23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for weeks to get on to my Credit Account at Experian - All the consumer numbers they give only give you 2 choices and you can not get a live person. Once logged in the web site all my sign on info is correct and then my Account info is correct and it tells me OOps can't help you. Finally called Corporate XXXX ( the only number you can talk with someone ) 4 times and was transferred numerous times each time to at least 6 or 7 people, each one telling me something different. I finally reached a supervisor who told me that it appeared that my report was mixed with someone else and I had to get a hard copy to check it out. I spent at least 6 hours on the phone with these people and if on the first contact would have been relayed correct info would have saved me a bunch of time. I have never witnessed such poor consumer support in my career - which is tech-support ( with the exception of XXXX the last individual ). This is my information they data mine and make money from and yet they make it impossible to access. Should be fined - ( probably will have a data breach like XXXX  did a while back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I always got paper statements on this account. Once I paid it, I didn't receive another bill, but shortly after, I got a 30 day late on my credit report. When I called to check what was going on, they said I had an {$8.00} interest charge on the card that wasn't paid. I begged for this to be removed - there was never a bill stating I owed anything else, as I of course would have paid it. This was such a small amount and this is the only negative mark on my credit report. I have had this card for over 14 years and NEVER been late. I was never notified that I owed anything else and I tried to work with them on this and they wouldn't do anything. To top it off, I paid this card in full during the pandemic. I can't believe i was penalized during this time of crisis in our country. It is effecting me in every way today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper Marketplace XXXX XXXX.Ca.XXXX. XXXX They pulled my credit report on XX/XX/2017 this pull was a hard credit pull. I was not informed it was going to be a hard pull there web site says soft pull that will not affect my score. I have not received any loan after the date they pulled my credit report or received any letters in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not enter into an informed agreement. I first made a decision prior to receiving an agreement. There was NOT two consenting parties in this agreement. 
I was UNINFORMED on basic facts such as I needed two consenting parties to make the agreement, I needed an understanding of what was in the agreement as it was NOT conspicuous nor clear of what I agreed too especially since I did not receive the agreements until after the 30 day period, I was supposed to be able to make an inform decision. I did not know the cost to me of what may come from this credit. I did not know the subject of the agreement when I made a decision. 

It is a person of whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness OR if there is no such evidence of indebtedness by agreement. Meaning on the face of that uninformed decision there needed to be evidence I owed them prior to receiving the card so they created an agreement I was unaware of and would not receive without informing me in order to create false debt. 

Because of the uninformed decision the contract and agreement was null and void at the beginning. 

15 USC 1643 ADEQUATE NOTICE. 
Basically says that Discover should have made sure I 100 % understood the terms and agreement as well as received the information prior to signing up for it. Not only did I not actually sign anything by hand but by clicking a button that Discover themselves used a electronic signature they themselves created for me in place of my own signature, by I was unable to receive any information prior.
Product: Prepaid card

Dear Sir/Madam : I bought the {$250.00} Vanilla prepaid card ( XXXX XXXX XXXX XXXX ) at XXXX XXXX on XXXX XXXX. I paid {$1.00} to XXXX XXXX for verify the card works or not. Then I used the prepaid card without any problem. But I closed XXXX XXXX account later, XXXX XXXX refunded the balance {$590.00} to the VISA Prepaid card. But the card doesn't work. I called the VISA company, the agent told me they can see the VISA prepaid card has {$590.00} on balance. and he opened a ticket ( XXXX ) and wait until XXXX business hours. 
I called them again, another agent said the ticket was still opening, let me wait another XXXX business hours. 
I followed this case again. One lady told me, the ticket was still open, and asked for the documents. But I have never received any notice for it, But I send all of the documents ( photos of the original card, receipt, and the original package ). She said, I will get a replacement card later. 
Then I received a email from XXXX, the email said, I need provide a copy of the original purchase and return receipt for the XXXX XXXX return. I called XXXX XXXX, they said my account is closed already. they can not provide anything to me. 
I called Incomm again, the first agent said he can not do anything for it, I asked for transferring to the supervisor. Then the supervisor still told me they need the copy from XXXX XXXX. She promised me, I will get a call from a manager in XXXX business hours. But until now, no one contacted me. 
As a consumer, I simply used this company 's prepaid card, received a large refund, and then restricted this credit card. And then refused for various inexplicable reasons.This money is too important to us for current economic environment, everyone is struggling to survive. But this company 's approach leaves consumers sad and disappointed. 
I hope that with your help, you can help me recover this XXXX dollars. This would be a huge help to my XXXX  family. Thank you for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP.. I am trying to get a job promotion which obviously comes with a raise.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont work for the city and I never been to the XXXX nor know anyone affiliated I need those accounts taken off asap I was a victim of identity theft and its crippling me
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. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # 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: Debt collection

I was never notified that I had an opportunity to dispute this debt. This has been added to my credit report and they haven't even sent me a notice validating the alleged debt -- This company is in clear violation of the credit collection laws -- also they never even stated if they can collect in my state, and they have never even confirmed that the statute of limitations have run out for this debt According to FDCPA codes ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;
Product: Credit reporting

I get an account report with Equifax showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around
Product: Checking or savings account

Hi I deposited a check on XX/XX/2022, I've got a notice that my funds will be available until the XXXX of that XXXX. We'll I also got a email saying that they got confidential information saying that the check might not have funds. I called and complained bout that. I told them I would be cashing check which was something I know we can no longer do since it is signed already but I told them that. Then I asked my uncle for a loan since I had that hold, he gave me an old check he had been wanting to deposit for some insurance claim of himself. Well that was a good old check but withing the expiration dates. But soon after that deposit I had my online access blocked and said that my account will be closed after investigation itll take approximately 30 to 60 days but I on my daily notification of my daily balance which I'm still getting for checks have been cleared and they are both available for withdrawal but bank won't let me I need to pay my mortgage asap
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited {$3900.00} into my Coinbase account via a bank transfer. After the 10 day holding period I was informed I could now trade. When I tried to make my first taste I received an email that suspicious activity was detected on my account. I answered immediately tell them to cancel all transactions and disable my account. No confirmation was received. My account has been temporarily disabled since then. Despite several emails to support only response has been that an account XXXX was reviewing and I would hear from them in 4 to 5 business days. Its been nearly 3 months and no response. I have no idea if my money is still in my account.
Product: Credit reporting or other personal consumer reports

There are items currently on my consumer report that are in violation of the Fair Credit Reporting Act. Please see the attached documents for the specific details. Thank you.
Product: Vehicle loan or lease

On the day my vehicle was repossessed my balance owed on my account was {$86.00}. When I talked with Bridgecrest they indicated that I owed {$490.00}, which would be the {$86.00} plus the original payment amount that was not yet due. In order to get my vehicle back they wanted me to pay {$1400.00}, which was impossible. This all happened in the midst of the pandemic and no offers were given to me to be able to catch up on the {$86.00} that was not even past due at the time of repossession. My account showed current the entire time. I was unable to come up with the amount they wanted to get my vehicle back so I allowed them to keep it. Almost 2 years passed before anything showed up on my credit report. I have received no communication from them whatsoever and there are no options available to pay on my account.
Product: Credit reporting or other personal consumer reports

I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX 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

Someone used my personal information to try to obtain credit cards and automobiles which caused several inquiries that was not authorized by me the following inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX I was victim to a phishing attempt posing to be a XXXX opportunity from my college. I happened to apply to several work study programs and internships to help pay tuition. In this email I was asked to provide some details such as my name and Banks ive used. I gave those details and was given a check to deposit. From here I sadly deposited the check into my Capital One 360 XXXX account using XXXX deposit. The check provided below was for {$950.00} dollars. Over time I caught on to the scam as he was asking me to send money without the check being cleared. But now my account with Capital One has already been restricted. I called the day of to get the check disputed but I was told it was still processing and would be available on the XX/XX/XXXX where I could go about disputing the check. Today XX/XX/XXXX I was told my account has been restricted and Based on the results of our review, your account ( XXXX ) XXXX be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. Please if there is any information or details needed to prove this was a honest mistake and I was scammed I would gladly provide anything needed. I have no prior history of fraud nor do I have a criminal record of any sort.
Product: Checking or savings account

My account is on hold and has been on hold for over a week now. Ive sent in the documents requested, Ive followed every instruction. My account is on hold because I used my own money from my own saving accounts. This has caused a huge inconvenience for me, because I now have money that is still in the account but dont have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to the closed complaint : XXXX by XXXX on the alleged debt of {$66000.00} for account number XXXX. I am submitting what I sent to this company, XXXX I, in return, demand that this company removes this alleged debt of {$66000.00} from my consumer report due to the unlawful fact this company is UNABLE to produce documentation stating that this alleged account ending in XXXX belongs to me. XXXX has yet to produce any exhibits that gives the jurisdiction that i voluntarily gave consent to enter any contract with my WET INK signature ( XXXX has only produced a document that does NOT consist of my handwriting WITH a FRAUDULENT autograph signature ), photo ID, thumb print, video footage, hair follicle or phone recording that I gave any consent of this alleged debt. This is causing myself true harm and XXXX because I am unable to provide a home for my children due to this alleged debt on my consumer report. This company 's unwillingness to remove this alleged account and debt from my consumer report has eve caused me to feel threatened and harassed by their company by attempting to contact me via telephone, as I will only accept in WRITING from this company that this alleged debt has been removed from my consumer report. This company responded stating states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I reject the contract of doing so, as i do not sign contracts of third parties and none that i don't consent to. This company does NOT have my consent and never had of reporting any information regarding my natural living person. I reserve my rights, as this is a special appearance through this portal, not general. According to the UCC ( powers that be ' knew that all commerce is ruled by the Law of contracts ) no contract ; no case. I will seek legal action as the fraudulent documentation was written by someone other than my natural living soul, is fraud and from this companies conception i believe is used to extort money from me. I have filled out a police report and filed an FTC complaint long before this company " responded '' to do so, in the year of 2020. This company 's unwillingness to comply with my natural living rights has become unlawful and a meaningless investigation.