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

n accordance with the Fair Credit Reporting act XXXX Account 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 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
Product: Money transfer, virtual currency, or money service

I had received a refund from my vet in the amount of {$730.00}. Since I was not carrying any cards, I got the refund on XXXX XXXX to my Cash debit card. I have done so before and have never had an issue. 

Since the transaction was made on XX/XX/2022 and I still did not receive a refund, i complained to the merchant that showed their bank has sent the money back to my cash card. 

I contacted cash customer service. The first level customer service was not aware of how card refunds worked and told me I would get a direct deposit and they dont see it. I tried to explain to them that the refund was made on the XXXX XXXX to my card but they refused to help or escalate. They told me they will not help trace the funds or escalate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a double citizen ( XXXX and Usa ). 
I live in XXXX since my birth. 
I know i have some account in NY, NJ and maybe in Florida becouse my father open for/whit them. 
My father is disappear and I need to know where exactly I have these accounts. 
Im not able to creat any account in SSA and Experian ( and similar credit score provider ) becouse the online service doesnt permit me to create nothing becouse I dont have any american address. I live in XXXX. I need to get controll and check my credit account. May you please help me? How can I do to get controll on my financial life? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXXBalance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} ; 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
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 Account Number XXXX has violated my rights. Or 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.
Product: Debt collection

My name is XXXX XXXX follow up back up on case CFPB XXXX for yall respond for this IC System Reference No. : XXXX XXXX XXXX XXXX XXXX XXXX. : XXXX Dear XXXX XXXX, This complaint is substantially the same as CFPB XXXX, etc., as well as complaints filed with tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your information has been forwarded to XXXX XXXX XXXX. IC System XXXX XXXX discontinued all collection activity on this account. The account has been closed and returned to XXXX XXXX XXXX. This account was not reported to any credit reporting agencies by IC System XXXX XXXX XXXX provided a letter to you dated on or about XX/XX/year>. This communication is from a debt collector. Sincerely, XXXX XXXX Consumer Affairs IC System XXXX XXXX please send me the letter stating that to XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( 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. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate 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. 


( 4 ) There is a need to ensure 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. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.

1. XXXX XXXX 2. Account Number : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had several fraudulent accounts and inquiries on my report. Please remove these accounts and inquiries. they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I recently completed a debt consolidation program. The merchants provided updates to Equifax in timely manner. Accounts are not getting updated. Disputes have been filed multiple times for same account to be corrected and still no updates. I have the same credit information on XXXX and XXXX and my score with XXXX is averaging XXXX points lower. I can no longer access my account online. Equifax has blocked me. I have attached a screenshot of message received when I go online.I call to report and get a scripted message from an agent. Supervisor no help with. Always direct me back to dispute center.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I submitted the XXXX form to the company XXXX. They accepted the form on the same day but now they are requiring me to provide a driver license along with a selfie which I refuse to do. I do not want to share my personal identity to them. I have been selling with them for over 2 months with no issues. All of a sudden they restrict my account for no reason. At this point I would like the remaining balance of {$290.00} to be released so I can close the account. They have no right to hold my funds.
Product: Debt collection

Have sent Phoenix Financial XXXX ( XXXX ) written requests ( XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) in addition to the XXXX phone calls requesting VALIDATION of the accounts that they've placed on my credit report. During the call They have not responded to and have NOT provided me with ANY of the requested required documentation that I'd listed in the letters. Yet, on XX/XX/XXXX they'd contacted the credit reporting agencies, certifying the accuracy to the disputed accounts listed. 

During a call on XX/XX/XXXX, I was told that it was for services in XX/XX/XXXX and that if I could not pay, just wait because it is due to be deleted in XXXX of XXXX. I then wrote the second letter and included a copy of a Police report for possible identity theft. 

There were XXXX ( XXXX ) accounts. XXXX for {$100.00} and the other is for {$800.00}. for XXXX XXXX XXXX
Product: Debt collection

Receivable Management Systems attempting to charge for medical debt that was handled by insurance. It appears in my claims XX/XX/XXXX and was processed ( accepted ) the XXXX of that month. That was my only visit in recent years. They have called several times and been told to communicate by mail or hung up on ( XXXX XXXX had his identity stolen so there are many debt calls that are not legitimate. ) My parents received communications from them XX/XX/XXXX and XX/XX/XXXX. They should have my address. Not only was it given to them but I moved recently from renting to owning so it is on public record. Contacted the company the debt is owed to and they have no record of it. I have no idea what to do if I cant get in contact with them in writing, especially with being hard of hearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

While looking into my Credit Reports I have noticed the following account had a discrepancy in the last activity section of listing. 
Date Of Account opened was XX/XX/XXXX Account reported XX/XX/XXXX? 
How is the supposed verified information listed on my credit profiles different from one another? Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date PLEASE DELETE These items immediately XXXX XXXX XXXX XXXX Also the XXXX XXXX This account is closed on my XXXX It should be removed from my Experian XXXX and XXXX The debt is closed on all credit reporting agencys, yet its not removed. 

The date the account was opened compared to the amount of late payments makes no sense. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Express recovery services under section 623 A as the data furnisher continues to report using the E-OSCAR system information that is NOT 100 % complete or accurate. I am on state XXXX and I was notified by the UTAH XXXX office it is illegal for XXXX  to report any XXXX related billing issues to the credit bureaus. Several violations have been committed under the FCRA, HIPAA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Experian removing XXXX previous, irrelevant, and outdated mailing addresses in the personal information section of my consumer report. I can not receive any mail or legal documents at these previous mailing address. 

Experian also have XXXX different versions of my name listed. I've submitted a request to remove all versions of my name and correct my first, middle, and last name on XX/XX/2023, and XX/XX/2023. They failed to do so. I also called Experian on XX/XX/2023 and spoke with a representative with no success. 

I've submitted a request to move all outdated mailing addresses on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Again, I called Experian on XX/XX/2023 regarding this as well with no success. 

XXXX and XXXX on the other hand, removed all of the outdated mailing addresses and incorrect/other versions of name within XXXX hours with no issues!
Product: Payday loan, title loan, personal loan, or advance loan

Complain to XXXX and Affirm I am XXXX XXXX and I want to complain against the XXXX company for irresponsible and disrespectful attitude to their customers. I ordered a few items in XXXX and my order number is XXXX. When I received the items on XXXX XXXX, I warned them the installation would be after Construction of my house. Today the representatives of XXXX came to my house to install the gas range and it appeared that they delivered wrong item. The gas range was electric working with XXXX volt which can not work in my house. I called the customer service and told them that it was a wrong delivery and asked to replace it to gas range working with gas. The customer service connected me with support team telling that they would offer me some option to resolve the issue. The support team told ne that because of my a year warranty it was possible to replace ir return the item and gave me a phone number. I called the given number but it did not work. i called the customer service and told that I was given a number that did not work then they connected me with warranty department where I was given another number for resolution of the problem. This time the phone number did not exist either. I calked the customer service the third time and told them how ling thy were going to kid me and asked to connect with their supervisor. The woman as a robot repeated the same thing and did not connect with supervisor telling that the supervisor was not available as I understood he/she is never available. I asked them just to replace the gas range but no way to replace it. I spoke to XXXX people and each if them told me different things.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent out a letter to Trans Union, XXXX  and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Product: Debt collection

In XXXX ( along with many other previous months ) XXXX XXXX through XXXX XXXX called multiple times ( XX/XX/2018 XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX  ) from unknown numbers. They called multiple times before XXXX as well but I deleted my phone logs from before then. So I have attached what I do have. I have let them know twice of them calling from this unknown number, which is a violation of the Fair Debt Collections Act, and received unprofessional responses along with numerous more unknown phone calls. They just called again three times today ( Saturday, XX/XX/2018 ) from this unknown number. They called at XXXX XXXX   XXXX XXXX and XXXX XXXX  I only answered the last one to see if it was still XXXX XXXX, which it was. I have informed them of calling from this unknown number and asked them to stop calling me from unknown numbers, especially when they call 3+ times a day, but they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE XXXX AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX WEBSITE.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX  Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

My checking and my savings account at Truist where frozen over 30 days ago for too many inbound Zelle payments they say it was flagged for fraud and that it could take 30 days to investigate but usually is settled within the first 2 weeks I was told either my account would be closed and they would allow me to come pick up my funds or they would unfreeze the account. It wasnt an issue to me at first cause I know I didnt commit any fraud so I assumed I would have my money back by now but it has now gone past the 30 day mark and they have not told me anything but it is under review. At this point I just want to close my account and get my money back this has been a huge financial burden on me and has caused me to almost max out all 3 of my credit cards. The account has been frozen since XX/XX/2023
Product: Money transfer, virtual currency, or money service

Put in a BillPay transaction with TDBank. Their system showed an account balance for the transfer, well over the {$60.00} transaction. However, the third party service that withdrawals and pays the bills failed to claim the money for the service because a closed account was billed rather than one of two accounts with more than sufficient funds. This account should have been closed for over a year. So I am responsible for the chargeback fee as well as being responsible for the full loan because of the systems glitch. This exceeds bill now exceeds {$900.00}, rather than a {$55.00} per month bill. Upon contacting them they admitted fault for the system glitch and told me I needed a supeana to get proof of phone call and refused to attempt to resolve the situation.