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

________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Discharged Bankruptcy from Credit Report Dear Sir/Madam , I am writing to formally request the removal of a bankruptcy that has been discharged from my credit report. Upon reviewing my credit report, I have identified that the bankruptcy is still being reported despite being fully discharged in [ XXXXXXXX XXXX XXXXXXXX ]. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ), bankruptcies are required to be removed from a consumers credit report after 10 years from the filing date. However, a discharged bankruptcy may be reported for this period, but I believe it is now time for this record to be fully removed if the 10-year period has passed or if the bankruptcy is no longer an accurate reflection of my creditworthiness.

Please investigate this issue, and if the bankruptcy is indeed past the legal reporting period, I respectfully request that it be removed from my credit report immediately.

I would appreciate it if you could send me an updated copy of my credit report once the necessary adjustments have been made. If you require any further information or documentation from my side, please feel free to contact me at the above address or phone number.

Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Good day, My PayPal email : XXXX, Reference ID : XXXX. Im contacting under the claim that my PayPal account got permanently limited, Ive already called the support on phone and they claimed it could to be an fault by the automatic bot or an person who mistakenly had put limitations. Ive also messaged the support but I was not satisfied with their " I dont give a XXXX '' attitude. So I decided to contact the PayPal support on XXXX. However, I have been waiting for days yet no response. I really cant wait any longer and stress about this much more, PayPal support is so poor and literally dont care at all, I think this is my last hope to get help as its impossible to get any help from PayPal XXXX I understand the need of limiting accounts. However, Im also aware and familiar with the User Agreements, I have checked and read the User Agreement several times before and recently aswell. I dont find myself in any of them, with this being said, I dont believe I have violated any policies or laws. Even my sales history has been very positive. My account have gotten limited with no explanations given nor given me a chance to explain my usage by providing any proof needed to prevent from this mistake or misunderstanding to occur. I have no issues showing any proof/ID verification needed to resolve the issue. They have also frozen my balance, MY HARD EARNED MONEY!. I had about XXXX $ on my balance. Im in desperate for help. This has really affected my XXXX XXXX as this is not fair and everytime i ask for the reason why i got limitations they say " We have our own reason and we have the right to keep it private '', Nonsense honestly. Ive used my account for coaching sessions in a video game im very good at ( XXXX XXXX ), Never sold anything illegal or such so this decision made by PayPal is incorrect. Id appreciate any help.
Product: Credit card

Goldman Sachs USA is not restoring available credit after payment in a reasonable period of time. I make payments and they credit to the account when made, but do not become available credit until 9 or 10 days later. This is longer than reasonable. Goldman Sachs ' terms and conditions abuse consumers by not specifying a maximum window to wait for available credit.
Product: Money transfer, virtual currency, or money service

Wont let me link my pnc account to any virtual currency accounts. XXXX XXXX  account, any stock market apps and ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/19 I was contacted by a friend I had not spoken to in years, ( the friends identity was spoofed ) who said I heard about the death in your family and Im sorry about your loss but have you heard about the XXXX Grant Program, Through that communication I was defrauded in withdrawing {$14000.00} from BOA credit card payable to XXXX , XXXX, I checked it out on line it looked harmless I also mentioned to the clerk why I was making the withdrawal the teller also checked it online and said it looked fine. I was instructed to deposit it into acct # XXXX. Upon notifying the fraudster about the deposit he requested additional money which finally made me realize that I was defrauded. I reported it immediately to my local bank who issued a uniform identification agreement to BOA on my behalf.. I reported it to the Attorney General Office, spoke to a local detective as well as filed a fraud claim with BOA, whose final letter claimed that they determine that no fraud occurred. I know that banks are insured against these type of incidents but a widow and retired elderly person have no way to recoup Im sad this happened to me and I hope it doesnt happen to anyone else. Thank you
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. XXXX
Product: Checking or savings account

I made payment using my bill pay function on my Chase checking accout, The payment was made for {$160.00} on XX/XX/XXXX, payable to XXXX XXXX XXXX. 

On XX/XX/XXXX I received 5 emails from XXXX XXXX indicating my payment was declined. I looked at my Chase account and the activity showed the money being deducted and completed. 

I called XXXX XXXX on XX/XX/XXXX and they suggested I wait one more day.

So today the payment of {$160.00} has not been credited. 

I called Chase customer service and spoke to 5 separate customer service representatives. Each of them confirmed the transaction and said I would have to talk to someone else. I am now waiting for the 6th person to speak to. So far each representative said there's nothing they can do. 

This same thing happened last year with a payment of {$250.00} to XXXX XXXX XXXX ( local electric provider ). In that case, I couldn't get any help and I had to pay an additional {$250.00} out of my own pocket because Chase lost my money. I'm not willing to do that again, so that's why I'm asking for your help.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to XXXX XXXX XXXX 1997, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to Experian with a copy of the police report attached and asked to remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair credit reporting act XXXX  account number 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 consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft
Product: Debt collection

Hello! 
My name is XXXX XXXX. I am a victim of Identity Theft. Sentry Credit INC is attempting to collect a debt that is not mine. The Debt is a complete result of Identity Theft. Please have them remove this collection account from my credit report because it is damaging my chances of getting a car. 

Please have them remove this account and investigate properly. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN REPORT NUMBER : XXXX RE XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I also see XXXX other names on my credit profile which is because of the XXXX. 
I need these names blocked and removed from my XXXX credit Report XXXX XXXX, XXXX XXXX, XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. Section XXXX ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. XXXX  do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

VW Dealership took my Trade In ( XX/XX/XXXX XXXX which was paid off ) and rolled my equity over as NEGATIVE equity into my new Car Lease for a XX/XX/XXXX VW Jetta. I have been paying $ XXXX/month on a Car Lease that ends XX/XX/XXXX. I have made attempts to buy out the Car/Lease and Trade In but have not been able to because the entire Loan and Residual Value via VW Credit are skewed. Now within the last 90 days of the Lease I am being harassed and the car has been wrongfully repossessed. 

TIMELINE XX/XX/XXXX 1st trip to XXXX in XXXX ( ALL the following pts. below are documented ) Put down {$4000.00} ; told Sales Rep that my budget was no more than {$350.00} in monthly payments Discussed XXXX, only Why not XXXX? Why not a purchase w/ a $ XXXX down payment XX/XX/XXXX 2nd trip to XXXX in XXXX Signed a lease agreement 4 years ; $ XXXX down payment at signing $ XXXX monthly pmts with VW Credit XXXX was the Salesperson as documented XX/XX/XXXX : 3rd trip to XXXX in XXXX XXXX (? ) Leased not approved by VW Credit Lease sold to XXXX ( *Across the Street from Dealership ) Additional {$1500.00} of down payment ( Current total cash paid {$5500.00} ) Put into an OPEN-END COMMERCIAL LEASE In the name of XXXX XXXX ( XXXX years old recently XXXX from college in XX/XX/XXXX ) Paid for 61 Months - 13 months beyond term Could not reach Bank nor Dealership to determine what to do at the end of lease ( called every month for nearly a year ) NEVER TOLD BY XXXX THAT A 3RD PARTY LEASE WOULD NEGATE MY ABILITY TO TURN IN MY LEASED CAR FOR ANOTHER VW FOR THE STANDARD {$350.00} TURN-IN FEE XXXX actually hand wrote on new contract that my " term '' was still 48 months ( see. Exhibit TOTAL PAYMENTS = {$25000.00} + {$6000.00} = {$31000.00} XX/XX/XXXX ( XXXX ) Went to XXXX VW in XXXX, VA ; Goal to turn in leased XXXX for another VW and monthly lower payments ( XXXX VW ). Spent 10 hours at Dealership. 
Specifically told Salesperson that monthly payments were too high, did not need a XXXX because it was too big for a single young female, and expressed that my budget was $ XXXX/month or less. 
Not considered a " Lease Exchange '' due to outside banks involvement Told by Dealer that trade-in allowance would be {$12000.00} ; in reality trade-in allowance given was only {$4000.00} Dealer ( XXXX ) stated remaining lease owed of {$8100.00} even though paid XXXX additional payments @ {$420.00} ( {$5400.00} ) Instead of {$12000.00} trade in allowance, actually had {$4100.00} applied to the lease ( as negative equity ) increasing amount of lease and payments as well as residual value Dealer did not pass on ANY incentives VW customer loyalty ( see Exhibit Dealer did not provide advice on how to handle remaining " lease '' due to overpayment to bank-wanted to make a sale =Could have kept XX/XX/XXXX XXXX and had lower payments and/or dealt with it the appropriate way with VW/Dealer/Industry Leader help/advice ATTEMPTS TO BUY OUT CURRENT LEASE ON XX/XX/XXXX VW XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking at my credit report on myfreescorenow.com when i noticed that my XXXX  account is wrong XXXX  balance is {$830.00} XXXX  is {$0.00} and equifax is {$830.00} also the last activity dates are wrong!!!!!!!!!
Product: Debt collection

Failure to provide original verification for debt listed on credit bureaus within the time frame provided.
Product: Vehicle loan or lease

My name is XXXX XXXX last four digits of ssn is XXXX, on this date of XX/XX/XXXXXXXX XXXX XXXX  I would like to send this notification to bridgecrest auto for damages that they cost me for not following the right procedures in accordance to the law.Bridgecrest sent a third party to my family address and XXXX my car, bridgecrest did not send any letters with intentions to take the car back, they put my family at risk with this company disturbing the peace at home.Bridgecrest went further and did a sale of this car XXXX weeks later without giving me time to remedy as we were all dealing with emotional distress that they caused.Bridgecrest did a sale of the collateral without sending a presale letter or post sale letter and reported to credit bureaus about my account violating my consumer rights.As far as the law states on UCC 9 PART 6 which I have attached the law wasnt followed, I was supposed to buy a home at this time period and my application was denied because of their actions and reporting, they ruined my credit and I will be filing suit for damages due to their negligence and non compliance.I am demanding the account to removed from the credit report bureaus and not be furnished because the contractual agreement that I had with bridgecrest is void with this specific account per their actions.I have a right as a consumer to be treated with fairness.I have attached a copy of the UCC article thanks for your understanding.My phone number is XXXX LOAN ACCOUNT NO IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}, 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX this XXXX to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security XXXX. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ASSOCIATES Account Number 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account XXXX account XXXX XXXXXXXX, Experian account XXXX XXXXXXXX, and XXXX account XXXX XXXXXXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Ive never authorized nor gave consent to the companies in collections to have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XXXX XXXX and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.