23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am filing a complaint because I was recently denied a credit card from Discover and know that I was discriminated against and that their decision was based off of information retained from my credit report which is filled with inaccurate and false accounts that I have been disputing with the credit reporting agencies. There were multiple violations of my consumer rights that they are liable for not only civil but also criminal. Attached is a letter I have prepared stating the violations from TILA, ECOA, etc. Congress wrote these laws to help and protect consumers such as myself. I have also submitted a complaint to the Attorney Generals and the Federal Trade Commission. My concerns continue to be ignored and I havent heard anything back from Discover in a week after sending an email to corporate where XXXX XXXX said that she was going to investigate.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request dispute an inaccurate item on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ) According to the Credit Bureau XXXX, XXXX and XXXX records, there is incorrect information being reported under section # 1681-0 Civil These errors are negatively impacting my ability to secure other financial duties. This dispute is being submitted under ( FCRA, 15 U.S.C. & 1681i which requires credit reporting agency reinvestigation and provide original documentation from the original creditors. If this is not provided per ( FCRA ) all items must be deleted. The specific inaccuracies are as follows : This information is incorrect and needs to be validated. This is not my debt and need to be removed immediately. 15 U.S code 1637 ( 2 ) 9A 15 U.S code 1681s 2 ( aX3 15 us Code 1681e ( b )
Product: Checking or savings account

Bank intentionally froze my account without my consent and against my explicit instructions not to due to pending refunds. Declined refunds from XXXX separate merchants. There is more than {$500.00} in refunds they are refusing to process. I go in to a bank and they say there in nothing they can do. They instruct me to call the number on the back of the card. When I call I get connected to someone to cant speak or understand XXXX. I repeatedly call the fraud number and they dont answer. Have spent XXXX hours without anyone answering. This bank needs to be shut down.
Product: Prepaid card

NetSpend didn't provide provisional credit. 

I followed NetSpend dispute process, after my debit card was stolen and unauthorized charges were made.
Product: Debt collection

Beginning in XX/XX/XXXX, I noticed a collection account on my XXXX credit report from Professional Finance Company, regarding XXXX XXXX. I have never been a patient of " XXXX '', now owned by XXXX. The account number provided within my XXXX credit report is XXXX, for a charge of {$3200.00}, with a date of XX/XX/XXXX. At no time in XXXX of XXXX, or in the years XXXX, XXXX, XXXX, XXXX and XXXX have I been to ANY hospital to receive ANY medical treatment. On XX/XX/XXXX, I sent a letter to Professional Finance Company at XXXX XXXX XXXX XXXX XXXX XXXX containing an Identity Theft Report, an Identity Theft Report Debt Collector Letter and a Notice to Furnishers. I provided a copy of my government issued drivers license as proof of identity. Professional Finance Company failed to respond. I resent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX. I have never even received a collection notice from Professional Finance Company and in violation of clearly established case law, Professional Finance Company has failed to respond to each and every letter. Each failure to respond is a violation of federal and state law, and clearly established case law. This is and will be my last attempt before litigation to resolve this matter amicably. The original FTC Identity Theft Report Number is : XXXX. The lack of willingness to respond is very concerning and makes clear there is a high probability that Professional Finance Company could be in possession of medical information, in violation of HIPPA laws. Furthermore, Professional Finance Company is reporting inaccurate information to XXXX, such as listing the account as " open '' instead of closed. Professional Finance Company also does not provide a " closed '' date as a collection company is required to provide. Please see the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of the fraudulent accounts and information you report on my XXXX XXXX. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have red my rights under the FCRA and according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to transfer {$200.00} to my pastor 's Venmo account for handling memorial svc for my father. My acct was frozen and no explanation given. After several email exchanges with Venmo reps who stated they'd escalate issue, acct is still frozen. On or near XX/XX/XXXX I provided photo of driver license and selfie holding it as requested in Venmo email. Acct is still frozen with no reason provided. 
On XX/XX/XXXX I advised them via email that unless my {$200.00} was refunded/returned via bank acct in my Venmo profile or mailed to physical address in my Venmo profile, I would be contacting an atty. Still no reply other than an automated email asking how their email correspondence is rated by me. Still no reason provided for holding my funds. 
I'll never use their svcs again so they can shut my acct down - only after all my personal info is deleted from their database.
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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX 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 XXXX  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: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX messed up with my credit profile and provided the information to early warning system that there has been an identity fraud in my account on XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX  Number : XXXX I asked Early warning system to provide my credit report which they provided but unfortunately when I am trying to dispute this information with Early warning system - there is a technical glitch with Early warning online system with the error message : Invalid registration info, invalid reXXXX response, or not allowed to register from this location. 

this is when I am trying to register to send secure email to them. 

This is a big headache for me as I can not open a bank account for direct deposit for my job. 
when I tried to open a bank account at XXXX, account was opened and then XXXX closed it. When i called XXXX on XXXX XX/XX/XXXX, I was told that due to remarks by XXXX, they are going to close my account. Due to this early closure- I am missing {$300.00} cash back bonus. 
In their XXXX XX/XX/XXXX letter XXXX mentioned that : Please be advised that we may furnish negative information to a consumer reporting agency, including but not limited to, your account being closed
Product: Credit reporting, credit repair services, or other personal consumer reports

cant upload documents to website like I should be able to! unauthorized inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus about a collection ( XXXX XXXX ) and have not received a response back or any results
Product: Credit reporting or other personal consumer reports

Formal Identity Theft and Unauthorized Collection Complaint Against XXXX and Experian** Immediate Deletion of All Unauthorized Collections Due to Data Breach and Lack of Permissible Purpose Dear **Consumer Financial Protection Bureau** , I am filing a formal complaint against both **XXXX** and **Experian** for their involvement in a data breach that has resulted in the unauthorized use of my personal information and the reporting of collections on my credit report without my explicit permission or any permissible purpose. This is a severe violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and has caused significant harm to my credit and financial standing. # # # Issues Addressed : 1. **Identity Theft and Data Breach** : - Both **XXXX** and **Experian** have exposed my **Social Security number, date of birth**, and other personal information to unauthorized third parties, allowing fraudulent activities and data breaches to occur. Despite my repeated requests to protect my personal data, they have failed to take adequate measures, directly resulting in these breaches and subsequent identity theft. XXXX. **Unauthorized Collection Entries** : Due to this data breach and the lack of a permissible purpose, all of the following collection accounts are unauthorized and should never have been reported : - *XXXX XXXX XXXX XXXX XXXXXXXX : Experian reports a collection with a balance of {$2200.00}, which I have no knowledge of. This debt was reported without my consent or any permissible purpose. - XXXX XXXX XXXX  XXXX XXXX ** : Both XXXX and Experian report a collection with a balance of {$620.00}, increasing to {$830.00}. I have no knowledge of this debt, and no permission was given to report it. - **Additional Collection Balances** : XXXX  shows additional collections with balances of ** $ XXXX, ** $ XXXX, and ** $ XXXX. These debts have been reported without any valid verification or permissible purpose, and I do not recognize any of these collections. # # # **Violation of Privacy and FCRA** : - Both **XXXX** and **Experian** are violating **15 U.S.C. 1681b**, which restricts the sharing of consumer information without permissible purpose or consumer consent. By allowing these unauthorized collection accounts to be reported on my credit file, the agencies are in breach of this provision of the FCRA. - These accounts should have never been reported, as they are a direct result of the data breach and misuse of my personal information by third parties.
Product: Debt collection

I have a {$250.00} debt collection and never opened an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in copies of my ID showing proof of my correct name which is XXXX XXXX XXXX. I've called as well. They finally changed my name on my credit report but they deleted the correct spelling of my name and added XXXX XXXX XXXX XXXX XXXX. I keep contacting them to correct this and have not gotten anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I was recently denied credit and I pulled my credit report and I found out I was violated under the federal protections provided to me as a consumer under the FCRA.15 USC 1681a ( 2 ) ( B ). clearly states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report.

A social security card is a credit card defined pursuant 15 USC 1601 ( l ) under TILA which is the same as the definition as a credit card under the FCRA stating any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

The following extensions of credit included in the attachment letter were authorized from my social security card or my credit card and these accounts are in violation of 15 USC 1681 ( a ) ( 2 ) B ).

These accounts also are in violation of 15 USC 1681b ( 2 ) because I did not give written content to furnish these accounts and therefore these accounts do not have permissible purpose. By releasing this information they have violated my right to privacy pursuant to 15 USC 1692a and as result have caused me damages from emotional stress, additional barriers to receive funding during the pandemic, and aided in tarnishing my reputation.

I DEMAND a removal of these accounts as a federally protected consumer under the law.

This is me and not done by no one else. I have sent notarized letters to the Equifax
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CAINE WEINER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Missouri Revised Statutes Section 570.223.

It has unequivocally come to my attention that CAINE WEINER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Revised Statutes Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information in cases of identity theft. This statute defines identity theft and the legal repercussions of such fraudulent activities, including unauthorized use of personal data for credit reporting purposes.

I assert with unwavering certainty that I have not provided consent for CAINE WEINER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAINE WEINER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAINE WEINER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Bank account or service

I have had an account with td bank for less than 90 days and I have received over XXXX dollars in overdraft fees even when I 'm not using my card. I hate this bank. Everyone I go to the bank off XXXX XXXX in XXXX, I ca n't get a manager. This is the most unprofessional business I have ever come accross. SHUT THEM DOWN
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}
Product: Credit card or prepaid card

I was pre-approved for 3 of Comenity Bank cards in XX/XX/XXXX. To include the following : XXXX XXXX XXXX - $ XXXX limit XXXX XXXX XXXX- $ XXXX limit XXXX XXXX XXXX - $ XXXX limit I applied and received the above credit limit for each. Sometime around XX/XX/XXXX the cards arrived and I activated each one. The very next morning each card was frozen/blocked. No transactions at all. I called in to see what happened and I was told the cards were blocked and i needed to send in documentation for my identity purposes. I emailed XXXX around XX/XX/XXXX and was told it will take 30 days to review. I sent in color copy of my GA DLs front and back. Color copy of SS card front and back and pdf copy of GA power utility bill. I called back two weeks later to be told that all my accounts were closed and the documents werent to Comenity bank standards. ( Not sure what that means ) and that I would have to reapply without any further explanation. However there letter states that they will not close the accounts until after 30 days. We are still within the 30 days as of today XX/XX/XXXX. I resent documents again today to also include my most recent W-4s. My credit now shows that a creditor closed an account which is negative and also the inquires they used to approve me for each card. Why close my accounts in the first place? There were no transactions and all my information was correct even my documents I sent twice. Just to tell me to reapply again?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months, I have been in contact with all of the credit bureaus due to me becoming a victim of identity theft. XXXX  and XXXX  has since responded and removed majority of the fraudulent accounts. Transunion on the other hand has not responded with accurate verification. Accounts XXXX XXXX, XXXX, and XXXX  XXXX XXXX   still remain on my Transunion report. I have included several pieces of supporting documentation which included a copy of my Federal Trade Commission report. I also requested for fraudulent addresses, names, and other personal information to be updated and corrected. I never have been associated or received any money, goods, or services in relation to the fraudulent accounts mentioned above and I have taken specific measures on my part to have them removed. As part of the Fair Credit Reporting Act sections 605b, 609, and 611 Transunion must be held accountable and remove the fraudulent accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an ftc report with Experian regarding a collection agency I have never made business with Experian deleted it and then reinsert it back without notifying me. I wrote back to Experian with proofs that they had sent me that collection account was deleted and then they put it back on. I received a response to my dispute today XX/XX/2022 with them saying Updated!! What does that even mean they were supposed to remove it they are in violation of my rights as a consumer. Its affecting me to get approved for home so that my kids can have a home its causing me XXXX and XXXX  cause this matter is not being resolved. Experian is ignoring my disputes I will have to take it to litigation since they are violating my rights and I have proofs to prove it!