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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

My XXXX  debit card expired last XX/XX/2020 with {$300.00} still in it. XXXX did not send me a new working card so, on XX/XX/XXXX, I called up the company customer service and they told me " Oh we are sorry we are sending it now, wait 2-4 days, '' I waited for 2 weeks and nothing arrives. I make calls 4 times, and they made the same promise each time, I waited each time for 2 weeks and nothing arrives. I finally decided to make a complaint into your good office. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the serious infractions committed by LCI Consumer Center regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that LCI Consumer Center is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, LCI Consumer Center is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Product: Debt collection

The company name is Portfolio Recovery Associates. They call me Monday - Sunday about 5 to 9 times per day. They called me today,  Sunday, at XXXX XXXX. They have also called my husband who has nothing to do with what I have to pay. I have sent them letters requesting more information and they have not replied back. They are extremely rude.
Product: Credit reporting or other personal consumer reports

previously disputed account late payments reporting XX/XX/XXXX & XX/XX/XXXX in violation of heros act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well.

Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent.

Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law.

The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic.

XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.
Product: Money transfer, virtual currency, or money service

This is in reference to Paypal.com and using paypal credit. I ordered a dress from a very disguised XXXX website ( XXXX ) on XX/XX/XXXX paying {$74.00}, realized my mistake and canceled the order on XX/XX/XXXX, per their website within 24 hours and prior to shipping the product. 

I contacted them on the first time XX/XX/XXXX to request a refund, and XXXX times making the same request since. I filed a dispute with Paypal on XX/XX/XXXX, stating I could not communicate with the seller and I wanted my payment refunded. Paypal gave the seller an opportunity to send me the product ( a dress ) and closed my case on XX/XX/XXXX. The product the seller has sent is a cheap necklace, so I opened a new dispute that the item is not as described on XX/XX/XXXX. 

Paypal has given me 9 days to send this product back to XXXX. I can not ship to XXXX in the middle of a pandemic, they will not communicate with me and are refusing to refund my money when I had clearly shown the product was not as described and is not desired. I've done everything in my power to immediately stop this transaction, and Paypal 's advertisement of buy protection is a false advertisement. Paypals purchase protection is quoted as follows from their website : " When buyers pay with PayPal on any website, PayPal Purchase Protection covers them in case there is a problem. If an item doesnt arrive or is significantly not as described, we will help buyers get a full refund.

To qualify for PayPal Purchase Protection : Use PayPal to complete your payment.

Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within the timeframe noted in the transaction details. If you can't resolve the issue with the seller, escalate the dispute to a claim within 20 days of the date you opened the dispute. 
Keep your PayPal account in good standing.

If your transaction qualifies for PayPal Purchase Protection you are covered for the full purchase price plus the original shipping charges. '' This product more than qualifies.1. I tried to cancel the order. 2. I've sent numerous emails to the seller as well as contacted them via their contact us the website. 3. I am willing to ship this invalid product back to anywhere in the U.S. that I can actually ship it to.
Product: Credit reporting or other personal consumer reports

I viewed my reports and noticed items that weren't mine. I haven't applied for credit with Capital One XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has put a remark on my XXXX report account abuse and i paid XXXX thats not mines. They also have several address that i never lived address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX phone number XXXX-XXXX-XXXX  i never had this account with XXXX XXXX and these addesses are not mines someone mustve used my information but it wasnt me. i attached pictures of the report and my drivers license.
Product: Credit reporting

On XX/XX/2016 I sent a letter to XXXX XXXX disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is mine.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts, which hurts me to request some credit, I would like it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX CREDITOR INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account 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 account need to be investigated and corrected for erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no clue what this is On BURKE MOORE LAW GROUP , LLP received my letter USPS tracking number XXXX and which stated ... ... ... ..I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim.. I have no idea what this is plus they are in default!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX  XXXX BANK XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE BULL. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

XXXX XXXX XXXX- XXXX XXXXXXXXExperian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX Experian XXXX XXXX XXXX XXXXExperian Inquiries : XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian
Product: Mortgage

I reached out to XXXX XXXX from Wells Fargo Home Mortgage to get a mortgage loan. She was the main point of contact as she was the preferred lender from my home builder. She helped lock in a mortgage rate of 3.25 % after running a credit check back on XXXX XXXX. I told her that I was happy to proceed with the mortgage loan since my previous lender quoted me a rate of 3.668 % and she charged my credit card for an appraisal. I went ahead and worked with the underwriter by sending them all my financial documents. I had difficulty reaching XXXX ever since our first contact because she never returned my calls or emails. She went AWOL on me. I found her at her office on XXXX XXXX and she told me everything was going smooth and not to worry. I learned later that my appraisal was never sent to the home builder and I could not get hold of XXXX. She later tells the underwriter to stop processing my mortgage loan since I was going with my previous lender but I never communicated that message to her at all. I even told her that I could not reach you so there was no way for me to relay that message to her. On her own, she decided to stop processing my mortgage loan. By this time, I had less than 30 days to close escrow so I could not shop around rates any longer and had to go back with my original lender so I could close on time. XXXX XXXX did not process my mortgage loan that she promised me and decided to ignore any messages/calls that I sent her. I lost out on getting a good mortgage rate and the ability to shop around for rates since she deceived me into thinking that she was working on my mortgage loan but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian multiple times as well as the company I extended credit " XXXX XXXX XXXX  '' I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent and need to be removed. I have sent them an ftc report as well as police report.
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  ( Original Creditor : 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 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: Checking or savings account

We have been unsuccessfully attempting to close an IRA that my Mom had at Webster Bank. She died two years ago and we have had multiple interactions with the bank, filled out all the requested forms ( multiple times ) to no avail. I finally jumped through every hoop and was told I'd receive a check in the mail only to receive a deposit slip showing my portion of the proceeds had been deposited into some random account that I have no access not knowledge of. The bank has been unwilling to complete the closing of this account. We are at a loss as to how to proceed in securing the money which, by law, is OUR money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with Equifax,  XXXX , and   XXXX   with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act S  ection 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
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Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX