23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the credit unions namely XXXX, Equifax and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

Equifax deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XX/XX/XXXX and XX/XX/XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Product: Money transfer, virtual currency, or money service

My account at Gemini was unexpectedly frozen and wasn't unforzen despite repeated trapped. This is unrealed to Gemini Earn. The money I have there is now trapped.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I been unknown negative information on my credit report that I have been disputing with Transunion, XXXX, and XXXX trying to get this unknown inaccurate information removed from my credit report. I have been reaching out to these companies since XX/XX/year> and they continue to ignore my request and violate my rights as a consumer. These companies are treating me unfairly which has caused me financial hardships for my family and myself due to this inaccurate unknown information which is negatively affecting my credit report. I have loss employment and housing due to this negative unknown information reporting on my credit. I am requesting your help to please hold these companies accountable for violating myself and the law and demand them to remove this negative inaccurate unknown information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. XXXX 2. XXXX 3. Experian All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX consumer center you state that you do not report to anyone but you also state that Transunion gets information from you I understand Transunion owns you but but Transunion is using your information you get from where ever that makes you a consumer credit reporting company { right } enclosed are documents that you provided to Transunion that you state you dont keep .I request that all information on myself be frozen at one, you state it can not be frozen we have a { right to privacy law } that was enacted this year FREEZE any information about me at once use the FCRA to contact me about this
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Fourth written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 

The unverified items listed below remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided 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.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

15 USC 1681o Civil liability for negligent noncompliance XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative entry from XXXX XXXX XXXXXXXX XXXX XXXX I have been working with XXXX XXXX to get inaccurate entries investigated and removed from my report. After an investigation was conducted by XXXX XXXX the Foreclosure submitted by XXXX XXXX XXXX XXXX XXXX was removed, however Equifax and XXXX still has the entries on my credit report. I sent a request through CFPB on other inconsistencies and questionable entries on my report that still have not addressed. I would like them to explain in detail how the XXXX XXXX XXXX XXXX can remain on my Account when it was removed by XXXX after they conducted an investigation. Why should there be 3 different finding from each Credit Reporting Agency. This ends up causing problems for the consumers and ends up causing more inaccuracies. Why are there 3 credit reporting agencies anyway? Trying to clean up the inconsistencies between 3 agencies are costing me a great deal of money and is making matters for me worse.
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/ Social Security Number : XXXX
Product: Student loan

My Federal Student loan Principal Balance is showing as {$180000.00} which is impossible since that is way above the aggregate loan limits allowed. My loans originated back in 1996 and I have requested all of my original master promissory notes to prove that this is incorrect but have not received any of them. I have called, sent certified letters directly to them and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2019 Experian provided (XXXX with credit report about my XXXX XXXX which was totally inaccurate. XXXX  did not have a legitimate reason for this information.  XXXX  then used the crediti report in an inappropriate manner in a lawsuit, as part of an exhibit for the purpose of defaming me. Experian transaction number is XXXX
Product: Debt collection

snaac is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX 2011 and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and and XX/XX/XXXX they would not listen or try to resolve. I have also been threatened by this company to take all my property in court and they also continued to contact me and family members after I stated not to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of identity theft please fix and correct my report
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 CAPITAL ONE Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX a credit card account was opened or attempted to be opened from SYNCBXXXX and SYNCB/Low on my SSN, and I did not make any inquiries. On XX/XX/XXXX and credit card account was attempted to be opened under my middle names and my SSN with XXXX XXXX. I did not make this inquiry either. I received the denial letter in the mail from XXXX XXXX  on XX/XX/XXXX which alerted me to check my SSN and experian report. I have spoke with XXXX to remove these hard inquiries from my SSN. XXXX XXXX  has also reported the occurrence as fraud and I have put a security alert on my SSN from XXXX to hopefully make it hard for this to happen again and hopefully resolve the issue.
Product: Checking or savings account

I have a checking account with Associated Bank that received fraudulent charges last year that cleared my account overnight. 
I filed disputes and followed all instructions. They have only returned 2 transaction barely totaling {$50.00}. $ XXXX was taken. I contacted the companies, they see they charges were made under different account from all over the country and I am not the holder of any of those accounts so they can not reverse the charge. They said the bank has to contact them. XXXX has evidence of the person who committed the fraud but can only release the information to my bank. My bank has never contacted XXXX. XXXX hub states they still have not heard from Associated bank. 

Today I wanted to complain and they froze my account to review!! I have no access to my money for asking for an update on money I'm owed!!
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX XXXX XXXX stating that I owed a debt of XXXX. I called the company to inquire about this debt. They stated that the original debtor was Balance credit. I called the debtor to inquire about this so called debt I supposedly owe and spoke with agent from company who stated that they had no record of me ever taking out a loan with company. I then call XXXX XXXX XXXX and relayed my findings to them, and she provided me with an account number XXXX. I then called Balance credit again and asked them to look up the account number provided. They, again had no such record of that account number in their system. I again called XXXX XXXX XXXX to convey the findings to them. I was told by agent they would call me back. I never heard from them but I got a letter in the mail stating I owe this debt. I know for a fact that this debt is not mines. As a matter of fact I applied for a loan with Balance credit on XX/XX/XXXX and was approved for a loan. If I had an outstanding debt with them they wouldnt have approved me for a loan, also the debt is not on my credit report. I dont even know what the people from XXXX are talking about regarding this debt. I did not take out a loan with these people on XX/XX/XXXX. I would have remembered if I did.
Product: Money transfer, virtual currency, or money service

The company, Capital Bank One has held funds sent to an account that was incorrect and not for the specific transaction originally intended. The account owner has acknowledged this and requested the funds be returned to us, the company that sent the wire transfer. Capital One Bank has held these funds, {$100000.00} for five ( 5 ) weeks and will not communicate. The bank that was used to send the funds XXXX XXXX issued a Recall Request and Capital One Bank declined.

It seems like the bank, Capital One Bank is stealing the funds, especially with the current FTC lawsuit for fraud involving consumer savings accounts. Capital One Bank is an out of control criminal fraud organization it seems like.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account : XXXX 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 1692b acquisition of location information by debt collectors.
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX & XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX and have been working heavily to restore my credit. I reached a XXXX and then XXXX months ago I noticed a large drop. I got another bank account and it showed my poor score and the details show XXXX late payments which are are connected to accounts included in my bankruptcy. I am asking these remove to reflect my updated payment history which may include up to XXXX late payments not XXXX and also the amount of inquiries is also incorrect showing XXXX Those included as late are old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX had inaccurately reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681eb because it is not accurately reporting and demand this late payment be updated to paid as agreed
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On viewing my credit report, discovered I had 3 hard inquiries from Bank XXXX XXXX, Capital one and XXXX XXXX services I never authorized.
Product: Credit card or prepaid card

XXXX  replaced their old credit card servicer with Barclays Bank. I received my new card in XX/XX/XXXX. I hadn't received a XXXX bill for several months prior to that. I received my first XXXX  Barclays statements at the beginning of XX/XX/XXXX ( period XXXX ) At that time I called and requested the fees and interest be removed because I hadn't received a statement in several months. I was told the amount would be {$350.00} which I promptly paid on XX/XX/XXXX. I received my next statement and it still had the original balance ( with fees and interest ) and new fees and interest. My payment had not been credited. I spoke with the credit card company again ( Barclays ) and explained that I had paid and not only shouldn't there be a balance but also should not have fees and interest because it was paid. I then submitted another payment on XX/XX/XXXX through my bank XXXX for the amount of {$350.00} ( the original charges minus fees and interest since I shouldn't have any ) .I now have a balance which quite frankly I'm not sure what component are fees and interest ( which I shouldn't have any because 1. I didn't receive a statement for several months when they were in transition and 2. I paid immediately the first bill I received when the new bank told over XXXX  credit card. I Now have a balance {$490.00} which again, I'm not sure how they got this balance especially since I paid twice I should have a credit. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. I recently obtained a copy of my credit report and discovered that there are addresses and a name listed that do not belong to me. 

Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am particularly concerned about inaccuracies in my credit report. I can confirm that the names and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX investigate these inaccuracies and remove the incorrect name and addresses from my credit report promptly. This incorrect information not only compromises the accuracy of my credit report but also has the potential to impact my financial standing. 

Enclosed with this letter are copies of documents to verify my identity and current address, including a government-issued ID and a recent utility bill. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate and up-to-date. I kindly request that you take immediate action to rectify these errors. 

Please provide me with written confirmation once the incorrect information has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill