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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

Charge off Account name : XXXX XXXX - Account number - XXXX XXXX / XXXX XXXXTransunion Account name XXXX XXXX - Account number - XXXX XXXX / XXXX XXXXTransunion Inaccurate inquiries that need to be deleted Creditor NameType of BusinessDate of inquiryCredit Bureau XXXXAuto Dealers, XXXXTransUnion XXXX  Auto Financing XXXXTransUnion XXXXAuto FinancingXXXXTransUnion Late payments Account Name : XXXX XXXX XXXX Account Number - XXXX Date : XX/XX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX - Account number - XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Debt collection

Discover is reporting a debt that does not belong to me. I have attempted to dispute with XXXX, XXXX, and XXXX  and Discover has refused to send me the validation necessary to leave it on the credit reports. 

DISCOVERBANK XXXX
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 : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year> 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 CREDIT BUREAU 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 card or prepaid card

XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

I sold an item through PayPal, shipped it using XXXX, and provided a valid tracking number ( XXXX ) proving that the item was delivered on [ XX/XX/year> ]. The buyer falsely claimed they didnt receive the item and it was shipped to the wrong address while the item was still in transit and just delayed because of California XXXX, and PayPal XXXX my payment on hold. Despite proving the item was delivered, my funds remain on hold, violating XXXX seller protection policy. 
I have contacted PayPal multiple times, but they refuse to release my money. This is an unfair withholding of funds, and I request the immediate release of my payment.
Product: Student loan

First, the company has misclassified my student loans so that I missed out on the interest freeze and the repayment freeze. I am currently trying to contact them as they have miscalculated my income-based repayment ( trying to charge me 50 % of my monthly income on an IBR plan which is only supposed to be between 10 and 15 % ). There is no way to contact them. You can not fix this on their website, and I have called them 5 times, during their business hours, and the automated system continues to hang up claiming that the call center is closed. I started calling at XXXX XXXX  XXXX XXXX. THey are supposed to be open until XXXX XXXX  XXXX XXXX.
Product: Prepaid card

I received a gift card for my birthday in XXXX. Used it at XXXX, returned what I bought, bought something else. Then I didn't use it until the day after XXXX and there was no money left on it. The charges were made on XX/XX/XXXX, the same day I noticed them and I called immediately. 

I contacted one of the places that was charged, never heard back. The other charge was for some sort of crypto thing and they had no way to find out where the money went. 

I put in a dispute and they declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

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

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Debt collection

Credito Real USA is reporting a debt on my consumer report. I disputed the debt, in which they responded to me advising that the debt is owed. I responded to Credito Real USA conditionally accepting their claim and advising them that I wanted to settle the debt as soon as possible and asked for additional information, however they refused to comply with providing me with my request and they refused to remove the debt from my consumer report damaging me and my credit and my family. I have been in honor and they're acting in dishonor making threats that they will not respond to me any further and advising me that my letters to them are " frivolous '' and " repetitive ''. They claim they have answered me via certified mail and failed to provide any tracking number or anything that supports their claim and the debt continues to damage me and my ability to purchase a home for my family and me. I have done all in my power to attempt to ethically pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of XXXX XXXX XXXX placing this collection account on my credit report. My credit scores have dropped by over 90 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.
Product: Checking or savings account

I opened a new checking account directly through CitiBank via a promotional offering for {$300.00} ( when criteria are met ). After creating an account and completing the required two enhanced direct deposits ( totaling over {$1500.00} as required ), I confirmed on 3 separate occasions with CitiBank representatives ( early XXXX, XX/XX/XXXX, and XX/XX/XXXX ) that I have met the promotional requirements and the funds would be directly deposited into my account on XX/XX/XXXX. Additionally, I spoke with a CitiBank representative on the phone who also confirmed I've met the promotional requirements and the date of deposit. 

After not receiving the funds on XX/XX/XXXX, I filed a dispute directly with CitiBank. After not receiving information on a resolution, I called and spoke with another CitiBank representative on XX/XX/XXXX who notified me that while I've met the promotional requirements, the dispute was rejected. The filed a new dispute and I was transferred to a manager.

This CitiBank manager shared that CitiBank 's promotional team had no record of any promotional offerings during the time I created my banking account. They requested I FAX any promotional invite to the promotional team for review, stating this was in the terms and services. After reviewing the terms again, this is not included and is therefore an necessary and prohibitive step to take. 

CitiBank is currently late on on fulfilling their contractual obligation after confirming on 5 separate occasions I have met all requirements for their promotional offering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the XXXX XXXX, XXXX, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

My access to my account with SoFi was restricted on XX/XX/XXXX and I have called several times with no responses being given. They can not tell me why my account has been placed on the restricted access, seemingly can not contact or reach the team that is reviewing this, can not put me in contact with any agent that is reviewing my account, and can not give me any estimated length of time as to why this has been restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to view and or dispute anything online through Experian. They wont let me do anything unless if i mail them and pay them or wait on hold for hours on end
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a scam in XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours of stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C & 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 55365 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

This company Portfolio Recovery Associates is still reporting these 4 accounts to XXXX, XXXX  and XXXX, I have asked them many times that I want them to provide me with the original contracts for these accounts as proof that these debts belong to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contracts to the court. If they want we can do it that way. Delete the 4 accounts from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the accounts must be deleted from the credit report.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am filing a formal complaint regarding the inaccurate reporting of an account on my credit report, which I am requesting be removed entirely. The account in question is a XXXX account, where I was listed as an authorized user. Below are the account details : Account Name : XXXX Account Number : [ If available, you can include the last XXXX digits of the account number here ] Reported Balance : {$5200.00} Last Reported Date : XX/XX/XXXX Credit Limit : {$2100.00} Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX The issue at hand is that this account was reported as closed with a balance of {$5200.00} on XX/XX/XXXX, despite my role as an authorized user and not the primary account holder. Furthermore, the dispute resolved status showing " subscriber disagrees '' is entirely inaccurate. As an authorized user, I do not hold responsibility for the balance, and the statement is misleading. 

I request the immediate removal of this account from my credit report. The account has been inaccurately reported, and its inclusion is harmful to my credit score and financial well-being. 

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. The current reporting of this account violates the FCRA in the following ways : Inaccurate Reporting : The account was reported as a closed account with an outstanding balance. As an authorized user, I have no legal responsibility for the balance, and this should be reflected in the reporting. 

Dispute Status : The " subscriber disagrees '' status is inaccurate and misleading. This indicates a dispute that I did not initiate or resolve, which is a violation of the FCRA 's requirement for accurate information. 

Failure to Correct Information : The FCRA mandates that credit reporting agencies and furnishers correct any inaccuracies in a timely manner. The failure to accurately report the account as authorized user status rather than primary account holder is a violation of this obligation. 

Due to these violations, I am requesting that this entire account be removed from my credit report. The incorrect reporting of this account has caused significant harm to my credit and financial standing. 

Potential Legal Action : Should this matter not be resolved in a timely manner, I will consider pursuing legal action for damages under the Fair Credit Reporting Act ( FCRA ), as I have suffered harm due to inaccurate reporting. Under the FCRA, I am entitled to seek compensatory damages, including actual damages, statutory damages, and punitive damages for the failure to accurately report my credit information. 

I will also explore the option of engaging an attorney who specializes in consumer protection law and credit reporting disputes. A law firm such as The Law Offices of XXXX XXXX XXXX, which specializes in credit report disputes, FCRA violations, and consumer protection, can assist with this matter and pursue appropriate legal remedies if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXXd now
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for the company to validate the debt and proper validation was not given. Instead in XX/XX/2017 some kind of statement was sent and not an actual contract.
Product: Checking or savings account

chime.com illegally closed my account with no explanation and is refusing to refund my money. I have called numerous times and provided all the requested documents which seemed excessive for having this be my account that is linked to my own external account. multiple issues have been raised by other consumer for this exact same practice and can be viewed on XXXX  # chimefraud. This business should be closed and i suspect they have many other customer 's money sitting in their account and have not escheat any of it to the state. a fraud investigation needs to be started.