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

I sent a letter on XX/XX/XXXX to remove these items 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 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, XXXX & I am including it again.,
Product: Checking or savings account

I tried to cancel a transaction through paypal, but it still went through and i never received the item this transaction was placed for. Amount was {$400.00} and was taken out on XXXX XXXX, XXXX by XXXX XXXX through paypal, he is in XXXX. I have emailed him twice and no reply ever. I have tried paypal and they said transaction is too old to help me. I took this long because i kept disputing through my bank and every dispute takes up to 90 days to get a response. I tried to dispute through bank over and over. Final answer from bank of XXXX was that they cant credit back a transaction done through ACH. They stated if it was done through my card, they could have helped me. My complaint is against my bank AND the scammer guy that took my money as well as paypal for not being able to help me. Basically, this guy just stole my money with the help of paypal and bank of XXXX. The company that shows under XXXX XXXX is XXXX, I was originally going to get tail lights and cancelled my transaction. PLEASE HELP ME as this is alot of money i have lost. Paypal also said they would send the seller a message and copy me on it and i never got this. They stated they could send him an email informing seller they would remove him from being able to use paypal in future, but i doubt they sent it as i never got email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that addresses that are not associated with me are reporting on my Experian credit report. XXXX XXXX and XXXX XXXX. As you probably know, XXXX XXXX Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Checking or savings account

My information was XXXX XXXX XXXX  illegally beacuse I was a victim of the XXXX data breach, XXXX data breach, XXXX data breach and XXXX  data breach. My XXXX  card was linked to these companies data. 
My checking account was charged fraudulently through XXXX securities with the amount of {$3000.00}. 
I want to request a refund for the dispute claim number XXXX. 
XXXX investigation of the claim was completed and the claim was denied due to authorization and/or participation in the transaction activity. 
Please help me fix this illegal charges on my checking account.
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 
RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!!

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by Equifax and XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

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

I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX. Incorrect Name/Address : XXXXXXXX XXXX XXXX  XXXX XXXX Incorrect Name/Address : XXXX XXXX XXXX  XXXX. Incorrect Name/Address : XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX Incorrect Name/Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX. Account Name/Number : XXXX  XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX. Account Name/Number : XXXXXXXX XXXX XXXXXXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

To whom it may concern : Please remove this file from my credit report as it was a paid account and no notice was served to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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. 

Account name : XXXX Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX, Account number XXXX XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : DEPTEDXXXX  Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : XXXX, Account number : XXXX, has violated my rights. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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

On XX/XX/2024 I requested that XXXX accounts be verified. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account XXXX XXXXXXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off in XXXX of 2022, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I used paypal to pay a merchant because I was under the impression that paypal transfers are quick. The merchant informed me that he can not start of the piece I commissioned since Paypal is holding the funds for 21 days. He needed part id the money to purchase the raw materials for the piece. Additionally Paypal will bot allow him to return the funds since they are on hold, so I can not get my money back to pay another way. I called paypal and they said this was their policy I asked them where it says that. Certainly it does not say that when I am about to sent the money. There should be a wanting that fund can be held for this excessive amount of time.
Product: Credit reporting or other personal consumer reports

I went to XXXX  XXXX XXXX to cash a check they sent me and they wouldnt cash it.! they wouldnt except my ID the lady XXXX. XXXX wouldnt let no one serve me and wouldnt let the rep sign me up for an account she was very tough and I didnt understand cause her bank was the one who sent me the check
Product: Money transfer, virtual currency, or money service

I am an attorney in New York. On XX/XX/2019 my client 's email system was hacked and used to authorize the transfer of {$89000.00} into an account at SunTrust Bank. 
Within ten minutes of the wire being sent, we were able to detect the fraud and immediately had our financial institution reach out to SunTrust to report the fraud and place a hold on the account where the money was sent. 

Our financial institution followed ALL of SunTrust 's protocols inclusive of various versions of hold harmless agreements. We have been told that banks generally will have this rectified and the funds returned in a very short period of time. We know the funds were caught before being sent out and that SunTrust is holding the funds. 

It has been well over a month now. SunTrust not only has not yet returned the funds, but they continue to be non-responsive to both myself and our financial institution for weeks. We have calls in every single business day, emails as well, with no response and no courtesy of an update. 

We would like to know what our rights are here with regard to SunTrust and their failure to act professionally in handling this fraud that took place using one of their accounts. In the meantime, my client continues to be waiting for the return of his funds.
Product: Debt collection

Webster bank debt collector harrassment Its not only hurting your credit, in about 2 weeks the loan is being forwarded to an outside attorney for further collection. 
That means they could sue you on the note, garnish any job wages, put a lien on property etc. 
I just wanted you to know what was going on with it. 
In order to stop this, one payment, the XXXX/XXXX/XXXX payment would need to be made by end of business of XXXX/XXXX/XXXX. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. INQUIRIES : 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

In the past three months i have disputed information on my equifax report. A fraudulent account was opened through XXXX and money was taken out of my personal bank account. After disputing through my financial institution and XXXX both agreed the account wasn't mine and blocked access/removed fraudulent information from my credit report. Equifax is the only company that disagrees and will not remove the information that is damaging my credit score. 
I have never had an account with XXXX or XXXX XXXX. When i disputed the account with XXXX   they could not find an account with my name or email.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Checking or savings account

I have been having an account with Navy Federal since approximately XXXX. There has been numerous times throughout the year from XXXX XXXX were Navy has processed charges slow or sent charges through on my account late causing my account to become overdrawn and in return they have charged overdraft fees to my account.
Product: Debt collection

After checking my credit report, I noticed accounts that I didnt authorize and believe to be incorrect. Please block and remove these fraudulent entries immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against Concorde Auto regarding the purchase of a vehicle on XX/XX/year>. The car has had to be towed to the repair shop twice due to the inability to drive it, with the most recent incident leading my child and I to be stuck in the middle of the street, in harms way. Unfortunately, the vehicle in question has proven to be a lemon, as it has spent an entire month in the repair shop due to a persistently faulty engine. Currently, the vehicle is still in the repair shop. 

This situation not only violates the trust I placed in Concorde Auto but also raises concerns about the quality of their vehicles. I kindly request your intervention and investigation into this matter, taking into consideration the Texas lemon laws. As I have still been expected to make car payments in addition to incurring rental fees. The rental fees are exceedingly expensive, and I was often unable to go to work as expected due to not having my car. In addition, after complaining about the excessive amount of time my car has been in the repair shop, I was told that I could no longer call to receive repair status updates. 

Your prompt attention to this matter is crucial, as the prolonged repair period and the repeated issues with the engine are not only inconvenient but also a clear violation of consumer rights. 

I am asking for the immediate removal of this vehicle from my credit, in addition to refund on fees incurred on a vehicle that should not have been sold. 

Thank you for your immediate assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on, XX/XX/year>, and noticed that there are items on my credit report that are incomplete and inaccurate. According to the FCRA, whenever a CRA prepares a consumers report, it shall follow reasonable procedures to assure maximum possible accuracy of the information pertaining to the consumer the account relates. These accounts are inaccurate and incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I sent Experian a letter asking them to make sure that the information they are reporting in my credit report is accurate and complete. I received a letter from Experian stating that after their investigation, my credit report and the accounts in question are accurate and complete. 
15 USC 1681 i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If after any reivestigation under paragraph ( i ) any information disputed by a consumer, any item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the re investigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been deleted or modified from the file of the consumer. 


- I then created a letter asking them how did they verify the account. According to the FCRA, ( 7 ) Description of the re investigation procedure. A CRA shall provide the consumer a description, referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. THEY DID NOT do either. Can you please help me with this matter?