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

I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 )  XXXX XXXX XXXX XXXX ( 3 ) XXXX  XXXX XXXX ( 4 ) XXXX XXXX   {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX   {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX ( 11 ) XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX and list of Inquiries 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 XXXX 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 card or prepaid card

I've tried three times to resolve this dispute with Chase bank. Chase continually sides with the merchant even with the evidence I have provided that XXXX is not abiding by their own policies. 

In the paperwork that Chase has sent to me, it clearly states on page 6 that XXXX allows 24 hours for cancellation for non-refundable purchases. Yet somehow, remarkably, Chase has failed to read the paperwork themselves and see that I made the purchase on XX/XX/2022, and I tried cancelling on XX/XX/2022 and I am within the 24 hour period. 

Chase 's failure to read through the paperwork has now caused this escalation to drag on unnecessarily for five months and is in no way indicative of their responsibility to consumer protection.
Product: Checking or savings account

Revolut has asked for me to verify my account funds. 

I have provided documentation, but they have frozen my account while they review. They have had the account frozen for more than 3 weeks. They have provided no email address for me to send documents, so that they can perform verification, and they have provided no means for me to contact them. 

I now do not trust that they even have my money, and I want to withdraw it, and they have said that I am not allowed to withdraw my money and close my account. My next step is to file a claim with the FDIC for the return of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX XXXX  KY XXXX ; XXXX XXXX XXXX XXXX  Balance : {$5100.00} ; XXXX 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, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX XXXX  XXXX : XX/XX/2021 XXXX  XXXX XXXX : XX/XX/2021 XXXX/XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXXXXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX  : XX/XX/2021 XXXX  XXXX : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Two medical bills showed up on my credit. 
XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$830.00} I only goto the Dr in my hometown and this isnt it. I have tried to dispute this but its still on there. Its the only thing plaguing my credit and I want it removed. I have also called before about this account but I just got the run around.
Product: Debt or credit management

On XX/XX/year> I started a program with the palisade legal group and they told me that they were going to charge me XXXX per month and recently I asked for my account statement many times and it turns out that I have paid XXXX and of that money they only paid XXXX to my debts and they took XXXX abusively. 

Forth is the company that collects the money and the one I spoke to at first was palisade legal group.
Product: Vehicle loan or lease

I was denied for an auto loan based on the worthiness of my consumer credit report. I find no respect, fairness, or accuracy of this denial!
Product: Credit reporting, credit repair services, or other personal consumer reports

Have no knowledge of this account, XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original  Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, Transunion and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX BANK XXXX XXXX XXXX : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted XXXX XXXX and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means XXXX  XXXX, experian, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to experian, XXXX  and XXXX. I called XXXX XXXX and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.
Product: Money transfer, virtual currency, or money service

PayPal limited my account and {$370.00} were held as a result. 
PayPal email : XXXX Phone number : XXXX PayPal had promised that I will get my funds back after XXXX days. 

Now I'm in immense distress after learning that the {$370.00} on my PayPal has been taken by PayPal for reasons I don't know because I had initially deposited the amount from my XXXX so I could pay for something, however I couldn't achieve that because the account was then limited and that put a big hold to my life. 

Currently I'm in debts and without a job. I know this may not matter to you, but if I cant get help and get some money back, given my current situation, I see no other way out and only intend to end my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Holloway Credit Solutions is reporting the same {$74.00} debt twice on my report. The original debt ( which wasnt mine and was supposedly removed from my report after I disputed it ) shows an opened date of XXXX. The newest one shows an opened date of XXXX. The date of first delinquency on XXXX is XXXX. The total debt on my XXXX report shows I owe {$140.00}. This is incorrect and the original debt isnt even legitimate. I do not feel comfortable contacting this company or any debt collectors. I need this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

Im being charged by XXXX XXXX {$5800.00} for an apartment I never rented. They have now given the duty to collect to National Credit System. I have never even been here they are saying I signed a lease online which I believe is not correct. I have never even been there. Its been on my credit since XXXX. Please help me get this off because I havent done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened : XX/XX/year> amount : {$1100.00}. 
I tried many times to call this company, they did not respond.
Product: Credit reporting or other personal consumer reports

I have made XXXX attempts to verify my identification due to fraudulent activity on my report as well as the misuse of my information by an unknown source. I have sent proof of identity with no response or being asked repeatedly for the same information which I feel is a stall tactic at this point and its hindering me from being able to properly dispute per 15usc 1681 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and I have no knowledge of the debt that is being reported. I need these accounts removed today. I have attached a cover letter, id, social, and ftc report. Please refer to the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Student loan

as i cosigner on my daughters student loans, i have attempted to contact the service co. regarding a payoff and more recently after reading through the CFPB website, sent a request for release of the loan. my reasoning is i have retired and have significantly less income and my daughter has ( 1 ) been making payments and, ( 2 ) has been gainfully employed since she completed her residency. 
as seems to be the normal for this firm, i have not gotten a response. i sent the letter XX/XX/XXXX via email. i used a template from the CFPB site which requests a response whether accepted or not. it is courtesy to respond.
Product: Money transfer, virtual currency, or money service

Well my cash app account was closed with my tax refund payment from the IRS I had no idea that my cash app account was closed for some reason the representative said I'm linked to some sort of violation of their policy which I have no idea about have not been in my classroom for a very long time since XXXX XXXX I have provided it every piece of anything to prove it because multiple documents of my daughter education please text papers and amounts and everything else instead of me access to my account I forgot my and what it is associated with psychiatrist employment or I no longer have I moved a long time ago they're not trying to update my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX of XXXX, I filed several disputes regarding XXXXXXXX XXXX XXXX regarding the amount owed and the balance. As well as that they were reporting it twice on my credit report. I also asked for a personal statement to be placed on my account and it was not. 

Transunion indicated that they XXXX XXXX had verified the debt, but did not demonstrate how they verified the accounting ( balance ) to be accurate. Nothing was addressed regarding the duplicate reporting on my credit report by either XXXX XXXX or TransUnion. Some months back I had also filed a dispute regarding it being a duplicate. 

I further supplied them with written correspondence from XXXX XXXX that admitted that they had not provided me with statements and offering me a settlement check. I have requested numerous times to have an accounting but only have been provided data entries that do not demonstrate the reduction in principal and interest. As well as, the balance owed being reported as different amounts at different times to different entities including myself. 

On XX/XX/2022, by certified mail # XXXX I wrote TransUnion as a follow up ; it was delivered XX/XX/2022. 

Under the Act I requested that they remove this inaccurate information and place a statement on my credit report. To date they have done neither.
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. I told the Experian, XXXX, reinvestigate these or delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is tha possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to delete accounts that isn't reporting correctly. 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 An other adverse item of information other than records of convictions of crimes which attendant the report by more then several years. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter stating inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet. I feel like I'm being ignored of my disputes nothing is happening. XXXX XXXX credit can't even provide me with an explanation of why they reported anything late. they can't even find the file they said it was too old and erased from their system. I never missed a payment at all. It states in Section 611 ( a ), in clear sight that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days and still no word so by law they should be deleted as soon as possible. I demand these accounts to be deleted immediately if not I will file a litigation due to the stress that's have been caused. I believe my info was impacted by the XXXX data breach and could've gotten into the wrong hands. 

The date opened is different from the other bureaus, the high credit limit is inaccurate, the last reported date is inaccurate and the last active date is XX/XX/XXXX on XXXX which is obviously inaccurate.