23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, ( XXXX XXXX  XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items.I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts.If information is not provided or the false reporting isnt removed; as in XXXX XXXX Trans Union Corp., No. XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt or credit management

I signed up for a subscription in need of a payday loan/hardship loan with MONEYLION.I was in need of money that's why I applied what I thought was a loan.i was approved for {$900.00} loan.i was give in what I thought was my MONEYLION account.come to find out this is not necessarily a loan, ..but more like a savings account.they expect me to make payments to payoff this " so called '' loan and build my credit... and now I'm lock in to this account which effects my credit report history.i would like help canceling this account, due to the fact it wasn't a loan, and they misled me.
Product: Credit reporting or other personal consumer reports

Kindly dispute the XXXX that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion 4 times due to an unauthorized hard inquiry on my credit report. The customer service representatives would not help remove this inquiry. The inquiry is from XXXX XXXX XXXX and was pulled on XX/XX/2020. The item in dispute should have been investigated with XXXX  XXXX XXXX or deleted which they did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau continues to have fraudulent information/accounts on my credit report. I have disputed these accounts several times and their re-investigation process is against the law. They refuse to re-dispute after an account is verified as accurate and even goes so far as to call the claim frivolous. I have had these accounts verified and removed by XXXX and XXXX   after being deemed fraudulent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX
Product: Mortgage

My tax bill for my home was due XX/XX/XXXX Lakeview has not paid the bill and has an excuse every time I call. They tell me it will get paid, I have been calling since XXXX when I noticed it wasnt paid. I went and obtained another copy of the bill for them. My escrow has thousands of extra dollars in it because they have not paid the bill. I have called weekly about this issue an no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX XXXXXXXX 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my consumer reports and noticed an account that needs to be deleted. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never provided written consent to report the account : XXXX XXXX XXXX  Account XXXX : XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be deleted from my TransUnion consumer file.
Product: Checking or savings account

I contacted chime Visa where I have my online checking and savings  account in order to get transaction records printed out from XXXX  to supply to my auto loan so that I could verify that my payments were not late as they were reported on my credit report. In this process I was put through to a customer service XXXX  who needed to gain remote access to my account in which I did so. I questioned him the whole way through why he had to do it this way and he gave me a very good answer and what ended up happening was the customer service XXXX  from chime Visa or at least that's who I thought I was talking to had me put my savings into my checking so he could check both accounts as he explained to me and then all of a sudden my checking account was drained down to XXXX cents and it appeared that {$300.00} went out to a third party XXXX  and recipient whom I have no knowledge of and did not authorize. Now I have had to report my card stolen and there is an alert on my account according to chme Visa however I'm still not sure that I spoke to a proper representative and I have a new card being sent in the mail currently they stated that they would not be able to access my actual checking account and routing numbers so that a replacement card would be sufficient I am now in the process of waiting for that but I am out {$300.00} I filed a dispute with the company but I have not received any other confirmations with the exception of an email that states that I filed a complaint I did receive a text message for a code that supposedly I had requested which I did not when I received that I called chime Visa again I spoke to a representative he assured me that was because of the dispute process that I had initiated however the automated system XXXX  I clicked into that text said something about maybe adjusting the check for clarity or what not so it appears that whoever did drain my account from chme Visa or otherwise was also trying to create a check to cash on my account as well so I don't know how much information they have and I was unable to get confirmation from chime Visa themselves. I have uninstalled all remote apps and as many permissions as I believe I can to block any additional activity from this scammer and I'm now on my way to the local PD to file a report. The supposed agent gave me a transaction number that began with a $ indicating to me this was in fact a confirmation sent from a third party XXXX  such as XXXX XXXX however I do not know this person or where they are located and my XXXX XXXX history will reflect my continuous but infrequent use of it for a few certain people ( my XXXX  and my XXXX  whom we do dinner together at work on occasion )