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

As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back toXX/XX/XXXX. I called Equifax, XXXX and XXXX to advise that I had a fraud alert placed on my account back in XX/XX/XXXXand no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On XX/XX/XXXX I went to the police department to file a police report. The officer called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given. Below are the inquiries that were unauthorized XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Bank account or service

I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend.
Product: Student loan

I have been trying to lower my monthly payments for years and they kept giving me the runaround and nothing ever changed. I had to take off my automatic payments because my interest was so high. Ever since then they keep billing me every couple of weeks wanting me to pay again. I simply just wanted to pay my loans off at an affordable rate. I currently do n't make enough money to pay what they expect and yet my plan has remained the same. They say they are here to help but they are just sucking more money out of us and punishing us for getting a college degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXXXXXX XXXXK XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer that know my rights. I have Been violated countless times by transunion and they have not taken the necessary steps to make sure that my credit report is factual I have disputed these account sent I. An ftc report as well as my Id and social to prove my identity and they have failed to conduct a proper investigation and or remove items. attached is proof that I sent in complaints through the cfpb. I also sent them these documents certified mail and they did not attach it to my credit file. 

Also another account that I disputed is XXXX XXXX is now duplicated on my credit report with different late dates balances and everything. They said that verified this and even put it in the comment section then added a duplicate account with conflictual information and the same account number. Attached is a copy of my credit report that shows that they have violated my rights under the fcra and has blatantly ignored my effort to correct such information. 

Accounts thats attached on the ftc report include XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights be reporting 60 days late however this account was paid and full and closed on the month they said it was late and that also shows on my credit report I demand that these items are removed
Product: Credit reporting or other personal consumer reports

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or else wise indubitable in or of its validity unequivocally as disclosed, as indicated!

I have been looking over my Credit file and discovered several inaccurate accounts from on credit profile. I have requested validation from the accounts listed below 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$6800.00}, XXXXXXXX XXXX XXXXXXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$1000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX, XXXXBalance {$4700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5600.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3300.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX, XXXX credit file dated XX/XX/XXXX, XX/XX/XXXX,. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

[ I Was alerted through my credit monitoring service that you pulled a hard inquiry on my profile that i did not authorize. ] Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX  file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Vehicle loan or lease

This time I expect remedy. I expect my unelenable XXXX-given rights to be in force. I demand them. You can not keep breaking the law that Congress made to protect me as a consumer. I expect remedy immediately. You're preventing me and my family from life. XXXX and the pursuit of happiness. You don't have that power XXXX-given me these rights. XXXX is above all law so you better think about that. So quit breaking the law and give me what I demand and stay within the law. You are not above the law. Nobody is.
Product: Money transfer, virtual currency, or money service

Shortly after I opened the cash app account I was no longer able to add cash at my local retailer which I had been doing so previously. When asked why I was denied nor advised of the denial. Representative said based on policies. I asked for proof of the policy and reason and was denied this. I have screenshot asking and saying so.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I contacted this company Ria on a number of occasions to place the funds back into my account. The company has repeatedly ignored my requests. Im an American that was scammed and had my identity stolen by a XXXX citizen. Police reports have been filed in XXXX XXXX and in the US. The thiefs name is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I located an fraud account he created and sent himself money using my accounts. All of the following were fraudulent : XX/XX/XXXX {$120.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00}
Product: Debt collection

Back in XXXX, I was admitted to XXXX XXXX to receive treatment for XXXX. I had to visit the ER 3 times, and not once did anyone tell me that my insurance was covered. When I talked to my father about it all, he said that he took care of it all and that he paid it. I am a XXXX XXXX XXXX  XXXX so money already is n't very common for me. XXXX of XXXX I noticed that my credit had gone down by 200 points, only to find out I had all of these unpaid XXXX bills that my father said were taken care of. I did n't know that these bills existed, and no one told me anything about being able to dispute it either. I feel as if It should be settled, because I am still a XXXX XXXX XXXX in school, struggling to make rent, because of all of this nonsense I had no Idea about in the first place. IC Systems called me for the first time in XXXX and that was the only time I learned that I had these things against me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the ** i am asking you to verify as accurate 1 XXXX XXXX XXXX account XXXX 2 XXXX XXXX  XXXX 3 XXXX  XXXX XXXX  XXXX
Product: Checking or savings account

On XXXX, Bank of America allowed someone to open an account, linked the new account to me and my account, and change contact information so that communication would be sent to their email and phone- and I received no form of notification or alert. I found out because I check my account and I immediately reported the fraud and requested that I be provided with the means used to open the account, the unredacted email address and the unredacted phone number so that I could report the information via the XXXX database. At that time I was told the link between accounts was an error based on address, but that a fraud investigation would ensue. I have since been told the account was opened using my identification and not to worry because a fraud investigation would ensue. No fraud investigation was done. All that was done was the bank investigated as to if I was lying about the fraud. I have yet to receive the information that I requested. If Bank of America is going to allow people to defraud customers then Bank of America should allow customers to be notified if/when an account is being opened using their information, notify customers when their contact information is being changed and not redact said contact information from the customer themselves. Ironically after Bank of America allowed this to happen they claimed they sent me a letter- which I never received - and then closed my fraud investigation because I failed to respond. Just wonder who actually got the letter and thinking it was the criminalor it was never sent as Bank of America no longer has my trust.
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX  XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXXXXXX XXXX  - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

Citibank suddenly closed my Costco Anywhere VISA card after I successfully shopped at Costco gas station by using this card. The closure notification says my account was inactivate but I just used my card! And there is no warning email or mail sent to me in advance to remind me to use the card otherwise it will be closed. 

The attached XXXX statement showed no account close info, but it showed {$69.00} in balance. Why say the card is inactivate? 

By the way, the authorized account user is the Citi Gold client.
Product: Credit card

I have two Wells Fargo credit cards I had emergency and I miss payment for 4 month they close the account last year but they still charge me with XXXX $ every month I talk with them they said There is nothing they can do about it. 
I want all my interest money back the XXXX XXXX want to stole all my money Recently I payed off everything and they charge me with interest again and they dont want to stop with this crazy game I want all my interest money back please