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

I filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for theft and abuse opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX  or a XXXX XXXX  acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX   or XXXX acct even if i have to contact an attorney
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Account - XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) To Whom It May Concern, I am writing to request the blocking of the fraudulent XXXX XXXX XXXX XXXX account ( Account Number ending in XXXX ) from my credit report. This account was opened and used without my authorization, and I have been a victim of identity theft. 

Per the Fair Credit Reporting Act ( FCRA ), I am exercising my right to have this fraudulent account blocked from my credit report. The account was confirmed as fraudulent, and I have taken the necessary steps to report the identity theft to the relevant authorities. 

I have enclosed the following documents to support my request for the account to be blocked : 1. A copy of my government-issued ID.

2. A copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 
XXXX. XXXX XXXX document to support my claim. 

Please remove and block this account from my credit file as soon as possible, as it was not authorized by me and has negatively impacted my credit standing. Kindly notify me in writing once the account has been blocked. 

Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days.
Product: Credit reporting or other personal consumer reports

Im writing to express my deep frustration about the accounts on my credit report that are in pending litigation. Ive contacted your office several times to correct this issue, but Ive been met with silence or no action. Its disheartening to see my credit score impacted by accounts that arent even accurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the CRA XXXX and Experian on XX/XX/2023, I received no response from the CRA only XXXX removed my accounts. I had to call in order to get my report sent to me and yet and still the negative accounts still remain on my credit. 

This complaint details how XXXX & Experian are violating the law. 
The evidence will prove that XXXX solutions incorporated knowingly willfully violated the federal credit reporting act 605C. The evidence will show that XXXX & Experian conspired with the companies listed on my credit report to violate my consumers rights.
Product: Credit card or prepaid card

From XXXX  through XXXX, I was travelling abroad ( XXXX and XXXX ) for the first time in many years. While I was travelling, I used the Citi Thank You Rewards credit card to pay for transactions, unaware that usage of the card would trigger foreign transaction fees of 3 %. While on my trip, I used the Citi Mobile App to track my transactions. I was careful to review the exchange rates and any potential additional fees associated with those transactions. During my 10 days abroad, none of the transactions I reviewed in the Citi Mobile App appeared to be subject to foreign transaction fees. There were no foreign transaction fee line items nor any language in the app about the potential for foreign transaction fees. It was not until my billing cycle had closed and a billing statement generated that I saw one large line item for foreign transaction fees at the bottom of the billing statement. Had I seen those fees in real-time on the app, I would have stopped using my card immediately and instead used cash or a different credit card. It is a deceptive practice of Citi to not post fees in a timely manner to customers ' accounts. I have had the Citi Thank You Rewards card for many years, and it is unreasonable to expect that I would remember all the terms and conditions of the card, especially in the case of foreign transaction fees, because I do not travel abroad often ( in fact my last trip abroad was over 5 years ago ). I called Citi on XX/XX/, spoke with a service rep and a supervisor, and discussed my concerns and they refused to waive the fees despite the fact that I have been a loyal customer, have always paid my bills on time and have excellent credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Iowa XXXX XXXX XXXX XX/XX/XXXX [ Green State Credit Union XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Violation and Demand for Action Dear Sir/Madam, I am writing to formally lodge a complaint regarding the continuous and unauthorized reporting of my credit information to a credit agency by Green State Credit Union XXXX which constitutes a direct violation of a cease and desist notice I previously issued. This ongoing communication is not only unwarranted but also illegal under multiple federal statutes.

# # # Violations 1. **Cease and Desist Violation : ** Despite my clear cease and desist notice, Green State Credit Union has continued to report my credit information to a credit reporting agency. This action is a form of communication that must cease immediately. Furthermore, this communication must also include the deletion of my information from my credit consumer report.

2. **Gramm-Leach-Bliley Act Violation ( 15 U.S.C. 6802 ) : ** I have opted out of information sharing pursuant to 15 U.S.C. 6802, and I have provided notice of this opt-out to Green State Credit Union . However, the bank has continued to share my nonpublic personal financial information in blatant disregard of my rights under the Gramm-Leach-Bliley Act.

3. **Fair Credit Reporting Act Violation ( 15 U.S.C . 1681b ) : ** The continued reporting of my credit information without my explicit written instruction and permission is a violation of 15 U.S.C. 1681b. I challenge Green State Credit Union and the credit reporting agency to produce any documentation proving that I have given such permission. As I have not provided such authorization, this reporting is illegal and must cease immediately.

4. **Identity Theft and Assumption Deterrence Act Violation ( 18 U.S.C . 1028A ) : ** By passing my nonpublic personal financial information without lawful authority, both Green State Credit Union and the credit reporting agency are in violation of 18 U.S.C. 1028A. This is a serious offense and will not be tolerated.

# # # Notice of Potential Litigation Should these demands not be met promptly, I will have no choice but to seek legal remedies for harassment and abuse. This will include filing a lawsuit for each violation outlined above. Be advised that this will include claims for damages due to the continued distress and impact on my financial standing caused by your illegal actions.

# # # Conclusion Please treat this matter with the utmost urgency and respond in writing within 14 days of receipt of this letter. Failure to comply with these demands will result in immediate legal action. 

Sincerely, XXXX XXXX XXXX : ** - Federal Trade Commission **Enclosures : ** - Copy of Cease and Desist Notice - Relevant Documentation for Reference
Product: Student loan

Good Evening, I 'm XXXX and I am writing in response to the Navient student loan legal concern. I recall being encouraged to take out a forbearance due to my financial situation. During this time I was trying to work to support my XXXX Mother and I, my income was the sole income there was no way I could pay monthly student loan amounts, so I was offered forbearance. I was never told anything about any other options and it was n't until recently that I heard of the income contingency plan. The customer service people at Navient make you feel lower than dirt for not being able to pay your student loan monthly amount. I 've cried in bed multiple times trying to figure out how to satisfy these people to the point of a full scale XXXX XXXX. I 'm not saying I do n't want to pay them, I am saying its impossible at this time and the federal student loan forgiveness plan put forth through President Obama, should be implemented regarding private loans. I 'll never pay off my student loans and money I have struggled to send appears to be pointless for the balance continues to grow, its like trying to walk uphill during a major mud slide you 're going to get buried. Please help myself and others, and thanks for bringing this issue into the spotlight.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent money through Venmo. I can not access this money. Venmo blocked me out. Venmo stole the money. Venmo 's system is a scam.
Product: Credit card

On XX/XX/year> I submitted a dispute with Chase regarding a ring I purchased on XX/XX/year> in XXXX that turned out to be fake ( lab made ) for {$1100.00}. The details of the transaction is included in the attached documents that I submitted to Chase, but in short, the salesman represented the ring was authentic but the certificate stated " LBRT '', which I did not know until I researched afterwards to mean labmade. I called the store for a refund on XX/XX/year> and told they would not accept returns. I emailed them on XX/XX/year> and they responded by email stating they would not accept return. The category of my dispute with Chase was " merchant refused to accept return ''. However, Chase denied this claim, citing " we reviewed the information available and found that the merchandize was provided, and you didn't return it or make arrangement for the merchant to pick it up ''. This is directly contradicted by my emails. Chase did not consider any of my evidence in siding with the merchant. The merchant never submitted any evidence that they would accept the return. If they did, I would have loved to just return it. 

Attached are 1. My original dispute package to Chase describing the purchase, with evidence ; 2. a letter that I sent to Chase to refute their unfounded claim that I didn't try to return the item, with the emails with merchant attached as proof ; and 3. Chase 's denial letter There are more documents I can provide if helpful to you. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED MY ID THEFT REPORT AND THEY HAVE FAILED TO RESPOND IN THE TIME ALLOWED IN SECTION 605B. THEY ARE IN VIOLATION OF 605B OF THE FAIR CREDIT REPORTING ACT. THIS AFTER I WAS A VICTIM OF THEIR DATA BREACH!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX  Employer - XXXX  XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased a XXXX from what I believed to be XXXX XXXX online XX/XX/year> for {$60.00}. It was a XXXX XXXX is a type of program disguised as a legitimate program. In fact it was XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$60.00}. I was scammed. I reported the scam to XXXX at US Bank credit card fraud department and he refused to take a fraud report. I then filed a fraud report with XXXX around XX/XX/year> after speaking XXXX XXXX customer service at XXXX XXXX at XXXX, an advised me that my purchase, tracking number, merchant number and product never existed. I advised XXXX at US Bank fraud of this. XXXX advised me that fraud investigation had been cancelled by XXXX. XXXX transferred me to XXXX who took another fraud report case # XXXX. Today, XX/XX/year>, I received a letter, " Unfortunately, you did not cancel the merchandise prior to the date of the transaction. We are unable to stop a transaction from posting to your account. If you wish to return the merchandise you will need to contact the merchant directly and request a cancellation. '' US BANK is going to enormous step NOT to take action. US BANK will not offer ME protection against fraudulent charges from XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Prepaid card

This complaint involves a {$500.00} Vanilla gift card that I received from my coworkers for XXXX XXXX treatment. I had a bills to pay on XX/XX/year> and attempted to use and apply the gift card toward the bill and card was declined. I I contacted the number on the back of the card on XX/XX/year> and spoke to a representative who opened a case and told me to email a copy of card front and back, send proof of residence and receipt. I told him I no longer have the receipt. I sent on a copy of the XXXX card, proof of residence and filed a lost/stolen report. I still have not heard back as Ive sent in several emails, faxes, calls and mailed a letter. I was under the impression that they would send me a money order or check for the amount of the card within 90 days. The case # XXXX with Vanilla visa contact Imcomm Resolution is Email to XXXX Fax to XXXX Mail to : XXXX, XXXX. 
Attn : Resolution Department XXXX XXXX XXXX XXXX, GA XXXX Case Resolution XXXX XXXX XXXX XXXX, GA XXXX Fax : XXXX Email : XXXX Please help me get a resolution with this business. This is very frustrating just trying to receive the money that was given to me to spend on my XXXX treatment. Please help expedite this if you can
Product: Student loan

XXXX ( Fedloan ) owes me {$38.00} for overpayment I made when paying off my student loan. You have until this Friday to XXXX me my check or you are getting a greeting from the State of California. You and I are still not done. 

When I said I would stay on your XXXX until the very end. I meant it. 

Thank you for my final payment notices, now give me my money you XXXX XXXX XXXX 

I should tack on compounded interest daily, should I make it {$100.00} for non- payment, you are two months behind.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXX ..., XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX ..., and XXXX XXXX Account Number XXXX ... have their credit history reporting on the 3 major credit agencies. Per 15 U.S.C. 1681a ( 2 ) ( 1 ) it is illegal to report transaction history on the credit report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I also have a charge-off reporting on my credit from XXXX XXXX XXXX as the original creditor who sold the debt to XXXX XXXX . Charge offs are income ( Certificate of Indebtness ) to the consumer and can not be reported on a credit report. Thank you all for resolving these matters for me.