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

RE : You Violated the United States Code Law 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 
The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

Notice, Congress said ANY card. 
The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my right 15 USC 1681a ( 2 ) ( B ) in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Code XXXX Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today I looked at my credit reports and noticed inquiries that are inaccurate on my report. These inquiries violates my consumer privacy rights under 15 USC 1681. 

XXXX XXXX Via Dealer, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. 

I attached proof.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken.
Product: Money transfer, virtual currency, or money service

To whom this may concern ; I recently had an unpleasant customer experience with PayPal. I opened my PayPal account earlier in XXXX and included my debit card information. The purpose at the time was to utilize PayPal as a secure service to make online purchases. I however rarely shop online and therefore have had no need to use this account. 
At XXXX Mountain Time on XX/XX/XXXX a transaction to XXXX XXXX XXXX transaction ID XXXX ) with a contact e-mail address of XXXX in the amount of {$510.00} occurred on my account. I received 3 push notifications from PayPal indicating possible unauthorized transaction occurred. I woke up on XX/XX/XXXX in the morning, received the notification and immediately logged into my PayPal account. In which a security prompt indicated to change my password due to possible unauthorized activity that occurred. I changed my password and then opened the a dispute case. That was XXXX on XX/XX/XXXX. 
At XXXX I received an e-mail indicating, Weve completed our review of your unauthorized activity case and weve determined there was no unauthorized use. Based on our review, we found this transaction to be consistent with you PayPal history. 
In the above sentence transaction to be consistent with your PayPal history '' is incorrect because I have never used my account so I had no transaction. 
My next contact with PayPal was when I attempted to go back online and re-open the case. I was unable to do so since their system prevents cases to be re-opened on the same transaction. I then attempted to contact PayPal to speak to a fraud representative, to share my story and experience. Hold times were too long, therefore I selected a return call option. I then opened a chat message and requested the funds returned and that the dispute case to be reopened. XXXX was the representative on the chat. They indicated they were not going to re-open the case and that I can write in for an appeal process. 
The automated system returned my earlier call in which I spoke to a XXXX with a thick accent. I asked to specifically speak to the fraud department. XXXX stated he was the person to speak to. I asked if XXXX XXXX 's profile was reviewed for fraud, and if IP addresses were looked at to confirm that the transaction did not occur from one of my devices. XXXX stated that each dispute case is handled by a person and that my account did not appear to have an unauthorized third party activity. When I asked for the criteria it was reviewed against he told me to speak to the legal department and send in a written dispute. 
My frustration with this company is not only the fact that an unauthorized {$510.00} transaction occurred from supposedly secure company but that in every instance I attempted to share my story no one was willing to listen or go the extra step to reassure me that the account had been fully reviewed. 
I would like a fraud investigation opened on the person who hacked my account and my funds returned to me.
Product: Vehicle loan or lease

The auto house in my city was scamming people big time it was all over the news and I was one of the customers involved. I went in to purchase a car and they had just got a trade in. They immediately sold me the car without checking the car out. I was promised that if I found anything wrong to bring it to them to be fixed free of charge. After 2 weeks I tried to get them to start fixing some major problems such as no heat, XXXX converter clogged up, and more they failed to honor their word. The car barely ran and I let them take it back. I need them to remove that crap from my credit report it's really hurting me.
Product: Credit reporting or other personal consumer reports

My home was destroyed by flood in XXXX of XXXX due to hurricane Ian and declared a XXXX disaster area. As a result we requested and were granted a disaster area forbearance on mortgage number XXXX. The home had to be rebuilt and was rebuilt in XX/XX/XXXX and ready for move in. We requested with Rocket Mortgage a loan modification on XX/XX/XXXX and were told on a recorded line that we did not need any paperwork because we were in a disaster recovery forbearance. We then received a notification later on the next day that Rocket Mortgage did in fact require paperwork for the underwriter. We started the application requirements prior to XX/XX/XXXX. The forbearance expired XXXX XX/XX/XXXX. We turned all documentation in a timely manner as request and Rocket Mortgage still reported us 180 days late to all three major credit bureaus dropping me and my wife 's credit over XXXX points while we await a loan modification decision from their underwriter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter XXXX XXXX XXXX XXXX showing my credit score.XXXX XXXX FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with Equifax/XXXX XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter
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. 

Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

According to credit Act 15 USC 1681B permissible purpose of consumer reports. This law states in general that unless a consumer reporting agency has your written instruction they are not to furnish anything to your report. I did not give consent which is written instructions an also credit Act15 USC 6802 obligation with respects to disclosure of personal information I have already filed a complaint once XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your 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 accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, 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 these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XXXXBalance: $XXXX
Product: Mortgage

On XX/XX/2019 I bought a home with XXXX XXXX  at XXXX XXXX, XXXX TX XXXX. 
I would like to file the official complaint against XXXX XXXX and Eagle Home Mortgage for unethical business practices, as the home buying was not fair, and it was not at all transparent which resulted in mental anguish and monetary losses. I have listed my complaint in the details below : XXXX is unethical in its business practices. They have the finance company Eagle Home Mortgage. The business firms focus on the pursuit of self-interest of their owners : profit maximization by violating the individual rights. 
Taking advantage of customer by not disclosing closing dates and process in timely manner. XXXX home moved the closing date without buyer consent and not giving enough time to choose the lender, forcing the buyer to go with the XXXX i.e. Eagle Home Mortgage. 
Company employees XXXX XXXX, XXXX XXXX, XXXX XXXX threatening the buyer for consequences of losing the deposit and loan denial if buyer went with another mortgage company. 
Non-Disclosure of information related to home loan. Resulting in a tremendous amount of stress and anxiety for buyers that resulted in Emotional distress. 
Eagle Home Mortgage charged higher rate of interest and closing fee and don't gave the incentive they promised which resulted in monetary losses. 
Non-Disclosure of information related to the PID tax during the home sale price negotiation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I have the EDD transfer over the amount of {$990.00}. However, I went to the local bank in XXXX XXXX and withdraw, it only has {$90.00}. I called the EDD the same day and was verified that I have a {$990.00} transfer in the card on XX/XX/XXXX. I check my bank of America account and was shocked to learn that someone has withdrawn my XXXX  out of the EDD right after the moment my money went in and it was in XXXX, CA. I called the BofA reported and was told to wait and they will call back next week, which is XXXX XXXX XXXX. However, THEY NEVER CALL BACK! Instead, they send me a letter stating my CLAIM WERE CLOSED! On the other hand, I received the new card and tried to activate it just to found out that my account was FREEZE! Seriously BOFA?! You knew it was a fraud that's why you freeze the account and then you claimed that my claims were fake without any proof?! Why the heck you freeze my account if you think that it was fake?! BOFA knew from the beginning it was a fraud. They failed to protect my information that allows the hacker to stole the money. You said you will call back for more information but you didn't because you knew, it was a fraud but you just don't want to give my money back. YOU STOLE MY MONEY! I DON'T CARE WHATEVER IT IS, YOU STOLE THE MONEY! Do you want proof? Easy, check the history transaction, the area I lived is in XXXX XXXX, WHY THE XXXX I WITHDRAW IN XXXX? Want another proof? PULL THE SECURITY CAMERA DOWN AND LOOOK! Don't ever tell me you can't. A BIG BANK AND HAS NO SECURITY CAMERA? YOU invited the fraud in yourself, don't blame others. Want another reason? PLENTY OF AMERICANS REPORT the SAME ISSUE, and yet you IGNORE AND STOLE THEIR MONEY! IT IS HILLARIOUS THAT I REQUEST TO SPEAK TO MANAGER AND SUPERVISOR AND NO LEADER DARE TO SPEAK WITH THEIR CUSTOMER! Try to run away? The whole management and leadership in BOFA are XXXX! THEY CLEARLY KNOW THEY HAVE ISSUE BUT YET THEY IGNORE! ANOTHER THING, MY MOM ACCOUNT ALSO GOT HACK, WE REPORT IT THE FEW WEEK BEFORE MY ACCOUNT GOT HACKED. LIKE seriously?! You clearly have a problem. IF YOU INSISTED THAT MY CLAIM WERE FAKE, THEN PROVIDE PROOF!!!!! WHERE IS THE PICTURE THAT I WITHDRAW AT THE BANK! GIVE ME THE PROOF! IF you try to give a random reason, well I will go directly to XXXX XXXX BRANCH and ask how did they leak my information because I withdraw the money over there all the time, if my information were a leak, it was the place leaking my information. And if you try to say that it might get heck when I used my card somewhere else!!! Then let me tell you, forget the reason because I USED XXXX XXXX. I ONLY WITHDRAW THE MONEY AND DEPOSIT IT IN MY XXXX XXXX! XXXX was way better than you!!!! That's why my entire family moved from BOFA  to XXXX! And let me be clear with you, don't ever think you going to get away with my {$900.00}, I already said on the phone with the representative, I was not let you go easily because this is the SECOND TIME. Tell your management team don't hide and come out and speak to the customer.
Product: Credit reporting or other personal consumer reports

Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware if any of this. 
Please REMOVE ALL NEGATIVE ITEMS THAT IS DEFAMING MY REPR this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off huntington bank in 2013 XXXX.they people from the XXXX XXXX keep saying I owe XXXX I talked to a guy there he said do n't worry about it he 'll make it a charge off.they do n't send me a letter or anything.there number is XXXX
Product: Credit card

XX/XX/year> I was having issues with my current card, which has a XXXX balance, and I called XXXX XXXX, but they said it was a bank issue. I called the back Synchrony multiple times with no solution. Synchrony Bank, so I requested a newly created account so I could make a purchase. Now Synchrony is not allowing me new credit or using my current credit card. below is the answer I received to my request for more credit. 

We're sorry we were unable to prequalify you at this time. You will receive written information about this request in XXXX days. Please be assured that your request did not impact your credit bureau score. Learn more about credit reports and scores by visiting XXXX Your requested reference number is : XXXX
Product: Debt collection

they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my XXXX XXXX XXXX, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA, XXXX phone number : XXXX organization : they have XXXX step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out
Product: Credit reporting or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$0.00} (
Product: Checking or savings account

My card was involved in a transaction that was not authorized or approved. When contacting the merchant, they denied to stop the transaction and informed me to contact my bank. I contacted my bank and filed a dispute over the phone with no worries that the situation would be taken care of. I received a denial email and it is completely ridiculous.
Product: Debt collection

On XX/XX/2023, Spire Recover Solutions contacted several members of my family to discuss the debt. On XX/XX/2023, they successfully reached my father and discussed the debt. They have been harassing me by means of constant phone calls, messages, and emails. They are using deceptive tactics such as number scrambling software to disguise the phone number they are calling from.
Product: Credit reporting

I submitted all required information that was asked for by the website and then something poped up asking questions from one of the credit bureaus to verify my identity and i answered all questions correctly and to the best of my knowledge and it denied me because it could not verify my identity. I have already reported identity theft to the Federal Trade Commission. Please contact me as soon as possible.