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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number XXXX which has led to both an XXXX data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number already submitted. 
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC. 
These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-compliance ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent accounts from my credit report. 
I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 
Best wishes, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a reporting on my credit for identity theft and experian verified it without providing me with any information as to how and when I applied or incurred any damages with anyone to any debt.
Product: Money transfer, virtual currency, or money service

I used my CashApp card at a XXXX to purchase some items that totaled {$23.00}. The card declined so I retried it for {$8.00} and it declined again, so I left without purchasing anything. Its been 3 days and I still have a pending transaction for {$23.00} on my account and CashApp has given me 3 different stories on when this debt-pin charge will go away or expire. This exact same scenario happened at a XXXX XXXX the next day and that transaction isnt still pending on my account so why is this transaction sitting here and why wont CashApp just void it? There was no purchase made and if its legal to hold my money for 3 days on a purchase that didnt happen then why didnt the {$8.00} charge sit there too? This is ridiculous. Cash App will not do anything about it or answer my questions. Ive tried to contact the merchant and can not get them to answer their phone. At the point of sale ( or decline I should say ) the merchant told me it is my bank who is holding the money not them. So who is it that holds the funds even when it was a charge that didnt go through?!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX
Product: Debt collection

My XXXX XXXX was in a vehicular accident in XX/XX/2022 and was totaled by another driver. After the appraisal, I was told that I didnt have GAP coverage. I refinanced the vehicle a year prior and dont recall not applying for Gap. I understand the importance of having it and wouldnt go without it. Now I am being told that I owe Gap and no one at the company could show me where I opted out of it during the refinance. 

Truth In Lending was not disclosed as far as the finance charge and Gap coverage were concerned. The car accident was not rectified at all. Due to the accident, my credit has steeply declined from a XXXX down to a XXXX. Due to being desperate to get my kids around I had to enter into additional loans that continue to hinder me from my pursuit of happiness as well as no longer being considered for a home. Had the Gap coverage been in the contract in place of the finance charge this would not be a issue. Due to this accident I have been declined additional credit to rectify my situation. 
After the accident, I applied to get my loan extended so that I may purchase another car under the company since the at fault drivers insurance was going to pay my loan off. My credit was denied multiple times. 

I have my contract from the refinance and can submit it later if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Santander Consumer located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander Consumer has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have 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 and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

LVNV Funding LLC at XXXX XXXX XXXX  XXXX, SC XXXX Has been sending me collection notices in the amount of {$2300.00}. The collection has been reporting as a past due balance. I do not know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
Product: Money transfer, virtual currency, or money service

Hi Ive been banking with chase business since XX/XX/XXXX. Recently they closed my account due to checks bouncing. Currently they have XXXX on hold to confirm XXXX checks. Ive provided the bank with personal and business phone numbers but they keep saying the numbers cant be verified. Some of the checks are issued from chase bank customers and they cant get verified. The money has already been taken out from the vendors account. Chase has a hold on funds to verify but any number I provide business or personal wont verify. I even bought a chase client into the the branch to get checks verified that he wrote & they didnt allow that. There are not giving any other alternatives on how to get checks verified beside a phone number. Ive provided business phone numbers and personal numbers. This issue has been for about 60 days now. I can provide documents for all XXXX checks that have been cashed by the makers bank but chase is holding the funds. The makers cant even do a recall on the check. Every day I call I get the same answer. It is frustrating that they only way one way to verify checks and they cant verify they own clients. Multiple checks that are on hold are from chase bank clients itself. If I cant get a chase check verified what does that mean for my other checks from other financial institutions?
Product: Debt collection

Disputed debit in XX/XX/XXXX when I was notified about it - no reply from collection agency. Then debt was transferred to another agent company, and again disputed XX/XX/XXXX. On XX/XX/XXXX, I was served a summons for civil court. 

The debt is now past statute of limitations XXXX NY XXXX 3 years ). The last payment on the account in question was XX/XX/XXXX, according to my credit report. Being out of the country for XXXX years, I can now see they've reported this on my credit file since then. 

The collection agency lied to the court & said I made a payment, I did not make, to extend the statute of limitations. 

Yet still, this is being reported to credit bureaus after disputing & I'd like this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly remove these items ASAP. Thank you. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Equifax is report that I have a judgement on my account and the judgement number is XXXX from a XXXX XXXX. I do n't know this person and have never been sued by this person. I 've enclosed the actually docket with this dispute. 
1 ) That 's not my name the name of the defendant is XXXX XXXX 2 ) The date that this person sued was on New Years Day XXXX/XXXX/XXXX according to Equifax when you look up the case it looks to have been filed on XXXX/XXXX/XXXX and resolved on XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items with all XXXX bureaus and two bureaus have verified and deleted incorrect items and updated neva information. Yet, Experian has not chose to do so. I have higher scores with two other companies and direct results from evidence and disputes. Experian has also blocked me from disputing several accounts because they have been disputed already. In accordance with the FCRA new laws in credit reporting. Negative items over two years without proper documentation and validity of account shall be removed.
Product: Money transfer, virtual currency, or money service

My ss was use for a loan I didnt apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

With regard to complaint  XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from  XXXX   XXXX , and not only is at least  one  of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.
Product: Vehicle loan or lease

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. 

The following accounts are inaccurate and require immediate attention : 1. Santander Requested Resolution : I demand this account be removed due to lack of proper authorization or verification. 

Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. 

I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. 

Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.
Product: Credit reporting

I have asked Transunion a number of times ( 4 ) to provide me with verification of documents for a Bankruptcy that they are listing on my credit report which I am unaware of. Per the FCRA they are to provide me with a signed document that contains my signature and they continue to reply with " the debt has been verified ''! In addition, they have not marked my credit report " disputed '' as I have disputed the item several times. I have n't been approved for loans because of this
Product: Credit card or prepaid card

I went to use my Walmart XXXX card and was declined and was contacted by XXXX XXXX the account was closed. When I called a representative from XXXX told me they closed the account for 1 missed payment which was supposed to be automatically taken out of my bank account and wasn't. Now they want me to apply for their capital one card this way they can effect my credit score twice. maybe since my account was closed and will effect my credit score I will leave the card closed, contact Walmart and let them know I will not shop there anymore.
Product: Vehicle loan or lease

In early XXXX I had an accident with my XXXX  XXXX XXXX  XXXX which is finance by Chase Auto. I agreed with my insurance company to declare the vehicle totaled. The insurance XXXX XXXX XXXX issued a check to me on XX/XX/XXXX for the difference in the market value of the vehicle less the outstanding loan balance. XXXX sent the payoff amount to Chase Auto via XXXX  XXXX on XX/XX/XXXX and it was signed for on XX/XX/XXXX. Following XX/XX/XXXX, I did not see the amount applied to the loan. After several calls it was agreed that the Insurance company send another check because Chase was unable to find it. The new check was received XX/XX/XXXX. Finally on XXXX after several call the amount was applied and the loan closed. Based on the payoff in XXXX I did not pay my XXXX bill given that it was going to paid off. On XX/XX/XXXX, Chase issued a default notice which has impacted my credit score by over XXXX points. Their most recent statement it that they submitted a credit dispute on the default which can take up to 60 days to hit my rating. This basically freezes me from applying for any credit. Can you push them to or help expedite the fix to the process. I'm planning on closing out all my Chase products and would like to apply for new products with my XXXX rating to get the most favorable rates. Further, a regulatory investigation seems needed to on how they can misplace checks and need to improve XXXX on closing out accounts. There should also be some restitution paid for the time and stress this issue have taken. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 u.s.c 1681 Account name XXXX  Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXX Account name XXXX  Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name Us XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy. 
15 U.C.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 antedated 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 to believe that the information is inaccurate