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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear XXXX Team , I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the XXXX data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : 1. XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX- XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX - XXXX The following inquiries were not authorized by me : 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above.

Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision.

Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security Card Utility Bill
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXX  since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my bank account. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXXXXXX 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 of 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

My Sears Credit Card, issued by Citibank North America REFUSES TO REPORT MY ACTUAL PAYMENTS PER MOUNTH I WAS MAKING AND TO INCLUDE THEM IN THE BALLANCE HISTORY OF THE THREE CREDIT BEAUROS. Instead,  Citibank North America sent me a letter stating that only the balances, minimum payments required and defaulted payments will be reported. 

I disagree! Bellow is the copy of my XXXX SEARS/CBNA XXXX XXXX XXXX XXXX, SD-XXXX as reported by XXXX XXXX: 


Account Number: XXXX   Status: PAYS AS AGREED   
Account Owner: Individual Account.  High Credit: $XXXX    
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $XXXX    
Term Duration:   Terms Frequency: Monthly (due every month)  
Date Opened: XX/XX/XXXX Balance: $XXXX    
Date Reported: XX/XX/XXXX Amount Past Due:    
Date of Last Payment: XX/XX/XXXX Actual Payment Amount:    
Scheduled Payment Amount: $XXXX    Date of Last Activity: XX/XX/XXXX   
Date Major Delinquency First Reported:    Months Reviewed: 2   
Creditor Classification:   Activity Designator: N/A   
Charge Off Amount:    Deferred Payment Start Date:    
Balloon Payment Amount:    Balloon Payment Date:    
Date Closed:    Type of Loan: Charge Account  
Date of First Delinquency: N/A 
Comments:   


As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Product: Student loan

XXXX XX/XX/2023 I submitted a qualifying loan forgiveness application which was approved. Mohela informed me that it would be placed in administrative forbearance until the acct was updated by DoE. I requested an update again in XXXX and was told give it another 30-60 days. I received a payment request and the acct was removed from forbearance in XXXX but the acct has not been serviced or updated properly. I have endured several hours on hold only to be told the acct was approved for loan forgiveness but the acct has not been updated and a payment is still being requested in the full amount. The payment is not past due with another right behind it but the acct remains unchanged and Ive been given bo timeline for updates or servicing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed several items that I feel compelled to dispute. This situation has caused me considerable XXXX, and I believe it warrants a fair and prompt resolution, which has not yet been provided. The accounts in question involve a transaction that clearly falls under the EXCLUSION section of the FCRAs definitions. Additionally, these were reported without my written consent, pointing to potential identity theft, as defined by the Federal Trade Commission. 

I strongly believe these accounts should be deleted, as they are not tied to any transaction I authorized. I did not grant your agency permission to report this information, making this a violation of the permissible purpose section of the FCRA. Consequently, your agency may be liable for damages of at least {$1000.00} under the civil liability section for willful non-compliance. I respectfully request that these items be removed from my consumer report promptly.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.
Product: Debt collection

I am planning to buy a home one day so I pulled all of my credit reports. I am not in a contract with this agency National Credit Systems, and I did not sign a contract with National Credit Systems I have no knowledge of this collection account. 
I am not liable for any debt eigh National Credit Systems and they did not provide me with what I requested which was original contract.Touch and hold a clip to pin it. Unpinned clips will be deleted after 1 hour. 
This is debt that is not mine is defamation, effecting my credit, my reputation, and livelihood.
Product: Student loan

I received mailings from Ameritech Financial stating that they could help lower my monthly student loan payments by filing paperwork with my loan servicer for Income Driven Repayment. From what I understood, I would pay an initial fee to Ameritech for them filing the paperwork, and then they would make payments on my behalf directly to my loan servicer. I began with Ameritech on XX/XX/XXXX and they withdrew their first installment of {$250.00} on XX/XX/XXXX. They made 5 more withdrawals of {$250.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$1500.00}. They then withdrew {$99.00} for the next 18 months for a total of {$1700.00} with the last payment being on XX/XX/XXXX. I cancelled payments at this time because I kept getting emails from my loan servicer stating that I had payments due. I was not satisfied with Ameritech " paying '' my servicer because I thought they were making late payments. At the beginning of XX/XX/XXXX I received a letter stating that Ameritech does not make payments on my behalf to my loan servicer. I logged into my loan servicer online and found out that because no payments were being made by Ameritech, {$5200.00} was capitalized to my loan on XX/XX/XXXX. I am filing a complaint because I believe that Ameritech was deceptive in how they advertised their loan repayment services and not only took money for services they were not completing, but caused me to have more than {$5000.00} capitalized to my loans for nonpayment of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

I was sent a collections letter ( AWA collections ) and i responded directly to the company ( XXXX XXXX XXXX ) that i do NOT owe this debt ( letter attached ). This is from a franchise business i owned over 5 years ago ( XXXX ), and since all the franchises have gone under, the parent company is trying to scam former franchisees out of money illegally. ( they claim i owe $ XXXX ) I sent a letter to the company ( XX/XX/XXXX) telling them to remove this debt from my credit report immediately, with no response. Im not sure if once the company hands it over to collections, that they can not be involved anymore? 
The company claims i closed the franchise location without telling them, but i have a letter showing that i did put in writing to them that the franchise needed to be closed, as it was not generating revenue to pay salaries etc. I had no choice. ( i even took out personal loans to try and keep the franchise going, but it was in vein.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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 or other personal consumer reports

I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.
Product: Money transfer, virtual currency, or money service

I have sent have several transfers of money using XXXX. One such transfer was on XX/XX/2023 when I sent XXXX from USD to EUR using my connected bank account ( ACH ), which is USAA. It cost XXXX USD and will now cost XXXX USD. * This is because the fee for sending USD to EUR using my connected bank account ( ACH ) has gone from XXXX USD + 0.58 % to XXXX USD + 0.68 %. These include Hidden remittance fees = junk fees! which are buried in each transaction. 

On XX/XX/2023 I transferred XXXX from USD to EUR, and on XX/XX/2023 I transferred XXXX from USD to EUR, each of which include Hidden remittance fees = junk fees! which are buried in each transaction. ( i.e. FX markups ) Hidden fees included in a currency exchange transfers are junk fees.
Product: Credit reporting or other personal consumer reports

This is the XXXX request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting act 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION. 

XXXX Equifax and XXXX asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, my personal information has been compromised, resulting in unauthorized accounts and inquiries appearing under my name. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX - I received a call from a man named XXXX on behalf of American Express now known as XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX ) XXXX and XXXX. Then the same man called again today XX/XX/XXXX multiple times and I told him that I would reach back to him and that I was on my way to work. He apparently did not listen to me and I have attempted to block him multiple times and he keeps calling me. My mother has had her bank account hacked so if you can understand that a person with a foreign accent calling me about information on my mother, then yes I will be reluctant to disclosing this information to a stranger. 

The person that he was trying to reach was my mother, XXXX. after speaking with my mother, I relayed all the information to her about the calls and she stated that she has currently hired a company to help her consolidate her payments into one. this person asked me for the last 4 of her ssn, and I told him that I will not release that info and then he asked me for the year of her birth. he proceeded to go into great detail about her credit card info and the delinquency of the card. 

I asked him how did he get my phone number and he stated that this info was listed on her account ( TO WHICH IT IS NOT ) she does not list my phone number on her account and no information has been shared except by this man with this company. How this man retrieved my personal cell phone number to reach out to get in touch with my mother. I played along and he fell for all this and then some. 

I did explain to him that he has in fact reached her daughter, XXXX. I clearly told him that my personal info is not listed anywhere on her account what so ever. 

This is not the first time that this person has attempted to contact me and when I told him that I was going to report him and his company for violating a customers rights he didn't know what to say after that. 

I did inform my mother all this info regarding to which she contacted her lawyer and she stated that she has let them know about this violation. 

I clearly told him that my phone number is ON THE NATIONAL DO NOT CALL LIST AND HAS BEEN FOR MANY YEARS. I want to file a formal charge for the harassing phone calls that this man has called on multiple times. I do not answer my phone for strange phone numbers but I had to answer this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX Credit XXXX XX/XX/XXXX 2024
Product: Debt collection

On XX/XX/XXXX, I entered into a payment arrangement with Frontline Asset Strategies in order to settle credit card debt that was originally with XXXX XXXX XXXX XXXX XXXX. A copy of the payment arrangement is attached. In accordance with the payment arrangement, Frontline Asset Strategies was authorized and withdrew via XXXX from my checking account payments XXXX through XXXX on the attached payment arrangement. On XX/XX/XXXX, I received the attached email from XXXX XXXX XXXX reminding me that the final payment of {$350.00} was scheduled for XXXX on XX/XX/XXXX. On XX/XX/XXXX, I logged into my bank and noticed that the {$350.00} XXXX had not posted to my account. On that same day, I called XXXX XXXX XXXX to find out why the final payment was not drafted. I was informed that as of XX/XX/XXXX XXXX XXXX XXXX  merged with Radius Global Solutions, that my account was returned to XXXX XXXX XXXX XXXX XXXX for futher handling, and that Radius was not able to give me any further information. I attempted to contact XXXX XXXX XXXX XXXX XXXX to resolve but was unsuccessful in reaching them. On XX/XX/XXXX, I received a letter from Radius Global Solutions ( copy attached ) stating that they are now attempting to collect debt owed to XXXX XXXX XXXX XXXX XXXX, which is the same account in the payment arrangement I entered into with XXXX XXXX XXXX Radius Global Solutions is attempting to collect {$1700.00} from me for this debt. I do not understand why they misinformed me about the account being returned to XXXX XXXX XXXX XXXX XXXX, why the final payment of {$350.00} was not withdrawn in accordance with the agreement, and why the payment arrangement was not honored if the companies merged and the debt remained with XXXX XXXX XXXX XXXX XXXX . XXXX  clearly has a record of the XXXX payments that I made to XXXX since the amount of those payments is reflected on the communication they sent to me. I absolutely dispute owing {$1700.00} to XXXX. I will pay the final payment of {$350.00} as per the terms of the original payment arrangement entered into with XXXX XXXX XXXX to fully and finally resolve this debt.
Product: Checking or savings account

They refuse to open me a bank account checking its not fair I was disrespected at their branch by their employees
Product: Checking or savings account

I have a Chase checking account. On XX/XX/XXXX I received an email notification that a XXXX recipient was added to my account. The email prompted me to pay the recipient and also informed me to contact Chase customer support if I did not add the recipient ( see webmail screenshot ). I did not add this recipient nor did I authorize this transaction. I immediately contacted customer service and logged into my Chase account. I found {$4700.00} was transferred out of my account through a XXXX transaction to the recipient that had been added moments earlier. I submitted a fraud claim and Chase denied the claim suggesting that they could not prove fraud ( see attached XX/XX/XXXX letter ). I appealed and again they denied the claim for the same reason. ( see attached XX/XX/XXXX letter )