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

On XXXX I requested Equifax to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XX/XX/XXXX XXXX disputed items my credit report from Equifax. I also sent a current bill, driver 's license, and a social security card. My certified letter was received on XX/XX/XXXX and signed. On XX/XX/XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

On XXXX I requested Equifax to update my personal information on my credit report. I requested only my current address, XXXX XXXX XXXX, XXXX, GA. XXXX remain on my credit file and to remove all address on file. I also requested that my only employer is XXXX. I sent a current bill, driver 's license, and a social security card. On XXXX my certified letter was received on XXXX and signed by XXXX XXXX. On XXXX I received a response from Equifax stating that I didn't not provide appropriate information such as my driver 's license, bills, and social security. I would like to investigate this matter because I provided the information needed to grant my request. 

I also requested XXXX to Update my personal information providing the same information as I did with Equifax. XXXX also stated that I did not provide the correct information. Attached is all the information that I provided.
Product: Money transfer, virtual currency, or money service

I have been with PayPal for over 10 years. In XXXX it looks like my account was hacked with PayPal and an international bank account was added to my account. They awhile and I did not notice. I transferred XXXX and also transferred XXXX they changed my bank to theirs so over XXXX is in the international XXXX XXXX  XXXX XXXX When I called no one spoke XXXX and I was sent an email. The man XXXX said they do not keep any personal information on their accounts. I looked up this bank and the FDIC has flagged them as scams and say to be warmed for international transfers. PayPal refuses to reimburse me or open the investigation because they are saying my IP addresses are being used to log in so it appears to be me but isn't. I am filing all the complaints I can because I only have 10 days to make this appeal. this bank is completely fake. No one will speak to me or help me.
Product: Credit reporting or other personal consumer reports

Grid is currently erroneously reporting late payments on my account to the credit bureaus. The late payments were due to an ongoing issue on the part of the company. All activity on the account was frozen and I was not at fault for the delay in payment. The companys app and website had a continuous block on adding or moving money for several months and there is no method of reaching customer support outside of an in-app chatbot. The company also does not provide monthly statements, despite offering credit products and holding consumer funds in an account. 

In addition to these errors, the company has owed me money for almost a year while still collecting a monthly fee from my checking account for services I was not receiving. 

The companys irresponsible use of my consumer financial data in credit reporting is currently preventing me from obtaining a mortgage. After multiple conversations with customer service, I was able to clear the balance and close the credit account but these errors are still being reported to the credit bureaus.
Product: Debt collection

I paid lvnv funding on XX/XX/2020 XXXX as payment in full towards a XXXX  XXXX XXXX credit card balance of XXXX. The agreement was the settlement would mark the item paid in full. To date this has not been removed from my credit report. They have advised that the deletion was sent to the credit bureaus- however I have confirmed with all three that they have not received it. I have since tried to call and resolve this with them they will not help me I have requested supervisors and they will not allow me to speak with anyone who can help me.
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 XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO TRANSUNION AND XXXX AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Credit reporting or other personal consumer reports

It is disheartening to know that my rights as a consumer is being violated. I value my XXXX XXXX a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX
Product: Debt collection

I ask for a full validation of debt with bearing signature with XXXX XXXX XXXX, they send me back a letter that they are not obligated to provide the documentation to me that I requested. On they records indicate the application was under XXXX XXXX. XXXX XXXX XXXX verifies the identity of every new customer in accordance with the USA Patriot act. Also they send me a let from a collection agency ( convergent ) attempting to collect on a debt without any validation. Right now they are violating my rights
Product: Debt collection

I contacted the collection agency L J Ross as well as XXXX XXXX XXXX. both would not remove this fraudulent charge.
Product: Vehicle loan or lease

I purchased a brand new XXXX truck from XXXX and on XX/XX/XXXX for some reason the car wouldnt start I had the car towed to the shop the following day and I still till this day have not received my vehicle back its been months Im still paying the monthly payments and insurance for a car that I do not have when I try to ask and call to see whats going on the always say they dont know and are ordering parts that has always been the answer it is extremely hard to get a hold of them at their shop I literally have to go in in person to even get talked to I have also contacted corporate and has assigned an advisor that has been completely useless she told me I would have a response within 48 hours and its been weeks at this point if the company that sold me the cars still cant figure out whats wrong with their car then I no longer want it I want to get my money back and take my business elsewhere I need a reliable car to use in my everyday life thats why I decided to get this new vehicle I cant continue to go on without a car.. I want to terminate the loan get my money back and go to another dealership of a different make not at all related to XXXX can you please help or give me advice on what I can do or who I can talk to be thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a charge on my Truist XXXX and immediately filed a claim for it when it posted on XX/XX/XXXX claim XXXX. The charge was {$1200.00} for a plastering company in RI. I live in FL have no idea who the company and have never done business with them. When the claim was filed Truist stated they would investigate it, send me papers to sign for the dispute, block the card and reissue it. They also stated, it would take about 14 days for the claim to resolve. While the transaction was under investigation the amount would be deducted from my current balance, would not affect my minimum payment amount and I would not be charged interest on the card. I followed up on the claim on XXXX was then told I would need to wait longer for the dispute to resolve, and brought up the fact the amount was still in my balance, accruing interest, and affecting my minimum payment amount. On XX/XX/XXXX I noticed two additional fraudulent charges were made on the same account with the card that was supposed to be blocked and reissued. I confirmed with the representative that the card in question was never blocked and reissued and the charges were allowed to post so I filed another claim for those XXXX. I again questioned the resolution of the original claim XXXX made back on XX/XX/XXXX. I was told the claim could take up to 2 statement cycles. I have two statements one for XXXX one for XXXX both have the {$1200.00} amount showing, accruing interest, and affecting payment amount. I have lost all confidence that this claim will be resolved correctly, and me made whole as a consumer. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

A debt buyer is a company or individual who purchases account ( generally non-performing debts ) with the intent of collecting debts owed. A third-party collection agency is a company or individual who specialized in collecting outstanding debts for their businesses or individuals. XXXX XXXX reporting guidelines state : Accounts reported in error must be deleted. 

The Credit agency stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, they violated my rights under : 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: Debt collection

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out certified letter over XXXX days ago and I have not heard one peak out of this Transunion. I have no idea if they are even investigating my request. There are a few things on my credit report that is completely wrong and inconsistent. I ask that they complete a investigation and to these items and crickets. I can provide letters showing what I sent. I need help please my employment relies on it
Product: Credit reporting

According to the report, I have XXXX accounts that were closed as derogatory which I have no knowledge of. I did n't open or close any of these accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with US Bank. I've never applied with US Bank. I called US Bank XXXX XXXX XXXX XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

XXXX XXXX XXXX XXXX XXXX  How is Trans Union reporting the account type as Open, while XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX XXXX not supply that information to you? 
Trans Union is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter concerning Section 1681s-3 of the Fair Credit Reporting Act ( FCRA ) and to request your compliance with the obligations outlined within this section.

The 15 U.S. Code $ 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 receipt.

It 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 relates. I NEVER 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 THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! In light of the above, I kindly request that you review the reporting of late payments associated with my credit file and take the necessary steps to rectify any inaccuracies or incompleteness in accordance with 15 U.S. Code 1681a ( 2 ) ( A ) of the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( XXXX ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.