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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who LTD FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who LTD FINANCIAL SERVICE is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX XXXX                 UNVERFIED
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}
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.

The letters are stated with items and issues. 

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 XXXX 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

I applied for a XXXX/XXXX credit card and was shown a TransUnion score of XXXX. I accepted, but then checked with TransUnion directly and my score was XXXX! I was deceived and given a high APR and low credit limit using inaccurate information.
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 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 card or prepaid card

On XXXX XXXXXXXX XXXXXXXX PayPal indicated that my accounts were " permanently suspended '' for " violation of the Acceptable Use Policy. '' PayPal declined to indicate which provision of the Acceptable Use Policy was allegedly breached or what activity led to the closure. Upon review of the acceptable use policy ( reproduced below ), there are no sections that I have violated. As such, this closure is in error, and my accounts should be reopened. My wife 's accounts were similarly limited without explanation. 


Acceptable use policy as of XX/XX/XXXX : Acceptable Use Policy Last Update : XX/XX/XXXX print You are independently responsible for complying with all applicable laws in all of your actions related to your use of PayPal 's services, regardless of the purpose of the use. In addition, you must adhere to the terms of this Acceptable Use Policy. 
Prohibited Activities You may not use the PayPal service for activities that : violate any law, statute, ordinance or regulation. 
relate to transactions involving ( a ) XXXX, XXXX, certain controlled substances or other products that present a risk to consumer safety, ( b ) XXXX XXXX, ( c ) XXXX, ( d ) items that encourage, promote, facilitate or instruct others to engage in illegal activity, ( e ) stolen goods including digital and virtual goods, ( f ) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, ( g ) items that are considered obscene, ( h ) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, ( i ) certain XXXX oriented materials or services, ( j ) ammunition, XXXX, or certain XXXX parts or accessories, or ( k ) certain weapons or XXXX regulated under applicable law. 
relate to transactions that ( a ) show the personal information of third parties in violation of applicable law, ( b ) support pyramid or ponzi schemes, matrix programs, other " get rich quick '' schemes or certain multi-level marketing programs, ( c ) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, ( d ) are for the sale of certain items before the seller has control or possession of the item, ( e ) are by payment processors to collect payments on behalf of merchants, ( f ) are associated with the sale of traveler 's checks or money orders, ( h ) involve currency exchanges or check cashing businesses, ( i ) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or ( k ) involve offering or receiving payments for the purpose of bribery or corruption. 
involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX  XXXX, XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES XXXX XXXX  XXXX XXXX EXPERIAN XXXX XXXX  XXXX XXXX EXPERIAN The  consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

Within two weeks I have heard from KeyBank with so many issues for my accounts. First, I received a letter that an account was opened in my name and called to inquire. She stated that it was closed the same day the letter says it was opened. Then I get a call from the fraud department that an online banking account was made and bills were paid, she inactivated the account but a week later I get mail welcoming me to online banking and reminding me of the offers that were presented when I set up the account. Today I received a letter stating that I have an account with a XXXX balance and so they are closing it and reporting it to the credit bureau. Not an account number I even have or know of!
Product: Checking or savings account

When XXXX XXXX XXXX  closed, I quickly transferred all of my money to my only other open bank account at Marcus by Goldman Sachs. My Marcus account was my emergency fund, so I needed to set up a new checking/savings account elsewhere for direct deposit of paychecks, paying bills, and paying rent. I set up a free checking and savings account with XXXX. When I went to online transfer or wire transfer my funds from Marcus to XXXX, I was hit with error messages. 

An online chat with a Marcus representative told me that they do not support Marcus, and that they could mail me a check or I would need to open another checking/savings account. They could not provide me with a list of banks that they do or do not support. They instead told me to choose Bank XXXX XXXX, XXXX, or XXXX XXXX and compared XXXX to a XXXX account. They said that they do not support online banks. Then they said that they support XXXX XXXX, which is an online bank. 

I am so frustrated and confused at this situation. Why can't a financial institution wire money to another financial institution? I don't want to miss paying my bills or rent, but I don't know what to do. My next step is to transfer my money out of Marcus and close that account permanently.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Borrowed through XXXX XXXX XXXX XXXX in New York and they promised us a Loan that we did not receive instead we were referred to A Partner Called Loan me who scammed us over the phone for a non disclosed loan of 104 % interest rate that we had no idea about. We were tricked and lied to and scammed into signing on line. It was definitely an internet scam.
Product: Money transfers

To whom this may concern, For my records, I would like to obtain all documents related to XXXX. This should include signature cards, paperwork, etc. I would like this information because I believe there may be an Electronic Funds Transfer error in relation to XXXX and as a consumer I have the right to dispute and review transfers such as these. 

All right reserved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent a lot of previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

This CFPB complaint has been filed to request pursuant to XXXX XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, a personal loan opened aXXXX XXXX  on XX/XX/year> under account number XXXX. 

These accounts have resulted in fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts as collections, as reported. The aforementioned accounts as collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts as collections, are the result of identity theft and fraud. 

I have attached a copy of XXXX Identity Theft Criminal Complaint # XXXX as proof from the U.SXXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts as collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy.

15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

We bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV LLC Funding ( I don't know what birthday they have on file, just know that it isn't mine because I provided that info when I called to try and resolve it & they said it was not what they had ) This is not my account. My wife and I already have a XXXX XXXX credit card with an exceptional payment history, have been in good standing with them for over 6 years and they have had updated addresses for us for billing purposes throughout our many moves during my current military career. 
Because of that, they literally have all proof they may need within their own system. However, the first few times I disputed this, I provided them a copy of my leases to show that I lived in a new residence and had already ended my lease at the billing address they had for this account.

Since then, they have continued to sell off this account to various collectors who have been hounding me ever since. With each one of them, I provide the same information and to smooth things along quickly, I simply asked for them to confirm proof of the debt to prove whomever signed for it, if there was any type of identification or paycheck or ANYTHING ever submitted as proof of identity and of course, no one does. They just push it off to another collection agency. It has affected my credit ever since and this is not fair, nor legal. I've disputed this several times with the same information through all of the main 3 credit reporting bureaus and all they do is respond and change the latest date of the " last missed payment '' to the recent month. Never an actual response or any changes other than that
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Please find the list of affected accounts and inquiries below : Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$360.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$7900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$400.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$15000.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$400.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX