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

On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I specifically requested detailed information regarding the verification of a Bankruptcy item on my credit report. I asked TransUnion to provide the following information Public Record Court Name : U.S. Bankruptcy Court Reference Number : XXXX The date they contacted the creditor/furnisher. 
The name of the person who verified the item. 
The method of communication used to verify the information. 
Whether the creditor provided my Social Security number, address, and date of birth. 

To support my request, I included copies of my drivers license, Social Security card, and proof of address. Despite my clear and thorough request, TransUnion refused to provide the details I requested. 

I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
TransUnion 's refusal to provide this information has left me without the necessary details to understand and verify the accuracy of the Bankruptcy item on my credit report. This lack of transparency is frustrating and impedes my ability to ensure the correctness of my credit information. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, XXXX certified mail proof of delivery, along with XXXX response as proof.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has been imposed due to a misunderstanding or error, as I am confident that I have not violated any of PayPal 's policies or terms of use. 

I have been a loyal and responsible PayPal user for XXXX XXXX XXXX XXXX, using the platform for various personal and occasional business transactions. Throughout this time, I have made sure to adhere to all of PayPal 's guidelines, as I understand the importance of a secure and trustworthy online financial environment. 

Given the sudden and unexpected permanent limitation on my account, I find myself perplexed and worried about the status of my funds and transactions. I have always ensured that my account activities are transparent and well within the boundaries of PayPal 's policies. 

I kindly request that PayPal undertakes a thorough review of my account and the circumstances that led to this unfortunate situation. I am confident that upon closer inspection, it will become evident that my account has been unfairly restricted. I genuinely believe that this limitation is not a result of any actions on my part that violate PayPal 's terms. 

I understand that PayPal 's priority is to maintain the safety and integrity of its platform, which I wholeheartedly support. However, I firmly believe that my case warrants a re-evaluation, considering my track record of responsible account management. 

I kindly ask you to re-investigate my case and consider lifting the permanent limitation on my account. The ability to use PayPal is crucial for me, both personally and for potential business needs. I value the convenience and security that PayPal offers, and I am eager to continue using the platform as intended. 

I appreciate your attention to this matter and your dedication to ensuring a fair and secure online financial environment. Please feel free to contact me at XXXX for any further information you may require or to update me on the progress of this appeal. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am inquiring about the recent complaint I submitted on XX/XX/XXXX. Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Checking or savings account

Since XX/XX/2020 my bank, Citibank has done a combination of the following actions in the span of XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ) times : XXXX or denied use of my XXXX Debit/ATM card after routine transactions made by self or on behalf of self XXXX or Denied use of my XXXX Debit/ATM card in XXXX XXXX XXXX XXXXXXXX XXXX XXXX  '', on my device referred to as " XXXX XXXX '' after routine transactions made by self or on behalf of self Failed to deny use of my XXXX Debit/ATM card physically and/or through XXXX XXXX XXXX XXXX after non-routine transactions by self or others Any of the above mentioned resulting in waits of greater than XXXX XXXX XXXX XXXX XXXX XXXX 
Denied verification options and/or failure to establish verification tools Made false claims as to the status of my card and/or account or other false statements regarding the use contractual agreement between myself and the bank.
Product: Money transfer, virtual currency, or money service

Was scammed by a person named XXXX XXXX that used XXXX ( XXXX ) as a payment source. I paid XXXX XXXX {$100.00} with XXXX for seafood, but once I paid the {$100.00} which was quoted for the product that included shipping, XXXX XXXX contacted me again, saying I needed to pay another {$150.00} for insurance with XXXX. At that point I figured out it was a scam, so I contacted my bank, Bank of America. 

I assumed BofA would have information about the recipient, XXXX XXXX, since the scammers received money and conducted the scam via zelle to XXXX. BofA told me they couldnt find anything about the scammer, which is impossible because they have the bank account information connected to the scammers XXXX account and their phone number. BofA closed out the complaint, and I didnt get my {$100.00}. Why couldnt they just take it back I asked. BofA said they couldnt.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXXACCOUNT Account Number : XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE OPENED AND LAST PAYMENT Account Name : XXXX  Account XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Account Name : XXXX Account XXXX Disputed Information : HIGH BALANCE, LAST VERIFLED, DATE OF LAST ACTIVITY, DATE REPORTED AND LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : driver 's id proof of address social security letter to the credit bureau images of each account with incsartitu
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, DE, XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} MO CHLD SPRT XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

A company by the name of Duvera Billing Services is attempting to collect on a debt that is not owed. The amount of the debt is {$1800.00} and {$2300.00} I CURRENTLY DO NOT KNOW THE NATURE OF THIS DEBT, NOR DO I KNOW WHEN AND WHERE IT WAS CREATED.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding a bankruptcy having been reported on my credit reports from XXXX. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court ( XXXX, MD ). Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including XXXX, XXXX, XXXX, XXXX and Transunion.
Product: Debt collection

they keep calling me about and owed bill and i never authroized and account
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Payday loan, title loan, personal loan, or advance loan

Got a flyer in the mail that said I was pre approved, and went into the office and it was a totally different process from what the flyer was saying!
Product: Credit card

These inquiries are not mine. Ive been a victim of identity theft from a data breach Remove this from my report XXXX  XXXX XX/XX/year> Transunion XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Transunion XXXX XXXX XX/XX/year> Transunion XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Transinion XXXX XXXX  XX/XX/year> XXXX
Product: Credit card

I opened an account at International Bank of Commerce ( IBC ), XXXX XXXX the XX/XX/2015 in XXXX XXXX XXXX XXXX. I was informed that a credit card displaying the name of this bank, thru Elan Financial Sercives was mailed to my house in XXXX the next month. I did not ask nor authorize this line of credit to be opened. After speaking to the IBC I was told that I had to cancel the card, which I did before the end of the year. I reported it as fraud, and was told that reports from the credit agencies would be mailed to me. They were, to XXXX. 
I live in XXXX, I opened the bank account in XXXX, IBC has no banks in XXXX, but all this information was sent there. 
After speaking to IBC this month again, to find out why a line of credit was opened without my knowledge or authorization I was told that there are XXXX credit cards with different numbers, and presumably different lines of credit opened by Elan Financial. I have been given to case workers number who is open only the hours that I work, and after several calls has never answered my calls or returned my messages. I have no idea where the second card is, and do not know if additional lines of credit are being opened.
Product: Credit reporting or other personal consumer reports

In late XXXX, Credit Collection Services ( CCS ) added a negative mark to my credit report. I'm concerned about the potential impact on my credit score. I contacted CCS to request the removal of this mark, as I believe it was placed incorrectly.

According to the standard procedure, CCS should have provided an explanation of the services XXXX, their client, provided and the timeline for when these services were performed. I sent XXXX emails to CCS requesting this information but did not received a response.

I have reason to believe that I did not owe the debt to XXXX, as they had previously dropped me as a client and I had obtained coverage from XXXX XXXX instead. Furthermore, CCS claims that they attempted to contact me XXXX times but can not provide any records of these calls. 

Given that CCS did not follow the proper protocol, I am requesting that they remove the negative mark from my credit report. Attached are a copy of my ID and the emails I sent to CCS.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a Credit Card was opened in my name that I didn't apply for or have possession of. I have since then disputed the account and put a credit freeze on my XXXX. On XX/XX/XXXX I got a letter from a XXXX XXXX XXXX XXXX 's for a late Rental Charge. The name on the letter is XXXX XXXX who I have found online is using my name and birthday because she has my name listed as a Aka. The creditor is Fortiva I have not been able to contact because they are only by mail.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek the appropriate readdress to the situation.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed XXXX different accounts that do not belong to me. Those accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have never done business with these companies. If any payments were made to these accounts they were not made on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX I learned that my mortgage company had not been reporting my mortgage payments to the credit bureaus. I submitted a complaint via this agency and I received a call from Chase who's rep stated that they received no information from my bankruptcy XXXX filing in XXXX that indicated that I wanted to reaffirm my mortgage. Although I continued to pay and have been paying from XXXX, none of these payments have been reported to the credit reporting agencies which would've positively impacted any request for credit during these years in fact it is my position that the failure to report my on-time payments negatively impacted the interest rate that was extended to me over the years, creating a cumulative affect of a higher financial liability that impacts many areas of my life including insurance rates, auto loans, employment, etc. Mortgage payments carry a higher aggregate weight in one 's credit file. I requested court records from the XXXX filing in which I obtained the " Affirmation '' that was a part of the submission to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be updated and corrected from my credit report : XXXX XXXX  Balance Owed : {$420.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6800.00}. I have included a copy of a dispute letter I previously sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Debt collection

I have sent in mutual letters requesting documents to verify this debt with no reply I have ask the credit bureau to remove also
Product: Credit reporting, credit repair services, 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 names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

On XX/XX/2022, i applied for a XXXX loans with JPMCB Auto Finance, which they denied my the loan, however, once i review my credit history the loan was granted to someone but me the consumer. My rights was violated 15 U.S. Code 1691 ( 3 ). XXXX XXXX, and manager phone me in XXXX to ask me what will i be doing with ALL that money and the bank could not grant me the loan. I explained told XXXX XXXX XXXX and his manager that Banks do not loan money. He told me no but the shows the funds with approve from my Cestui Que vie trust account. Identify theft and embezzlement. I was approve due to my autograph as a promissory note. ( Truth in Lending Act ) UCCC 3.301 ( 1 ) The financing of an automobile by a bank was not a consumer loan transaction where the bank was only the assignee of the automobile sales contract and therefore acted illegally in taking security in addition to the purchased automobile. First Nat. Bank v La loie ( Okla ) 537 P2d 1207, 86 ALR3d 309. 
PROMISSORY NOTE written promise to pay, frequently used in installment loans and commercial loans. A promissory note is the legal evidence of a debt, a promissory note may be transferred to a third party as a NEGOTIABLE INSTRUMENT. The holder of a promissory note who wants payment before the maturity date can negotiate it by endorsing the note and presenting it to the payer for payment. See also ACCOMMODATION PAPER ; NOTE ; ORDER. 

They are in violation ALL RIGHTS RESERVED
Product: Mortgage

I tried logging onto my account on Thursday to make my second mortgage payment and after trying to log in they said that I needed to verify my identity using my phone number. The problem was the phone number they had on record wasnt even my number. After I called them to try to update my information they told me that they were placing my account on a 14 day lock, meaning I have no way of making my mortgage payment, as I live in XXXX and the closest bank is in Ohio. I am requesting the bank unlock my account so I can just make my payments on time like a good citizen.
Product: Debt collection

In XX/XX/XXXX I was in a car accident that was my fault. I was XXXX years old and had no financial help. I used a XXXX XXXX credit card to pay to fix the other persons card which made the total {$4100.00}. This maxed out my limit and then I proceeded to make minimum payments. XXXX XXXX then closed my card in XXXX of XXXX. Multiple collection agencies passed it around and it recently ( XXXX ) landed at a new collection agency. The current agency is Porfolio Recovery Associates. They are falsely reporting that my card closed in XXXX when it closed in XXXX. Due to this card being closed for just under 7 years I would like to have it removed from my credit. I am now 6going on 7 years older and would like to progress in life and I can not do that with this delinquency from when I was younger and immature at the hands of a recovery agency I have never heard of nor has contacted me.