23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> and XX/XX/year> I received emails ( see attached ) from Best Buy stating a code to reset my password had been sought several times and my account was being shutdown for security reasons. 

I DO NOT have a Best Buy Account! I believe this is an attempt by hackers to steal my identity and make fraudulent purchases in my name. 

This situation can ONLY have been caused by the recent attempts on my part to refinance my house and the Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) SELLING my private information ( including my email and phone number, and other personal information ) which is now resulting in attempts to steal my identity. 

I called Best Buy and asked for steps to take to prevent this from escalating, and received an email address to send my email copy to and express my concerns... the email address given ( XXXX ) does not work and this matter needs to be addressed immediately. 

Someone ... Congress ... needs to address this gross injustice for citizens just trying to work hard and prosper. Homeowners ( or those trying to become homeowners ) should NEVER be subjected to this treatment. Without my CONSENT, my private information is being sold to the highest bidder, and the companies involved, are naively letting this happen. XXXX forbid, had they not shut my " so called '' account down - One I NEVER requested, I guess the fake ME would be happily purchasing goods in my name! 

STOP this madness CONGRESS!!! You have a bill before you to help protect innocent, hard-working, taxpayers from having this happen to them without CONSENT... 

Sincerely XXXX XXXX XXXXXXXX XXXX XXXX  Contract Employee XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Credit card or prepaid card

on XXXX/XXXX/19 at XXXX XXXX  I received an email regarding my costco visa card that said " THANKS FOR CONTACTING US ' I did not contact them! 

Then the y told me me " heres a summary of the recent customer service call regarding your costco anywhere visa. '' THERE WAS NO CALL! 

The email went on to say that .... 

" A card on the account has been reported lost or stolen. '' THE CARD WAS NOT REPORTED LOST OR STOLEN! 
THE IS/WAS IN MY WALLET ON MY DESK 10 FEET AWAY FROM ME. 

When I called customer service all they did was apologize. 

" We're sorry sir it appears we canceled your card because of a security concern. '' THAT SECURITY CONCERN WAS ME TRYING TO USE MY CARD. 
THEY NEVER SPOKE WITH ME THEY JUST UNILATERALLY CANCELED THE CARD FOR NO REASON.
Product: Debt collection

I am sending ANOTHER complaint. This is in response to complaint number  XXXX  that was closed. They have again called me at the main number at my work.  XXXX  from  American Express is the representatives name. They said they had tried to contact me on my mobile  but they had only called me at  XXXX   XXXX  today. ... .And then they immediately called me at work right after that. In the complaint from a month ago, they said they would not contact me at work and considered the matter closed. I am paying them  XXXX /month. When are they going to actually be held to the standards of the law?! He acted like once again he did n't know about not calling at work but when I mentioned the complain he was suddenly very accommodating. This is my THIRD request to them to remove my work number! I never even authorized my work number to be called t begin with. Both of my parents died and I am trying to manage a lot of bills right now while politely working and paying all of them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name 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 XXXXXXXX XXXX : # XXXX XXXX has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a known ID theft victim of the 2017 Equifax data breach and they continue to report fraudulent information on my credit report resulting from that breach.
Product: Debt collection

I received a Civil Summons from One Main Financial Group on XX/XX/XXXX from a police officer at my home that me and my husband were being sued for a debt back in XXXX. I have never received any Debt Validation Letter from the company. I reached out to the company via phone and spoke with an agent named XXXX and asked if they could send a Debt Validation Letter and he got quiet for a moment then said he would, but we never received it as of today. I do not even know the account number. They say I owe {$15000.00} which is also inaccurate as well.
Product: Debt collection

I sent a validation request certified Mail to Santander and it was received and signed for by a XXXX XXXX on XXXX XXXX, XXXX my previous complaint to this company was returned stating that they did not receive said request ( page 2 of attachment XXXX ). attached below is the requests sent and the proof that said validation request was received by Santander Consumer USA. 
They also proceeded to send me a copy of a contract and not the original Only I as a consumer, and the original creditor can validate this debt and I vehemently refute this debt. 

PLEASE BE ADVISED PURSUANT 15 USC 1692g A contract is not validation This is a notice that Santander Consumer USA is in violation of multiple protected rights and should proceed to remedy these violations in the manner provided below.
Product: Money transfer, virtual currency, or money service

This account has been open since XX/XX/XXXX and operating without incident. Suddenly without warning on XX/XX/XXXX we received a notice that we needed to verify our trading address by XX/XX/XXXX or the account will be suspended. My controller provided the address and on XX/XX/XXXX we received a notice that the account was suspended because of an address issue and a wire was returned. Even though this is a business account, the support representatives will not speak to any company representative except myself, they are rude and uncooperative on the phone and talk over me when calling. This appears to be a policy change that was not communicated to me in writing and is not clearly outlined on the website. It takes days to verify an address and despite providing our physical address, it is still not verified and this account is still suspended. The customer service is lacking, disclosures about this requirement are not clearly outlined on the website and the process for verifying accounts is not working correctly. There are no supervisors available, there is no phone number to call, this company is unresponsive to Texas businesses. I have recordings of our calls and the emails for reference.
Product: Payday loan

Paypal sent promo email for 24 months interest free financing on Ebay purchases or {$600.00} or more. I clicked the link to " shop now ''. Made a {$1900.00} dollar purchase. When I logged into account the same day it only showed 6 months interest free. I called paypal, they asked me to forward them the email so they could see it. They then agreed and said they would fix it to the 24 month promo. I received an email on XX/XX/XXXX stating they had fixed the loan. I logged on to my account today XX/XX/XXXX and it was still saying 6 months. I called back and was told they was not going to honor the 24 months. I have all original emails if needed.
Product: Credit card or prepaid card

Apple Card closed my account after they claimed disputes of the goods i had used. I had contacted Apple with the hope of a resolution but I have not heard back. I would want AppleCard to reinstate my account fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section XXXX ( a ) ( XXXX ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which XXXX potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have two loans from XXXX XXXX that have been consolidated, but are still showing on my credit report. 
They were both opened on XX/XX/XXXX and closed on XX/XX/XXXX. 
The first one is for {$5500.00} and the second is for {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XX/XX/2022, Hunter Warfield I am replying to complaint # XXXX. I have attached document that you attached to the complaint number above. Along with a letter that I mailed to your business. Be advised that you have already violated the fair debt collections practices act be providing me with a deceptive form. As the law states -15 U.S. Code 1692j - Furnishing certain deceptive forms- ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. 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 ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT. 


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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages. 




FAILURE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESULT IN LITIGATION TAKEN AGAINST YOU. 


Sincerely, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received new credit reports from XXXX, Equifax and XXXX. All 3 have inquiries that I did not authorize. I have called some of the companies and they told me to get with the CRAs to remove them. The CRAs are neglecting to remove the inquiries, stating that they are Factual. If they are factual show me my ohisical signature authorizing each of those companies to review my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ( TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX XXXX XXXX Date XX/XX/2XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/21, 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 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX  WV XXXX 15 U.SCode $ 1681c-2 a consumer reporting agency shall block the reporting of 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 receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relatesNEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

To begin, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. 
I, a federally protected consumer, have never conducted business with a XXXX XXXX. I have contacted this company by mail requesting proof of a contract containing my wet-ink signature with no response or recourse. 

I have conducted a UCC-1 search in the states that I have lived in the past 10 years. My search produced XXXX liens from any person or organization. 

Just because this company purchased a debt, Experian does not have the right to continuously violate my federally protected consumer rights which have a severely negative impact on my livelihood. 

Furthermore, I have disputed this fraudulent activity on both XXXX and XXXX and both have admitted to their faults and removed this item from my reports. 

I will request one additional time that you remove this item and update my report accordingly.

I will be seeking remedy for no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Debt collection

XX/XX/XXXX I sent a certified letter and asked pro collect to validate the debt that was owed. A couple of weeks later on XX/XX/XXXX I received a letter that had some but not all papers of the lease and some documents that had what was owed on it. But the amount owed didn't make sense because it had 3 extra Months of rent on it. I sent another certified letter out and Asked for the Full Lease agreement and why there was 3 extra months owed and if there was a settlement offer and I have received the returned receipt back on XX/XX/XXXX but nothing else back from what I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Experian detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Experian and requested that the fraudulent accounts be blocked pursuant to federal law. Experian did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Experian continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Experian continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).