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

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
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: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all 3 credit Bureaus about this XXXX XXXX # XXXX start account that's inaccurate on my credit report. I've also contacted the creditor which is XXXX XXXX about the account, I have asked the creditor and the credit bureaus for proof of the account bearing my signature of the account, I have asked for the original sign contract which I am allowed to see if its my account, the account is being reported inaccurate and I've repeatedly asked for copies of the original contract that has my signature on it they have failed to do so ... I am by law entitled to see the copies for the contract from the creditor
Product: Credit card or prepaid card

My wife and I have been fighting {$9800.00} of fraudulent bank transfers from our XXXX XXXX Credit card which is backed by Bank of America for over a month now. It happened on XX/XX/XXXX and we caught the transfers 6 days later. That card had a {$0.00} balance on it for over 4 months and we only check it once in awhile to make sure there aren't any charges on it. The person who got into our account changed our spending alerts to a temporary email so we never received any alerts. There were 2 balance transfers, one to a XXXX XXXX XXXX for {$2000.00} and one to a XXXX for {$7000.00}. My wife and I do not own a XXXX card nor did we have an account set up with a XXXX XXXX XXXX that we have never heard of. After having the claim re-opened 3 times and no success we decided to make an appt with B of A with a relationship banker, she sent in our credit file that we pulled from XXXX showing that we did not have any open XXXX cards along with our police report. A few days later we get a letter stating that once again, claim is denied. B of A told us to get proof showing that we do not have accounts with XXXX and XXXX XXXX Bank, both of which we have called and were told that we need to have B of A claim a fraud alert before they would release any proof. I have just submitted a complaint to CFPB and later will be contacting a lawyer. PLEASE, stay away from B of A credit cards!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.
Product: Debt collection

I did not get proper notification of the debt and I request this debt to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed certified copies of disputes to Experian ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ) via USPS. They were delivered and processed, however, they did not comply with what I asked them to do. I asked them to properly investigate these inaccurate accounts that were reporting on my credit report. They failed to properly investigate these accounts AND send me proof of their investigations. 

On XX/XX/XXXX, I mailed a 2nd round of disputes. They still came back with the same results but not telling me HOW they are coming up with these results. Experian ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ). The results came back VERIFIED and UNCHANGED but still no explanation on their findings. 

According to 15 USC 1681 ( i ) 7, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

As of XX/XX/XXXX, I have mailed a 3rd round of disputes to these agencies hoping they will comply and DELETE these inaccuracies since they are failing to properly investigate and follow federal law. Experian ( # XXXX ), XXXX ( # XXXX ), XXXX ( # XXXX ). 

These accounts listed below are in questioning and should be properly investigated and REMOVED IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

Before I retired from XXXX in XXXX, I paid for a trip with XXXX on my Chase card. It was {$2700.00}. Then in XXXX  I purchased another trip for {$990.00}. The company went bankrupt in XXXX. I had paid extra for insurance but the insurance company had pulled out in XXXX, which I didnt know. Chase would not refund my money because it had been more than 538 days since I paid for the trip. But it had only been a week since they had gone bankrupt that I contacted them. How was I to know they were going to go under and Id lose my {$4000.00}?!
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation imposed on my PayPal account, under the email address XXXX. I firmly believe that this limitation has been placed on my account due to a misunderstanding or mistake, as I have not violated any PayPal policies or engaged in any unauthorized activities. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user without any previous incidents. It is with great surprise and concern that I received the notification about the permanent limitation on my account. I have always adhered to PayPal 's terms of service and have maintained a clear understanding of the policies outlined by your esteemed organization. 

I kindly request that you reconsider and re-evaluate my case thoroughly. I urge you to conduct a comprehensive investigation into the circumstances that led to the imposition of this limitation. I am confident that a review of my account activities will reveal no violation of PayPal 's policies, as I have consistently conducted legitimate and legal transactions within the framework of the service. 

In light of the above, I respectfully request that you restore full access to my PayPal account. I understand that mistakes can occur, and I am hopeful that this limitation is the result of an oversight or misinterpretation. I believe in the fairness and integrity of PayPal 's processes and trust that my account will receive the attention it deserves. 

I kindly ask you to review my case diligently and provide me with a prompt response regarding the outcome of your investigation. I am eager to resolve this matter as soon as possible, as the limitations placed on my account have caused significant inconvenience and disruption to my personal and financial affairs. 

I appreciate your attention to this matter and thank you for your understanding. I remain confident that PayPal will reevaluate my case with the utmost fairness and rectify this situation accordingly. I look forward to a positive resolution and the restoration of my PayPal account. 

Should you require any further information or documents to assist in your investigation, please do not hesitate to contact me at the provided email address or phone number. I am more than willing to cooperate fully and provide any necessary evidence to support my claim. 

Thank you for your time and consideration. I eagerly await your response. 

Yours sincerely, [ XXXX XXXX ]
Product: Mortgage

I would like to dispute some incorrect information found on my credit history from back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding some type of monthly payments made to Chase on an unknown account # XXXX this account never belonged to me and would like to have this information removed/deleted please call me at XXXX or email me at XXXXXXXXXXXX, asap thanks.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV FUNDING LLC began showing as collection on my credit report. I googled the number and called. They advised it was a credit card debt, but would not provide me with information needed about collection. I have disputed with credit reporting agencies and it was deleted, but has now showing back up on the reports. The credit card company has been predatory by adding fees and other charges that we not owed. I closed credit card due to predatory practices and had a balance less than {$100.00}. They have added fees and created over {$600.00} of fees that I am not liable for.
Product: Mortgage

NewRez Mortgage XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  Month 's in a row I've had to call them to receive a payment statement, once received it's already past due + taking XXXX weeks to actually cash the check. 
I've called customer service XXXX  times only to have them tell me that they'll file a complaint and to go online to pay my bill but, the online website doesn't work. 

This company is intentionally jeopardizing the credit of their customers who only want to pay their bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking over my credit report and there were a number of addresses that I would like to remove from my report. 

I request removal due to inaccuracy, to prevent Identity theft, as I am not reachable at the addresses or the phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contract Equifax about a charge off account that they are still showing a balance and past due amount. Try to explain to them you cant have a balance or past due amount on a charge off account. Its showing like this every month XXXX they drop my credit score by XXXX points just for disputing the account. I ask how verify and closed investigation after 2 days saying creditors verify information and will not remove account information.
Product: Credit card

Basically, they locked me out of my XXXX  account for weeks. I will fill in more details at a later date. 

Not allowed to lock the card Not allowed to reconcile. 
Not allowed to figure out if transactions were legitimate. 

No online access at all for weeks Many excuses made. Many phone calls made. Too time-consuming banking there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage account was closed and transferred to another lender. I have a good reporting status with this account for 16 years, but now account shows as closed. It was the longest reporting account I had, but now has negatively impacted my credit score by XXXX points due to closing status!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect information about me. The alleged collection account for XXXX XXXX XXXX is listed as being open and with a past due balance of {$130.00}. This is a violation of FCRA and is in violation of requisite of METRO2 compliant reporting standards.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that my personal information has been compromised. As a result, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA XXXX ( b ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I just bought a new house through inspire home loans after adding my own home owners insurance the payments we're supposed to drop by XXXX dollars a month, they just informed me that they gave my loan to another mortgage company XXXX XXXX they did not even tell my why and they did that and the new mortgage company XXXX XXXX XXXX doesn't have the new payment I was told by inspire home loans that it would go down in XXXX, and now that they switched my mortgage to XXXX  they are still going to charge me the original mortgage payment of XXXX a month it was supposed to go down to around 1400 a month because my homeowners insurance XXXX is only XXXX a month compared to thir insurance XXXX  a month they are pocketing the XXXX # this is fraudulent activity on inspire home loans and the new mortgage company XXXX XXXX XXXX I was never given a reason for them to give my loan to another mortgage company no emails letter in the mail nothing I expect this to be fixed ASAP, sincerely yours XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XXXX XXXX, XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX, XXXX see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XXXX XXXX, XXXX XXXX PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.
Product: Debt collection

I have a collection account reporting on my credit files ( XXXX, XXXX and XXXX ) named XXXX XXXX. The account is listed below : 1. XXXX XXXX ( Account Number : XXXX ) I am disputing this collections due to the fact that XXXX XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX