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

Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to Equifax and XXXX intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting or other personal consumer reports

I've contacted all 3 Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX  was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
1. This account was deleted from my profile. I was not notified within 5 business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( 6 ) A.

2. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a.

3. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( E ) B This account has multiple violations and if not resolved I will be seeking litigation
Product: Credit card or prepaid card

XXXX XXXX, XXXX I paid my XXXX over the amount that was due. I ended up calling XXXX to refund the money back to my account in which they did. I look at my account today and see that American Express Serve is holding the amount that was taking out of my account. They keep sayings its there policy but numerous times I have received refunds in a timely matter. They state its due to the amount but its my money and I should not have to wait XXXX days to receive my own money back especially when I have bills to pay. This company continued to mislead customers and its not fair one bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged the credit bureaus to provide me with written documentation on the process on which they verified a bankruptcy that is listed on my credit report. I never got a letter back from these request and I submitted these requests back on XX/XX/2020. Then the credit bureaus only send me an email stating the information was verified but nothing was provided to me as I requested. I am trying to find out if they are metro 2 compliant and if they are not the information needs to be removed from my credit report immediately.
Product: Debt collection

I made arrangement with a XXXX over the phone a few weeks ago to start the process of paying back a debt we owe on a past credit card. I agreed to a {$31.00} payment to start on a monthly good faith payment of {$50.00} once a month. Then he asked for an additional {$300.00} and wanted my bank account number and routing number, I told him no, I do n't give that out over the phone or internet. He understood, and then I told him to call me the following week for me to see if we could pay that {$300.00} due to the holidays. They went ahead and took out that {$300.00} with out my authorization. I called them back right away and talked with a XXXX and he stated that they needed 7 working days for that to be put back into my account. This was on XX/XX/2016, we still have not received that money as of today XX/XX/2016. I even asked to hear the recorded conversation from my first agreement with XXXX just to make sure that I stated no on the {$300.00} and they could not and did not produce that recording for me to hear. I was told by XXXX I was being recorded. I currently have XXXX bank doing a Fraud investigation in this matter but wanted to file this too just in case we have to sue Midland Credit for poor business practice and fraud. This action put my wife and I in a bind for the holidays and our bills.
Product: Credit card or prepaid card

Received a credit card denial letter from Kohls department store that I did not apply for. My 2021 taxes were also filed by someone else and I was unable to file. I want to be sure this request does not effect my credit and my identity has not been stolen.
Product: Credit reporting or other personal consumer reports

l am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681 ), 609 ( 15 U.S.C. 16819 ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries thatI do not recognize or authorize : Disputed Inquiry : 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 ( XXXX XXXX  # XXXX ) has violated my rights. 
1

5 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Hi, I have student loans from XXXX to the early XXXX 's. I made sporadic payments until I secured a XXXX XXXX XXXX in XXXX ( basis for public service ). Signed XXXX an income-driven rehabilitation agreement with the Dept. of Ed. I have letters referencing I am in rehabilitation. Had some tax refund offsets prior to the agreement but no other offsets after the agreement, or any notice of default. I paid every month until the pandemic. Signed up for PSLF and did not qualify as was told in default. I have been fighting this since XXXX. Numerous letters to the Dept of ED, showing all checks sent had cleared. Dept of Ed. records had little to no info until I showed checks. I have been through the default resolution group, and contacted the Commissioner of the Dept. Dept, President, Vice President, Senators, and Congressional reps. XXXX says reviewing it now and the loan is with Ed financial. I did not consolidate as told would start fresh 10-year PSLF ( I am XXXX years old ). I did not apply for Save plan as I qualify for PSLF. When payments restarted I sent to the Dept. of Ed as I have a valid agreement and can not afford the recalculated payment. I am upset. I am XXXX years old and owe XXXX I can never pay off. I paid as agreed and should qualify for PSLF. I have given tort claims notice to Dept of Ed. as I have found no other recourse. Thanks for your time. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX
Product: Credit card or prepaid card

This is concerning my PayPal Credit Account, it appears that PayPal has granted an Unknown Third Party access to my account. 
On Monday morning at XXXX a text message was sent to my Cell Phone - The text message was a one-time code to access my PayPal account. Meaning a login had occurred and a verification code was sent as a one-time use code to access the account data. The problem is that I DID NOT ACCESS THE ACCOUNT ON MONDAY AT XXXX AM. I called PayPal today at XXXX AM to inquire about the incident. I explained to the representative that I had security concerns about my account, I further explained that someone other than me had accessed the account and had gone as far as requesting to have a one-time code sent and that the code was sent to my cell phone via text. 
The representative placed me on hold to investigate then he came back on the line to explain to me that he could see the transaction. I asked him to inform me of the location of the login, the manner in which the login was done, whether the login was linked to my previous device login data etc in an effort to investigate. The agent told me that HE COULD NOT TELL ME, NOT THAT HE DID NOT KNOW BUT THAT HE COULD NOT TELL ME. I have come to the occlusion that PayPal is in collusion with another entity or organization and is granting access to my records without proper notification and disclosure to me, or at the very least, PayPal is AWARE that my account is being accessed and is deliberately withholding the information from me. 

1. On several occasions when I called PapPal, the people that answered the phone did not address my questions as the REGULAR PayPal Staff usually do, instead interrogated me about what my purchases were for and who I was sending payment to when in fact the payments sent were for products ad services. 
2. Recently PayPal refused to issue a refund even after I had provided sufficient evidence that I had not received an item I had ordered- receipts, shipping claims and dispute documents were filed, and the PayPal staff refused to issue the refund until I contacted the CFPB office. 

The latest issue is that I Notified PayPal of fraudulent access to my account and requested details of who had accessed my account and PayPal Refused to explain and Refused to Investigate the matter. 

Per the ACLU Immigrant Citizens oftentimes come under scrutiny under Homeland Security Administration. I am a Law Abiding - Tax Paying Citizen and I need for PayPal to be transparent and disclose to me WHO has been accessing my account since XX/XX/2021 when I traveled to XXXX XXXX. I need assistance in having PayPal fully disclose what entity or organization has been granted access to my account and to inform me what recourse do I have regarding the fact that someone other than me is accessing my PayPal Account. The account access is either Illegal or sanctioned by a Law. Therefore, to disclose information on who accessed my account and why or what I can do regarding unauthorized account access poses a risk of identity theft, and if the access is related to some sort of warrant, then a disclosure is in order and would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

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. I HAVE ATTACHED MY FTC REPORT TO THIS XXXX TO PREVENT FURTHER STALL TACTICS FROM ****
Product: Vehicle loan or lease

An individual used my social security number to get a car loan through Consumer Portfolio Services on XX/XX/XXXX. XXXX XXXX XXXX did not pay the installments on the loan and it was charged off in XXXX of XXXX. This is fraud and I need it removed from my credit report. Consumer Portfolio Services did not verify any information related to my social security number or my actual credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX 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

A computer glitch occured through TransUnion where all inquries were removed, but after awhile they all reappeared, this is TransUnion 's problem which my inquiries to be deleted not mine. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. The rep explained she could do 2, but it affected everyone. These inquiries add a hardship and my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a auto loan account account opened at Credit Acceptance Corporat on XX/XX/year> under the account number ( XXXX ), This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Further this account are now considered in litigation. 

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

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. Signs.com have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. This is my six complaint. Capital One gives me refunds and after the complaint is closed they add the charge back to my card. Its like fraud to me. And they are siding with XXXX instead of the customer. The product that I received was printed on the wrong side and I cant use it. I will submit a complaint every other day until my money is refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting XXXX XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report related to the XXXX XXXX  account ending in XXXX. The account is being reported as charged off ; however, XXXX XXXX  has failed to issue a Form 1099-C or provide documentation verifying the validity of this debt. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting of consumer credit information. 

Disputed Information Creditor Name : XXXX XXXX  Account Number : Ending in XXXX Issue : Charged-off account still reported without verification of validity or issuance of a Form 1099-C.

Violations 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

2. 15 U.S.C. 1681s-2 ( b ) : Failure to properly verify and correct inaccurate information after a dispute. 

Requested Resolution XXXX. Remove the XXXX XXXX account from my credit report. 
XXXX. If the account remains, require XXXX XXXX  to provide : Proof of continued collection efforts or A Form 1099-C, if the debt has been forgiven. 

Supporting Documents I have included the following : 1. A copy of my credit report with the XXXX XXXX  account highlighted. 
2. A copy of my government-issued ID and proof of address for verification.

Please complete your investigation and notify me of your decision in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX XXXX
Product: Bank account or service

Union Bank closed a business savings account without advanced notice or warning, subsequently issue a cashiers check ( without request for signature or confirmed receipt ). They indicated it was mailed on XXXX XXXX, 2016 and has not arrived. They can not confirm whether it was returned or delivered. They are holding our money hostage without any recourse. However, if we request a replacement check they have to wait up to 90 days for the replacement check. Meanwhile they are holding our money hostage. This is for a business and critical backup fund. While we are not a large company it is enough to make a difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth attempt contacting the credit bureaus they have simply failed to uphold the law. All in all, they have ignored my request to provide me with the documents that they have in their files that were used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. The investigation has taken longer than 30 days they have they have Failed to respond satisfactorily within 4 days of receipt of this under Section 605B. I have filed reports with my local police department, FTC, State Attorney General, and the CFPB. This identity theft has destroyed my life and stopped me from purchasing a home I have worked so hard for my son and I.