT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXXsomeone made 2 hard inquiries with my info to XXXX. OnXX/XX/XXXXa {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with XXXX  and the bureaus. As of today XX/XX/XXXX XXXX  still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at XXXX and XXXX at XXXX today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The XXXX police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to XXXX  was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If XXXX had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXXXXXX XXXXXXXX # 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 XXXX 9014 .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to TransUnion in regards to claim number XXXX. I am not working with a credit repair company. Attached is the same letter signed with my license, passport, and proof of address which will also be mailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

My Capital One Credit Card for the statement dated XX/XX/2020 was {$18.00}. The statement balance Id {$18.00} was paid in full in XX/XX/2020. Well before due date of XX/XX/2020. However onXX/XX/2020Capital One debited my checking account for {$18.00} despite fact statement balance had been paid in full. 
I reached out to Capital One via XXXX on XX/XX/2020 and was told to call XXXX. 
On XX/XX/2020 I called and was on phone from XXXX XXXX to XXXXXXXX 
I was told even if you pay statement balance in full Capital One will still debit your checking account for the minimum monthly payment despite fact statement balance is zero. 
I do not feel checking account should be debited for minimum monthly payment if statement balance has been paid in full before due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) For XXXX Consumer I have asked to please mail me the proof of the investigation and to remove this account and they have failed to this is the 3rd attempt the XXXX # XXXX balance of XXXX 2 ) Also on XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX told them to please provide statements made and missed since I opened this account they failed to show proof and to update the account they also have failed to show proof or update the account. 

3 ) XXXX XXXX XXXX XXXX # XXXX XXXX I never had a contract with this debt collector for any debt. And I'm asking to get it deleted which they are also refusing to do or send me the original creditor that this debt collector owns this debt and has legal authority to collect. 

4 ) XXXX XXXX XXXX # XXXXXXXX XXXX They fail to provide me statements and records of all payments made and missed since I opened this account. 

5 ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Balance {$0.00} They have this account listed negatively These inaccuracies are highly injurious to my credit rating and I want it delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  remove from my report at all   XXXX   credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consume.

HERE IT CLEARLY STATES AND THIS IS LAW ACCORDING TO 15USC 1681B ; THAT ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ; COURT JURISDICTION, SUBPOENA, OR IN ACCORDENCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER! 

XXXX XXXX XXXX XXXX XXXX XXXX  These are THREE accounts on my credit reports.

TO ALL THREE CREDIT REPORTING AGENCIES PLEASE EMAIL ME A COPY OF THE PAPER WITH MY WRITTEN INSTRUCTIONS GIVING MY PERMISSION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORTS!
Product: Bank account or service

I applied a checking account with BMO Harris on XXXX with a promotion code. The promotion said that I can get {$200.00} bonus if my account receives direct deposit over {$300.00}. I opened the account at a branch and also showed the promotion letter ( code included ) to the banker. Every month there are XXXX direct deposits going to that checking account from my employer. But until today XXXX/XXXX/2016, I have n't received the bonus. I called BMO customer. The representative asked for the promotion code when I opened the account. Well I do n't have it since I threw it a few months ago. I do n't know what to do now..
Product: Credit card

On XX/XX/year>2024 My XXXX Capital One XXXX XXXX  were restricted and closed without no notice or anything. I barely received my Capital one Savor XXXX XXXX/XXXX/2024 and went on a normal day using it it to purchase groceries, subscriptions etc. Then next morning All XXXX of my Credit cards were restricted and closed I immediately called Capital One and the first XXXX Agents were nowhere near help at all telling me to just wait for the document to come in and The XXXX Agent XXXX was at least helpful on doing more research but he had told me that my accounts were flagged I believe by the system and it automatically restricted and closed it off. What a ridiculous way to automate something that can not be reverted at all if wrong.
Product: Credit reporting

I am requesting the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). 
( a ) The name of the creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute. 
For the City of XXXX XXXX Accounts # XXXX, # XXXX, # XXXX # XXXX each time I dispute theses accounts the company respond " Please contact credit grantor at XXXX and ignores the reason for my dispute. Theses accounts need to be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following items on my Transunion consumer report under the basis that Transunion did not follow the permissible purpose law under the FCRA. 
Accounts : XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX inquiries : XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Transunion is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose. 

" 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) 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 '' If you can not provide me proof of my written instructions giving you permission to furnish each of the following 25 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately. 

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$25000.00}. ( {$1000.00} per violation for the 25 items i disputed )
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX  for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

CXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts off my credit profile from XXXX, XXXX XXXX and Equifax immediately. 

XXXX XXXX XXXX XXXX  2021 {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information, bad phone numbers and reporting an account ten years old. ( XXXX XXXX XXXX ), I have sent certified documents to XXXX XXXX and have receive no response and lastly XXXX XXXX is reporting a 30 day late that is inaccurate.
Product: Credit card or prepaid card

I just logged into my XXXX account only to find that I had an inquiry from TD Bank from XX/XX/2020. I have never applied for a credit card with them and I live in a state that they are not known so unsure where they are coming from with this inquiry