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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said : BB & T Branch Banking and Trust Company Corporate Investigation XXXX. XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Dear XXXX XXXX : I am writing in regard to your recent behavior at or around our facilities at XXXX XXXX XXXX XXXX XXXX, PA. While Branch Banking and Trust Co. is committed to being open to the public, and accommodating our customers, your conduct falls outside the bounds of acceptable behavior. 

As a result, Branch Banking and Trust Co. is no longer willing to permit you to enter any of our banking locations. Accordingly, I am writing as an XXXX of Branch Banking and Trust Company to advise you that you are prohibited from entering any premises of the Branch Banking and Trust Company. 

If you choose to enter the premises of Branch Banking and Trust Co. you will be deemed in violation of the State of Pennsylvania, Criminal Trespass Statue, 3503, and Branch Banking and Trust Co. will take appropriate action. 

Please govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX XXXX has an office beside BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX is also ... 

XXXX XXXX XXXX XXXX and Chief Excutive Officer XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

XXXX XXXX From XXXX California The man tried to transfer XXXX to his account twice. The chase bank worked to freeze my account and change my information, but the man still continued with trying to gain access to my cash app account. The man tried to transfer XXXX and more .The man unlinked my account and card and add card and added a XXXX XXXX XXXX ending in XXXX. I need this person to receive consequences for stealing and attempting to steal money.
Product: Credit card or prepaid card

I recently applied for credit and i noticed that this credit card reported a late payment in XX/XX/2019. As a 30 day late pay. I do not agree with this at all. I do not recall ever paying late especially over 30 days late. I demand they immediately remove this erroneous late pay from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding debt with XXXX XXXXXXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.
Product: Money transfer, virtual currency, or money service

Paypal permanently closed my account they did not tell me why which is fine but when they closed my account there was a dispute on a payment I received in the amount of {$100.00} and eventually it went in my favor with the funds being reversed back to to the paypal account now when I tried to withdraw my funds PayPal said they are going to hold my funds for XXXX  days for " loss prevention ''. That is unacceptable they can't just steal my money I want it back they closed my account there should be no reason they have to hold on to my money
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found incorrect information. on my credit report it shows an inquiry from XXXX, this inquiry is incorrect information. i believe someone used my personal information to apply for credit.
Product: Prepaid card

I loaded this card on XX/XX/year> with {$450.00} directly from my payroll through their app. I have been unable to use the card in store and online since the load. Ive contacted the company several times and they couldnt find an issue. 
Finally, after about XXXX calls, they informed me that this was a known issue that had been going on since at least XX/XX/XXXX. I am a brand new customer so there was no notice given to anyone ( even up until now ). Customers are just loading their cards with their hard earned pay from work and unable to use them. 
The company could not provided an estimated time for fix. They told me just be patient and wait. This is ALL the money I have to my name because it came straight from my payroll. I have a XXXX XXXX XXXX that I cant feed, I cant buy gas and I cant pay my light bill. 
I asked for someone to transfer the funds to as different card. They keep saying someone will call me by end of day. Were on day XXXX that Ive heard nothing. Ive called into customer service several times since and now they are just giving out the same script. The agent told me well theres other callers in the queue waiting to complain about the same problem so XXXX have to disconnect this call. This is completely absurd!!! My HARD EARNED MONEY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment. 

I made a complaint here on XX/XX/XXXX, after which I received another letter from them, claiming charges made after the account was closed were waved and that I would receive a " refund check '' of money they do not owe me. No payment has arrived, but I am not looking for that. 

Today XX/XX/XXXX I received another letter from them claiming my account was closed, charges waived and payment sent to me ( it has not come ). They also reminded me that they will NEVER remove my records from their database, after I asked they do so by phone and in my complaint. 

Not sure how I make the bureau and the bank understand ; I do not EVER want to be contacted by them again, nor do I have any interest in doing business with them again, ever. Further, I do not want my information in their records so they may suddenly decide again that I owe them money, after my account was supposedly closed. How do I rid myself of this bank?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit. Despite using zelle numerous times and reporting discrepancies to my bank and Zelle had failed to put up protections. The CFPB findings indicate that Zelle has not only neglected to protect consumers has also allowed for the system to be exploited. Leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B necessitates the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines : XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

My problem is the fraudulent names, addresses, and inquires that is on my credit report. 
I want to get everything that is not supposed to be on my report I want it removed immediately. XXXX XXXX XXXX is fraudulent name that is on my report. XXXX XXXX and XXXX XXXX are XXXX addresses that is fraudulent on my report. The hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these things have reported to my credit without my authorization and I would like removed
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS REPORTING INACCURATELY. THEY MISSED 2 MONTHS OF REPORTING. THEY OBVIOUSLY DID NOT HAVE THE RIGHT INFORMATION, SO THEY PUT NOTHING AT ALL. I AM ALSO NOT 120 DAYS LATE IN XX/XX/2021. THIS REQUIRES IMMEDIATE CORRECTION
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$XXXX} Credit Card Opened by the XXXX XXXX or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$XXXX} Other Identity Theft Company or Organization : XXXX  Account Number : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$XXXX} Fraudulent Online Shopping or XXXX Account XXXX or Organization : XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$XXXX} XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Information on Credit Reports Other Identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : Total fraudulent amount : {$XXXX}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX, and Transunion my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with Transunion ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that Transunion does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the Transunion website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B.  Transunion, XXXX, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Product: Mortgage

In response to a previous complaint, on XX/XX/XXXX XXXX XXXX in the Compliance Department stated the following. 

" The conversation ended with you scheduling a payment of {$4500.00} with XXXX XXXX. On XX/XX/XXXX, the XX/XX/XXXX through XX/XX/XXXX installments were deferred. As of the date of this communication, the loan is current, and the next monthly installment will become due on XX/XX/XXXX. '' Since then I have tried to set up recurring monthly payments but receive the error stating " Your account must be current prior to setting up recurring monthly payments '' However, as per XXXX XXXX, my account is current and has since been. I waited a few months, perhaps the website needed to update. In the mean time, I had to make manual scheduled payments to keep my account current. 

I emailed XXXX XXXX on XX/XX/XXXX regarding this issue with no response. I tried calling XXXX XXXX, but could not get a hold of her. 

At the end of XXXX I noticed that I could set up recurring payments again on the website so I did so and proceeded in confidence that my mortgage would be paid monthly as per the terms set forward in the recurring payments. However, today XX/XX/XXXX I see that the recurring payments were not set and now I have been assessed a late fee for a payment that was due on XX/XX/XXXX. 

It is due to Shellpoint 's inability to reply in a timely manner as well as website issues that have caused my account to not be current. Although I have made effort on my end to remedy this, it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first dispute letter on XXXX but received no response from them. I sent a follow up letter but still there was no response or investigation made. 

There was a credit report I received that showed items reporting some information that is not correct and I do not recognize and authorized. The unverified, incomplete, inaccurate items on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt. 

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation.
Product: Money transfer, virtual currency, or money service

An account with Skrill USA , Inc. was opened in my name without my knowledge on XX/XX/XXXX. There was an email on file for the previous homeowner of my current residence. 
XX/XX/XXXX - 2 " upload '' transactions of {$90.00} and {$50.00} were processed to the account XX/XX/XXXX - 2 " send money '' transactions were requested to go to a recipient ( XXXX ) XX/XX/XXXX - 2 " withdraw '' chargeback transactions were processed creating the debt XX/XX/XXXX - Received notification from debt collector " XXXX XXXX XXXX '' in the amount of {$140.00} XX/XX/XXXX - Contacted XXXX XXXX XXXX to inquire about notification and learned the creditor was Skrill USA XX/XX/XXXX - Submitted dispute via XXXX XXXX  XXXX website and requested documentation for basis of debt collection XX/XX/XXXX - Contacted Skrill USA and learned the account email to open account was from the former homeowner of current residence. I was told at that point the Skrill USA would investigate and I should disregard the collection notice. 
XX/XX/XXXX - Received acknowledgement from XXXX XXXX  XXXX regarding my dispute with documentation showing transactions with Skrill USA XX/XX/XXXX - Opened a dispute of debt with the credit reporting agency " XXXX '' XX/XX/XXXX - Received documentation again from XXXX XXXX XXXX requesting payment of debt XX/XX/XXXX - Received email acknowledgement from Skrill USA regarding my dispute, the email which states that I need to do a report that an Identity Theft has been reported to the relevant authorities, i.e. that a Skrill account was created in your name, with your personal details and without your permission. 
Week of XX/XX/XXXX - Previous dispute which was taken off credit report was placed on the report again. 
XX/XX/XXXX - This filing is to satisfy the requirements from Skrill USA received on XX/XX/XXXX There are 2 email addresses listed on the transaction report, neither of which are mine nor are they addresses for which I have corresponded with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loans that are over XXXX XXXX XXXX from like my military star card which I was swore. I paid off. I've been paying you even though I'm not sure if I even owe them. 
There's got to be some way I can Settle it since it's over XXXX XXXX XXXX. 
I also have other debts that are over a XXXX XXXX XXXX. That should be taken off my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.