23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C. 1681 Account Name : XXXXXXXX XXXX XXXX XXXX - Acct # XXXX - {$10000.00} Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX. at XXXX XXXX - Acct # XXXX - {$2800.00} Account Name : XXXX XXXX - Acct # XXXX - {$200.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX XXXX XXXX - Acct # XXXX - {$130.00} Account Name : XXXX - Acct # XXXX - {$120.00} Account Name : XXXX XXXXXXXX - Acct # XXXX - {$700.00} Account Name : XXXX XXXX XXXX  - Acct # XXXX - {$2400.00} Account Name : XXXX XXXX XXXX Acct # XXXX - {$4000.00} 15 U.S.C. 1681 Section 602 ( A ) states, I have a right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 -2 ( 2 ) ( 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

Certainly! Below is a draft of a complaint you can file with the Consumer Financial Protection Bureau ( CFPB ) regarding outdated addresses, name variations, and incorrect Social Security Number ( SSN ) information related to an attempted identity theft that is still reflected on your credit report : Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Old Addresses, Name Variations, and Incorrect SSN Related to Identity Theft To Whom It May Concern, I am writing to file a formal complaint regarding inaccuracies on my credit report, which include outdated addresses, incorrect versions of my name, and an incorrect Social Security Number ( SSN ) associated with an attempted identity theft. Despite multiple attempts to have this information removed, it continues to appear on my credit report. 
XXXX XXXX : On [ XX/XX/year> and XX/XX/year> ], I have submitted two formal disputes with the credit reporting agencies to correct inaccurate personal information, including : Old Addresses : Several outdated addresses remain on my report, despite me no longer living at those locations and requesting their removal. 
Name Variations : Incorrect and unauthorized versions of my name, which are not reflective of my legal name, continue to appear on my credit report. 
Incorrect SSN : A fraudulent SSN tied to an identity theft attempt is still listed on my report, causing me distress and potentially leading to further damage to my credit. 
Specific Concerns : Failure to Investigate and Correct Inaccuracies : As per the FCRA, the credit reporting agencies have a duty to investigate disputes and correct inaccurate information within 30 days. I have made two attempts to dispute the information, but it remains unchanged on my report.

15 USC 1681i Failure to properly reinvestigate disputed information.

15 USC 1681s-2 ( b ) Furnishers of information have a duty to correct and update inaccurate information. 

Inclusion of Information Related to Identity Theft : The fraudulent SSN that remains on my report is directly related to an attempted identity theft. Continuing to include this information not only puts me at further risk but also violates my rights under the FCRA.

15 USC 1681c-1 Fraud alerts and requirements related to identity theft should have been applied to my report to ensure its accuracy and prevent harm.

Negative Impact on Creditworthiness : The inclusion of incorrect personal information, such as the outdated addresses, incorrect name variations, and fraudulent SSN, has likely contributed to errors in my credit profile and may have led to unfair denials of credit.
Product: Debt collection

Re : Account/Credit Card/Reference Number : XXXX Portfolio Recovery Associates in his private capacity Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account
Product: Credit reporting or other personal consumer reports

The top key factors that adversely affected your credit score : I was denied credit due to these incorrect entries. 
- LACK OF SUFFICIENT RELEVANT ACCOUNT INFORMATION ( CODE 23 ) - YOU HAVE TOO MANY COLLECTION AGENCY ACCOUNTS THAT ARE UNPAID ( CODE 95 ) - LACK OF SUFFICIENT RELEVANT BANKCARD OR REVOLVING ACCOUNT INFORMATION ( CODE 49 false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent payment of {$9500.00} on XX/XX/2019 and my Upstart loan has been settled in full.
Product: Credit reporting or other personal consumer reports

I have not supplied proof underXX/XX/XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Student loan

They have repeatedly advanced my due date when I made extra payments. And they take 3 to 5 days to " extract '' or " pull '' the payment from my auto pay account so every month when the payment is due, my account show it 's not been paid until 5 days later and I and my family freak XXXX out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordingness with the Fair credit act conversion account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX, I had sent out letters towards EXPERIAN to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX XXXX XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received a letter as of XX/XX/XXXX and an email on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report. I express my right to demand EXPERIAN disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how EXPERIAN has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS Court system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provided necessary documentation.
Product: Credit card or prepaid card

I sent my legal tender of payment to Citibank. Where they opened a dispute to research my inquiry. They are opening a dispute like if they are the original creditors ( 15 USC 1602E,15 USC 1602G,15 USC 1602J,15 USC 1602I ) . But on the loan agreement ( promissory note ) there's only one signature in the documents. Statues related to US Code states that creditors are in fact a Natural Person. With my signature being on the promissory note and the only signature on it. Citibank is violating multiple US Code Statues and not only are they assuming themself as me in giving out credit and giving out falsely negative information to the three credit bureaus : XXXX, XXXX and XXXX. ( 15 USC 1681 B-2 ) ( 15 USC 1611 ) Not only are they committing fraud but hindering, my livelihood and reputation by reporting defamatory information and limiting the open-end credit. This has cause me and my domestic partner distress and is affecting our plans of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with all 3 reporting agencies, XXXX and XXXX removed the accounts. Waiting on transunion to remove the account. I submitted a ftc report and a dispute letter. I called XX/XX/XXXX and I called back today XXXX. I quoted the privacy law 5usc552a which states I am the living consumer, I control what's on the report. 15usc1681b no permission to place Fraudulently placing is grounds for {$1000.00} per violation and or imprisonment. If the other 2 CRA 's removed them why are they still reporting it?? 
THIS is affecting me getting my house. My realtor says it has to be removed. ASAP
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made all on time payments with XXXX XXXX NEVER MADE ANY LATE PAYMENTS XXXX XXXX AGREED TO REPORT TO BELOW credit bureaus a good will later as a mistake on their behalf of reporting a late payment to said credit bureaus XXXX REPORTING LATE PAYMENTS ( XXXX XXXX ) XXXX Equifax also has a address I do not live at XXXX XXXX XXXX XXXX XXXX Tx XXXX need to be removed Furthermore these credit bureaus have completely failed to protect my consumer rights and have been reporting inaccurate payment status that is reflecting on my personal credit report Which had dropped my score over XXXX points XXXX XXXX Equifax have fraudulent inquiries that are reporting on my personal credit report XXXX  FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax have fraudulent accounts & inquiries that I previously disputed in which they fail to remove being im a victim of identity theft XXXX XXXX  {$1900.00} XXXX XXXX XXXX  {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal has placed a limitations on my paypal account with no explanation as to what I did or might have done. I can not send or receive money permanently. I received an email on XX/XX/20 saying that I can not use paypal anymore. Period. I can not answer the email. I called an associate and they say they can not or will not help me, nor can they say what the problem is. They have a resolution department which I can not contact. If I click on that, I simply get a message saying that I can not use paypal anymore with no steps as to what I can do to get limitations removed. The associate gave me an email address to use, compliance.paypal.com. I sent an email and was simply told that there are steps to resolve the problem. They told me to go to paypal, help and resolution. Right back where I started. They say, and give me a link to contact customer service, and the link takes me right back to the problem I am having with absolutely no way to contact customer service. My rights have been violated. There is no way I can see to contact them with a track to resolving this dispute. I have been cutoff completely. In 180 days I can back any money I have in my paypal account but I have none. That is not the point. I can no longer receive or send money. I have sent money for 2 reasons, send money to my family and order from XXXX  none of which violates anything. I have been wronged. Any more steps I can take?
Product: Credit reporting or other personal consumer reports

Today, I discovered some inaccurate accounts listed on my credit report without any explanation. I regularly monitor my credit report, but this time I noticed unexpected errors. I tried refreshing the page, assuming it was a technical issue, but the incorrect information stayed. Because of this, Im requesting a careful review of the documents I provided to prevent this from happening again.
Product: Debt collection

Diversified collections keeps calling me after made several requests that they not contact me anymore. The numbers they contacted me from are XXXX XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I sent some money through wise to XXXX, XXXX since XX/XX/XXXX. I have been waiting for the money to be received. We decided to cancel the transaction after such a long waiting period. They refuse to recall or reverse the transaction. The recipient has been going to the bank to obtain the money and they cant locate the funds. The amount is {$1000.00}. O
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion said I cancelled a XXXX/XXXX  XXXX  card, I did not the company did because they issued 2 cards by mistake, so one was shut down, why am I penalized for that by XXXX points, when I have a credit Balance on that account for {$130.00}????? very unfair, will be filing a report with Washington consumer complaints if not fixed, check it out XXXX XXXX XXXX, XXXX, Pa. XXXX acct end in XXXX was a mistake by company, gave me two cards. 
Acct. ending in XXXX is the active account. 
XXXX XXXX  said they will not fix it. 
Please correct this Chat Conversation End
Product: Credit card

20 separate XXXX charges made by my son ( an authorized user ) within one month on my credit account were treated as cash advances by Chase Visa, even though no cash was involved. Each charge resulted in an additional minimum {$10.00} fee even though most of the charges were less than {$10.00}. Then, BOTH the XXXX charges and the additional fees were charged daily interest at 30 % APR from the date of each charge. These are ridiculous charges and interest for fees that were not communicated based on a link to XXXX app which is not even a cash advance but is treated as such. Additionally, the Chase credit card company says they do not have the ability to set cash advance limit on my account to {$0.00} ( so such charges would be denied ) on a personal account, but could do that for a business account.
Product: Checking or savings account

Customer paid me with a check from XXXX Bank. My bank Wells Fargo put a hold on it for irregular signature. Customer has verified that the funds have been taking out by Wells Fargo. If Wells Fargo has it, why are they waiting to release until the XXXX. They are using the money for themselves before I even see it.
Product: Checking or savings account

Synchrony bank, as usual, gave interest {$790.00} instead of {$800.00} for a traditional IRA CD ( one year term at 2 % APY ), for principal amount of {$40000.00}. This is going on for years. Just calculate the amount of money synchrony is pocketing ( illegally ) for years, involving millions of us account holders for regular CDS, and for traditional IRA CDS. 
The US government is a silent spectator. 
Synchrony bank must immediately refund {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 XXXX : XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} TRANSUNION : XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings! This was my fourth complaint to follow up the items for removal that I previously submitted in the date XX/XX/XXXX. May I repeat that under section 605b of the FCRA the XXXX, Equifax and XXXX Bureaus are required by law to remove any accounts or information which were found to be opened due to identity theft. Again, the disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
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 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 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

On Friday, XX/XX/2022, I called Prosper Customer Support and advised them that the Social Security number they have on file is incorrect. After 2 hours, I was told to email a copy of my ID and a copy of my of Social Security. They stated once it was submitted the issue will be corrected within a few hours. 

On Monday, XXXX XXXX @ XXXX, I received an automated email from Prosper Customer Support stating they received my question or concern and will respond as soon as possible. 

On Wednesday, XXXX XXXX @ XXXX, I received another automated email from Prosper Customer Support confirming they received my issue and are working to address it as fast as possible. 

On Monday, XX/XX/2022, I contacted Prosper Customer Support to follow up on my issues. After 2 more hours, I was told that an email was sent to a supervisor as sent an email to another department to speed up my issue. I then requested just to close the account. They refused to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX, XXXX, and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am following up to report an ongoing issue I am having with Transunion. It has been over 60 days and I am ONLY seeing THIS fraudulent account on Transunion Report : XXXX XXXX ACCOUNT # XXXX having been verified allegedly on XX/XX/2022. This is account appears to be someone else 's account and Transunion is violating my consumer rights. Under FDCRA, and 15 US Code 1681i - Transunion was suppose to notify me the consumer within 5 business days letting me know they received my dispute of questionable accounts. Additionally under 15 U.S. Code 1681i Subchapter III " If the Credit reporting agencies does not respond within 30 days of investigation request... .They must delete the disputed information. On my credit report I see verified as of XX/XX/2022, Who furnishes the information and certifies that the information is 100 % accurate and complete?? I am not aware of this account having my personal information nor my written consent was not given verbally nor in writing to Transunion nor XXXX XXXX to furnish this account information on my credit report. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.