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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Credit card or prepaid card

Me and my husband went to XXXXXXXX XXXX XXXX on XX/XX/2018 in  XXXX, CA to do a little shopping around. One store I went to was XXXX XXXX. When I went to pay at XXXX XXXX, the associate offered me a reward card and told me it would help me get {$20.00} off the purchase and get a free pair of underwear and I would get points as I spend money there. Most stores offer their own versions of reward cards for free so I was inclined to do. As I filled out their survey and finished, I was ready to put it on my debit card but the associate said that we had to put the transaction amount on the rewards card, which to my confusion, happened to be a credit card. No where in the conversation was the rewards card called a credit card, even when I asked what the rewards card entails. The associate never told me it was a credit card and never asked to pull my credit, but rather told me that it was just a free rewards card. Pulling credit is not free as inquiries can affect your credit which takes time and money to improve. So the associate wanted me to put the {$93.00} on the credit card but since I did not want the credit card in the first place I put on my debit card. We tried to talk to the manager but we got a supervisor named XXXX and while trying to explain the implications of this deceptive practice, we were told that we were being aggressive to trying to find a resolve. After leaving we called XXXX XXXX  Customer Service and talked to a CSR named XXXX who was very helpful, they wanted to send a {$25.00} gift card for the inconvenience. I was also told that this happened to another person by the rep so this seems that it can be a reoccurring incident. My husband works with loans and said that this would break certain laws/regulations under UDAP.
Product: Debt collection

Today, X/X/2017, i contacted Credit Protection Association, L.P. regarding 2 letters I had received from them. This is pertaining to an {$840.00} utility bill i owe. I inquired about settling the account, they said they DO NOT ACCEPT SETTLEMENTS. I offered to set up payments for $ XXXX/month. They advised me that " did not fall in their system as a valid payment arrangement '' and that I " could send that in, but it would still be reported to my credit '' ( which I am in the process of fixing, so that I can purchase my first home for myself, my fiance, and our XXXX daughters ) They provided me ONLY ONE option, that i put down 25 % and can only make 2-3 payments on the remainder. I told them that I CAN NOT afford that ( as I only work part-time and have XXXX children '' -- - they proceeded to tell me that is my only option and that their " system wont allow anything else '' I counter-offered to pay them $ XXXX/month for 8 months. They also stated that " isnt a valid payment arrangement ''?????? I have worked in the collection industry for over 5 years now, and as far as I 'm aware, this is NOT legal, nor is it just. I feel it is absolutely demanding, and that they are refusing to work with the consumer, just to put more money in their bonus checks. I of course, told them I will be in contact, and that I would be consulting with an attorney ( which i already contacted the New York State Attorney General as well )
Product: Credit reporting or other personal consumer reports

I have noticed several hard inquiries on my credit report that I did not authorize. These inquiries are not mine, and I request that they be removed immediately. Please update my report accordingly. Thank you for your prompt attention to this matter. 

Please see attached file
Product: Prepaid card

My account was hacked someone used my card and I did disputes the disputes came back into my account and the investigation is XXXX XXXX and I was awarded provisional credits, they suspended my account for no reason said it was a security risk they can no longer offer me services and they have all of my money they said they can hold my money up too 180 days it's my daughters money also we both got from the government. There not letting me add a bank account too withdraw it.they deleted my cards, I told them they can't close my account because they have our money. They said case was closed no correspondence was needed after emails.its venmo money services and Noone will help me direct me too a supervisor when asked several times I was denied amd the only people I can talk too is an account Specialist. This is ridiculous. I've contacted irs, XXXX, lawyers, I want my money amd my XXXX money.
Product: Credit reporting or other personal consumer reports

I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX V. First American Credit, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.

This account has reported two late payments, which is inaccurate. Ive never been late.
Product: Credit card or prepaid card

I'VE BEEN A VICTIM OF IDENTITY THEFT. NONE OF THESE ACCOUNTS BELONG TO ME AND THIS IS RUNING MY LIFE.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX  XXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XXXX. XXXX, 2019 LVNV FUNDING LLC Account -- {$140.00} that I owe. 
I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus. 

XXXX XXXX
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. 

XXXX XXXX XXXX, Account : XXXX XXXX XXXXXXXX XXXX, Account : XXXX XXXX  XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX. XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : 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 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: Debt collection

I have received repeated phone calls from a company called PDM, which I learned is a debt collection company. When I answer the person on the phone aggressively requests that I identify a person. I let them know on each occasion that I am not that person and I have asked them not to call me several times, including most recently when I called this company back today XX/XX/XXXX. I received calls on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have let credit bureas know that the information was not authorized and the have not removed these items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : False Credit Information : To Consumer Relations : I received a copy of my credit report and found the following mistakes, in that you are reporting inaccurate and false credit information. It appears that my credit identity may have been compromised. The following information needs to be investigated and removed as they are not mine. 

1. This is not my account and should not be on my report.. 
XXXX XXXX XXXX OF XXXX / XXXX Account Number : XXXX Please provide proof of a contract with my signature or remove it from my credit report. 

2. I never authorized this account is unknown to me. 
XXXX XXXX XXXX XXXX  Account Number : UNKNOWN ACCOUNT I never opened or authorized this account / this is not mine. Please provide proof of a contract and my signature or delete it from my credit report.
Product: Credit card or prepaid card

About XXXX years ago I enrolled several credit cards with dept totalling about $ XXXX with a debt relief agency. The debt has been resolved on all but one card. This enrollment reduced my credit score to XXXX from the mid XXXX. I have faithfully been paying {$1400.00} each month since then. 

I have three CHASE cards, two of which I always pay the balance each month ; one is a Amazon card. One card has half a dozen chargses that are automaticaly applied each month. The third card has a balance of about {$1800.00} that I am paying off slowly. Never a missed payment on these cards! 

CHASE decided to close each card account based on : ( 1 ) balance owed on revolving accounts too high ( 2 ) credit report shows judgement, tax lien, public record, or collection of accounts currently in use. 

I am slowly paying off my debt, yet during the covid crisis, CHASE decides to take such a drastic step, which is a major inconvenience. I have a XXXX Bank, two XXXX cards and a XXXX XXXX card, all responsible managed. Whats to stop these banks from closing my accounts? These banks should not be imposing such additional burden on those of us in the bottom 90 %, especially during this economic crisis. 

Please do what you can to help those of us in a similar situation to remain afloat during this difficult time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I have requested that the credit bureaus remove these fraudulent items that are reporting, numerous times. The credit bureaus, and creditors have never provided any proof that these are my account, no contracts or signature have been provided. The fraudulent items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these fraudulent items removed from my credit reports. They are also reporting incorrect names and addresses
Product: Credit reporting

Experian continues to report inaccurate and unverifiable information regarding XXXX bankruptcies. I have repeatedly advised them that I filed no bankruptcies on these dates, in these courts for the amounts specified on the credit report. They have lied repeatedly saying that They have verified with the data furnishers, the courts. The courts have verified that They did not provide them with this erroneous information. Experian continues to report it while lying about investigating my dispute. I nhave Experian to provide the third party vendor that provided them with this false information and they have not complied.
Product: Debt collection

I ended my contract with XXXX a year ago. A few months later their debt collector sent me a letter trying to collect over {$2000.00}. I responded asking for a list of what the charges are and disputing the bill. I didnt hear from them again. Today I contacted XXXX to try and use my phone for the government lifeline program but my device was locked. They sent me to their debt collection company Valor Intelligent Processing , LLC. The gentleman told me I needed to pay {$1300.00} to unlock my phone and when I told him I have been disputing the bill he began to berate me. I repeatedly asked for his name and he refused to identify himself and kept yelling at me to pay my bill. He eventually hung up on me after threatening me.
Product: Credit card or prepaid card

My card is this transaction is with the company called Current whos issuing bank is XXXX XXXX XXXX. I am still trying to resolve a gas station hold of {$75.00} since XX/XX/2021. I did not even make a transaction at the pump and they still held my funds. When I try reaching out to them they only have a chat support. They do have a phone number but you can never speak to anyone, you have to leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED FOR PROOF THESE INQUIRIES ARE LEGAL. I GET NO PROOF. ONLY SAYS VERIFIED!! I have asked Transunion to remove these inquiries from my report. These are not inquiries from me. I have also mailed all of these companies to remove them or prove I approved the Inquiry and have not had any luck with any response. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

So after reaching out to Bankruptcy court and also XXXX, and they verified that they didn't provide the credit bureau with information on this Bankruptcy that is reporting on my credit report. I ask them to removed this information based off of 15 U.S.C. 1681 and expressing this to the credit bureaus they refuse to remove it off of my report and it is hurting my credit file and lenders are turning me away left and right.
Product: Credit reporting or other personal consumer reports

They are violating my privacy per title 34 part 99 I never gave them written consent to put this information on my report.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education.

The Act serves two primary purposes : It gives parents or eligible students more control over their educational records, and It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).

An eligible student is one who has reached age 18 or attends a school beyond the high school level.

Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made.

( c ) When a disclosure is made under paragraph ( a ) of this section : ( 1 ) If a parent or eligible student so requests, the educational agency or institution shall provide him or her with a copy of the records disclosed; and ( 2 ) If the parent of a student who is not an eligible student so requests, the agency or institution shall provide the student with a copy of the records disclosed.

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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
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. 

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 XXXXXXXX, have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 4 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.