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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 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. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term ofimprisonment of 2 years. 
An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose 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 instructions of the consumer to whom it relates. 
YOU XXXX, EQUIFAX, XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 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. 
List Account/s here : Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of anyinformation 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 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 have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX  Attorney Generals Office in your state and Mine Thank you, XXXX XXXX FTC reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 55 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Acc Name : XXXX XXXX Acc # : XXXX Acc : XXXX XXXX Account : XXXX Acc : XXXX XXXX XXXX XXXX Date : XXXX INQUIRIES : XXXX XXXX XXXX  DATE XXXX XXXX  XXXX XXXX DATE:XXXX XXXXXXXX XXXX XXXX DATE:XXXXXXXX XXXX XXXX DATE : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 or other personal consumer reports

Inquires I did not know, I need proof of that I did that inquiry.
Product: Money transfer, virtual currency, or money service

PayPal is not letting me login to my account to access my funds. When I try to contact them there is no one available, they don't offer a reliable or helpful way to get assistance for the problems they cause, thus my problem has not been fixed. The problem originates when I try to login and they demand this : " We just need some additional info to confirm it's you. '' I did not turn on, nor do I want 2-step authentication, but they force this feature on me and the result is I'm being locked out of my account. They're illegally blocking me from accessing the funds in my account. To successfully login they want me to use a code that they send, but they are unable to actually send me one. To send a code they offer two options, 1 ) they can call and give me a code, or 2 ) they will text a code. But the reality is they do not call when I request a call. My phone remains silent. I've tried several times, always to no avail. Then they tell me I must get the code via text, there is no other choice. I'd rather not share any more personal info with PayPal because, for obvious reasons, I can't trust them. But they give me no choice and I'm forced to add a phone number to get a text. When I add my number they tell me " This type of phone number isn't supported. Check your number and try again. '' So now I'm totally locked out of my account and they are illegally preventing me from accessing my funds. I don't know why they can't accept the phone number I want to give them, it's the exact same U.S. phone number I use for other accounts ( e.g. bank accounts ) to receive security codes via text. But PayPal refuses to use this number. The only other number I have available is a mobile number that I can't receive texts on because I've permanently blocked all texts on that number. So they won't call me on my preferred number, and they won't text me at that number either. In effect they are discriminating against me for not having a phone number that they like. PayPal is abusing their position of power to deny me access to my account and my funds. If I could I would cease all business with PayPal, but unfortunately some of the work I do can only be paid via PayPal, so I'm trapped dealing with them. I'm sorry they are such a horrible company who leave me no choice but to file official complaints just to get them to perform basic functions like allowing access to my account. They should be heavily fined for wasting valuable government agency time, and they should be made to compensate me for the time I've had to take away from other productive activities to write this complaint. PayPal is a drain and a scourge on America and all the people who have to deal with them. If you are unable to fine them for their bad behavior, at the very least I still need access to my account, I want them to quit playing games with the login procedure and let me in to my account without hassle or delay, now and in the future.
Product: Credit card or prepaid card

I have been a victim of credit card fraud which your bank allowed from XXXX of XXXX to XX/XX/XXXX 2 years to continuously happen and now XXXX XXXX XXXX has charged XXXX as of the last report from the credit bureau which I had to place an identity theft alert on my account. In all my years I have never been taken like this. My credit score dropped over 100 points from XXXX to XXXX I have always paid for EVERYTHING I put on a card or any bank Ive paid for it. XXXX XXXX XXXX used the card she stole from my house with my name on it to set up the online account and made herself the authorize user, using her own personal email, her cell number, and her own computer. I found out what was going on when Ms. XXXX maxed the card and in XX/XX/XXXX Is when I was told by your bank what was happening. I was told by your fraud department that I set the online account up, but I did not when I was asked to verify the online credentials I could not because I never set it up. Your fraud department had to copy ALL THE STATEMENTS BECAUSE I WAS UNAWARE AND I HAD BEEN TAKEN ADVANTAGE OF BY Ms. XXXX the account she set up was paperless, so I never received anything. Your fraud department said I gave her permission on the application to have a card, but when I ask them to send me a copy of my original application they said it was not available that the Cruise line had it and I sent the cruise a certified letter asking for this information they wrote me back and said your bank had the original and when they sent it to the Barclaycard Services they destroyed the information ( I have a copy of this statement ). I asked the fraud department to pull the phone conversation that in the beginning your bank said that it was phoned in to authorized Ms. XXXX XXXX XXXX to be a user on the account and thats when I was told that it was added on line, BUT YOUR BANK WILL NOT GIVE ME THE ONLINE INFORMATION BECAUSE I DIDNT SET IT UP. ON THE CARD ENDING IN ENDING IN XXXX WAS NEVER USED and THE CARD IN MS. XXXX NAME ENDING IN # XXXX she had both the cards she activated BOTH cards and began to use it. I have filed criminal report against MS XXXX ( see Police report and I will take this all the way to a legal court because I didnt make any of these charges as you can clearly see. I have an address for MS XXXX at work which my attorney located she has a job, she made the bills, she frauded your bank then she needs to be responsible not me. I never charged one thing on that account because if I would have, I would have paid for. Please reopen my fraud claim and take these charges against my name and my credit off and place Ms. XXXX pay you all back. She works for a state agency the Work Force Commission XXXX XXXX XXXX XXXX XXXX Tx XXXX. Im 60 years of age I cant afford to pay something back I did not do or authorize any one to do so. MsXXXX XXXX took advantage of me, stole from me and just because I allowed her in my home did not give her the right to take a credit card from my house set up online account assess and charge XXXX please deem this account fraud and close it out taking it off the credit report and place legal action on MS XXXX.
Product: Credit reporting or other personal consumer reports

Summary of the issue : On XX/XX/XXXX, I filed a dispute regarding a XXXX XXXX  account ( account number : XXXX ), which was subsequently removed from my credit report after resolution of a complaint filed with the CFPB under case number XXXX. However, this account has reappeared on my credit reports with all three credit bureaus ( XXXX, Equifax, and XXXX ) without following the proper procedures mandated by the Fair Credit Reporting Act ( FCRA ). This includes the lack of prior notification and the continued presence of multiple inaccuracies in the reported information.

Details of the issue : 1. Improper reinsertion : I was not notified within the 5 business days required by Section 611 ( a ) ( 5 ) ( B ) of the FCRA regarding the reinsertion of this account.

No evidence or additional documentation was provided to justify the reinsertion of this account.

2. Inaccuracies in the reported information : This account contains significant discrepancies across the credit bureaus : High Balance : XXXX and Equifax report a high balance of {$300.00}. 
XXXX reports {$0.00}. 
Date of Last Report : XXXX and XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
XXXX XXXX : The address listed for the creditor ( XXXX XXXX  ) is inconsistent across the XXXX credit bureaus, which violates the FCRAs requirement for accuracy and consistency. 
XXXX. Previous case history : In case XXXX, the CFPB resolved that this account should be removed from my credit report due to inconsistencies. However, this account has now been reinserted without proper justification or documentation, constituting a repeated violation of my rights under the FCRA. 

Attachments : Recent credit reports from all three credit bureaus highlighting the discrepancies. 
Documentation related to case XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a natural person who has been victimized not only by the 3 major credit reporting agencies Trans Union, XXXX, and XXXX through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX XXXX data breach. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only one response from Trans Union which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply XXXX and XXXX dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all 3 CRA 's on XX/XX/XXXX, and received a reply from only Trans Union on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and I realized I have damage on my credit report According to the 15 USC 1681 law there should not be any damages on my report. Its a defamation to my character. Here are the inquiries on my Equifax credit report. 
XXXX Inquiry XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX, XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX- XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX Here are the inquiries on my XXXX  credit report . 
XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX Inquiry- Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX  XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX XXXX- Inquiry XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX