23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681a ; Definitions ; rules of construction-exclusion- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card/ loan account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act XXXX  account # XXXX has violated my rights company XXXX XXXX XXXX in accordance with the fair credit report act XXXX  account # XXXX has violated my rights company IC system  15 u.s.c 1681 section 602A. 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 writing instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX  XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and looking at the hard inquiry that I was not familiar with. 

I called each and every company that I did not authorize no one to look at my credit report but no one has me on their report at all. I tried to disputed with the credit bureaus for months and only XXXX  removed it. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Car
Product: Money transfer, virtual currency, or money service

PayPal XXXX e mail notification Case XXXX Transaction amount : {$2900.00}. Transaction ID XXXX Transaction date : XX/XX/year> PayPal indicated I received duplicate funds for the same Transaction and I was debited XXXX. 

I submitted a claim for funds that were transferred to a scammer. 
PayPal denied payment as sighted by their policy guidelines. 

I was instructed to file a dispute with my bank. 
This was submitted XXXX XXXX to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX PayPal attempted to collect {$2900.00} as documented above. 
They told me, on phone call that XXXX instructed Papal to collect this amount. 

XXXX XXXX XXXX XXXX said PayPal should not have attempted o collect this. 

Numerous communications finally resulted in a withdrawal of the transaction. 

XXXX and XXXX have resolved the issue, however PayPal has been dishonest and demonstrates scamming practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX CT XXXX, GA XXXX TO WHOM IT MAY CONCERN, Re : Victim of identity theft this was not sent in error, and not a material misrepresentation To whom it may concern these items in my credit file are from unauthorized use of my social security number and card. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. 

Sincerely, XXXX XXXX Enclosures : Proof of identity, Affadavit of truth/identity theft report
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX ( XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXXXXXX XXXX  from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 5 unauthorized accounts and 9 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

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 XXXXXX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home.
Product: Credit card or prepaid card

I was rejected for an American Express XXXX card. As a consumer with an 800+ FICO score and no delinquencies, I found the rejection curious and wished to drill down more on the particulars of the original automated rejection which took only about 10 seconds online. I called the number listed ( days later upon receiving the snail mail letter and downloading my XXXX  credit report as suggested in the letter ). 

The XXXX call center, rather than having greater access to detail regarding the rejection, actually had less. They could not even see the text of the rejection letter. If, for example, the Amex computer tells me I " have too many new bank card accounts '' and I review the Experian report and see very few under my name and SS #, the natural next question is how many is too many, and over what period of time does Amex define " new ''. I spoke to 2 persons in XXXX : XXXX, ID XXXX, and her supervisor, XXXX, ID XXXX. 

I then escalated to the Executive Customer Care office. XXXX XXXX, an Executive Assistant in  that office said she would research the matter. While she did follow-up, she failed to to provide even the most rudimentary information. She did state " too many new bank card accounts '' means XXXX or more, though she could not ( or would not ) tell me the time frame Amex regards as a " new '' account. As we reviewed the Experian credit report Amex computers relied on to issue the rejection, we could see very few ( no where near XXXX ) were opened in the most recent year or two, a time frame a reasonable person might regard as " new ''. 

As a result, I found her cavalier dismissal of my concerns completely inadequate and would like reconsideration of this decision. She said the call was recorded by American Express and I have no objection to the release of that conversation for CFBP review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry that appears on my credit I did not authorize this credit inquiry, nor did I apply for credit with the above-mentioned creditor. Under the Fair Credit Reporting Act, I can dispute information I believe is incorrect or incomplete.
Product: Credit reporting or other personal consumer reports

Hey I am writing to dispute the following in accurate information on my report. 
This item XXXX. Account XXXX XXXX XXXX  Account number : XXXX And XXXX. Acount XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to XXXX I also asked XXXX for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither XXXX nor the original creditors were able to do so the last several months XXXX Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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******** I am Damaged Mentally and physically do the inaccurate information being reported!
Product: Credit reporting, credit repair services, or other personal consumer reports

The info being reported is incorrect According to FCRA the statue limitation has past. Original date being reported is incorrect. Aside from the fact it is not valid No documentation has been received proving the accuracy. No response regarding the proof of accuracy
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account previously listed on my credit report by XXXX, XXXX, and Transunion. Specifically, I disputed a charge-off account from XXXX XXXX XXXX XXXX on my XXXX secondary credit report. After completing their investigation on XX/XX/year>, XXXX fully deleted the account from my report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates the verification of disputed information, XXXX deletion of this account indicates that the information could not be verified. As such, this unverifiable account must also be removed from my credit report with your agency to ensure compliance with the FCRA. 

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum accuracy in consumer reports. If XXXX, a recognized consumer reporting agency, has deleted this account due to its unverifiability, it stands to reason that your agency must take similar action to ensure compliance with federal law. 

If this account is not removed within 30 days, I reserve the right to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. These provisions allow for statutory damages, attorneys fees, and costs in cases of noncompliance. 

Please consider this letter a formal dispute and request for deletion of the unverifiable account. I expect the removal of this account within 30 days or less to avoid further escalation. Attached to this letter, you will find supporting documentation, including proof of XXXX deletion of the account, for your reference. 

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide written confirmation once the account has been removed. Should you require further information, do not hesitate to contact me at the above-listed email or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS WRONG AND NEEDS TO BE CORRECTED ASAP AND THERE ARE 3 ALIAS NAMES THAT ARE NOT ME, I HAVE A LETTER ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XX/XX/2023 I get alert that my information was stolen I would like to report that to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up this account on XXXX of 2019 however after 30 days capital one closed my account without notifying me and for no reason, when they closed the account they also stopped my automatic payment and denied me access to pay online whenever i called in to take care of the issue they told me their is no access to account,
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$270.00} CAPITAL XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Aspire credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Product: Credit reporting or other personal consumer reports

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, has violated my rights. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Vehicle loan or lease

I realized there was a loan that does not belong to me, i sent all proper documentation and certified mail
Product: Debt collection

Receivables Management Systems is listed as a collection on my XXXX credit report. The debt was paid directly to the original creditor, XXXX XXXX, prior to going to collections.
Product: Debt collection

I have submitted a report through the identity theft department. Attached are accounts not authorized by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested a money withdrawal {$2900.00} from my bank checking account from Crypto.com. The money was made available immediately at Crypto.com however it has remained pending status that prevented me from withdrawal to another location! 
I have contacted crypto customer service numerous times and provide them with my bank letter indicating that fund was received by Crypto! However crypto customer service insisted that it must remain pending for 7 working days not counting week ends despite their policy indicated 1-7 days!
Product: Checking or savings account

Tried to order a mover on XXXX XXXX to move Friday XX/XX/15 and chime card got denied for temporary hold. I just got paid 15 mins prior so I went online on XXXX find chime support number XXXX  XXXX spoke with XXXX who told me I need to go to XXXXXXXX XXXX and download app called XXXX Remote desktop to reset my phone and he will assist me. He said to go to settings hit permissions then go into the app and highlight every part of the device so he can have remote access. He took over and told me to log into my chime account which I did via finger log in. He then took {$200.00} out of my checking account then said he needs to verify it is working he will take funds out then put it back after verification clears and to wait. My {$200.00} disappears and he sends it to pay anyone named XXXX XXXX under XXXX. Then he goes into my savings and takes my direct deposited employee check of {$1000.00} and sends it to pay anyone named XXXX XXXX under XXXX XXXX. He then ask to pull up my XXXX XXXX I say what for that's when the red flags come out I say put my $ $ back in my account now. He then hangs up. I call back and he states I am crazy. I contact chime support again at different number from XXXX XXXX XXXXXXXX. I spoke with chime support first who sent me to fraud dept. I explained what happened freaking out. I was told I could file a dispute had to answer some questions. I was told if I am approved by fraud investigators I could receive a temporary credit to my account within 10 days. I explained I needed to move now and need my money now for me and my son. I was told the investigation could take up to XXXX days. So now I am stuck with no money to move. I feel like this is unfair and I want my money back right away from Chime no delays. I am unaware of online fraud until now and feel as the victim of online fraud and misrepresentation online that I should be reimbursed immediately! No questions. I was also told that I should only use the mobile app for chime and not search online for chime support by chime support representative. Please I need your help to make chime reimburse all my money immediately. I can be reached via email XXXX which is the best method of contact instead of phone.
Product: Debt collection

I have spoken with them on the phone every day for the past week and they continue to call me multiple times per day repeatedly. When I have asked for additional information or asked to speak with a supervisor, I 'm told they wo n't answer questions or transfer my call because I owe them money. I have been rudely hung up on multiple times now.