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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
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Product: Vehicle loan or lease

I called Toyota Financial Services and paid a principal only payment with a representative and the money was applied to my regular account. When I call back I was told that they could not apply moneys to principal only for a week. I then called back still no transfer of the funds. I was told two day and asked for a supervisor and was told that the supervisor told them to tell me my funds would be allocated in a week. I have been trying to have fund applied correctly for three days XXXX. Toyota has refused to transfer funds and final a supervisor returned my call and still not transfer of funds. Please look into this and see if I can have this corrected sooner than a week so that I can make a regular payment.
Product: Credit card or prepaid card

It has come to my attention that AMERICAN EXPRESS has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an adverse action pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the consumer credit transaction using my credit card pursuant to 15 USC 1602 ( L ) making AMERICAN EXPRESS an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means AMERICAN EXPRESS benefitted from the transaction. I am the one who extended credit through the credit application. AMERICAN EXPRESS used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. AMERICAN EXPRESS is civilly liable for violations of TILA pursuant to 15 USC 1640. AMERICAN EXPRESS is civilly liable for violations of ECOA pursuant to 15 USC 1691e.

I DEMAND the credit applied for to be approved and to operate the account in open ended status. I demand my card be mailed to the location information provided.
Product: Credit card or prepaid card

My Way2Go prepaid Mastercard ( goprogram.com - XXXX  child support ) expired and I did not receive a replacement card. The only way to contact them for replacement is on the phone number listed XXXX. When calling I either get a heavy call volume call later message or when I get into the queue ( once every 10 tries ), after waiting for a while I get disconnected. This happens any time of day/night I tried calling their 24/7 line at XXXX XXXX, XXXX XXXX  etc and its always the same. It's been a month now and there's no way for me to get my child support money that's on the expired card.
Product: Credit reporting or other personal consumer reports

1. I am writing in reference to the lien release document dated XX/XX/XXXX, concerning loan number XXXX. 

2. This document states that my loan of {$10000.00}, originated on XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

3. The lien release is notarized by XXXX XXXX, adding legal verification to its contents. 

4. I am concerned that my credit report does not accurately reflect the information contained in this official document.

5. I request that Navy Federal Credit Union review their records and ensure that my credit report accurately shows this loan as paid in full as of XX/XX/XXXX. 

6. Navy Federal CU has posted a personal loan to my credit for a duration of over 4 years erroneously, it is demanded this is removed.

7. Please provide written confirmation once you have completed all necessary corrections to ensure accuracy in credit reporting.

7. The lien release is a legal binding document, Navy Federal Credit Union is in violation of the protections afforded under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my final demand letter, regarding the removal of unauthorized hard inquiries from my XXXX XXXX. Despite my repeated requests, these unauthorized inquiries continue to appear on my XXXX credit file, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XX/XX/XXXX, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit card or prepaid card

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is a violation
Product: Credit reporting

I recently pulled my credit report and found errors in the information. I have written the company and called several times only to be treated very rude by their customer service. The FCRA states that the only permissible purpose for pulling someone 's credit report is XXXX firm offer of credit b ) insurance c ) employment d ) a court order. The following credit inquiries are none of the aforementioned permissable purposes : XXXX, XXXX XXXX XXXX, XXXX ( twice ) and XXXX XXXX Financial in 2016. I have also requested information in regards to a NY XXXX XXXX XXXX in which there has been no response and should be removed. Lastly I have requested that they update my address to my current and remove all others. Again no action taken.
Product: Credit reporting or other personal consumer reports

I received a response from Experian on XX/XX/year>, stating they have verified with the creditor that everything was verified. After checking my credit report and speaking with the creditor Experian did not properly investigate like they said they did. This sham investigation and faulty procedure did not correct the errors. Experian has failed again to properly investigate this matter, which negatively impacts my family and reputation. I demand that you remove this Item from my credit file or I will have no choice but to file another lawsuit for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXX remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature. Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. Provide me with written confirmation once these fraudulent items have been removed from my credit file. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$570.00}.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX XXXX ( XXXX XXXX ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on Transunion, XXXX & XXXX XXXX 
Please see attached document showing paid to XXXX XXXX XXXX  on XX/XX/2023 in the amount of {$1100.00}.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Robinhood account was hacked and someone my account was closed and restricted I already verified with live selfies and identification documents and they refuse to disburse the funds that are in the account I have proper proof the funds are legit and not stolen or fraudulent
Product: Debt collection

Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. <P/>On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.
Product: Debt collection

I was notified by Synter Resource group on XX/XX/2019 regarding an alleged debt. I have reason to believe I do not owe this debt because I have never conducted business with XXXX XXXX XXXX  XXXX, XXXX. I have never received a bill, nor an email. 
I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in New York. 
I notified company within 30 days of being notified about this debt, and expressed they must cease attempting to collect this alleged debt until after they have provided the requested information. They refused to supply the information in writing and instead stated they are unable to do so and can only communicate via email. 

I notified XXXX XXXX XXXX XXXX myself and was told that the debt is not mine, that it was a mistake, and they have rectified the account. Synter Resource group continues to contact me via email that I owe a debt that is collecting late fees and interest after I notified them in writing to cease and after XXXX XXXX XXXX   XXXX rectified my account.
Product: Debt collection

1 ) I do not know CBE Group Inc {$42.00} Date Assigned XXXX/XXXX/XXXX # XXXX Retail Unpaid 2 ) I do not know XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX {$1500.00} # XXXX Cable or Cellular Unpaid I had Identity theft before.
Product: Debt collection

I have submitted a dispute several times for XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : 1. I have never had cell phone service with XXXX XXXX. 

2. XXXX XXXX XXXX XXXX XXXX XXXX is not an account in my name. This account belongs to XXXX XXXX XXXX. My name does not even appear on the bill.
Product: Credit reporting or other personal consumer reports

Good day, few of my closed accounts that couldve called off my report still appear there because they last updated them when I close the account. 
Acount 1 was closed 2021 XX/XX/XXXX The 2 collection dates are different from all 3 bureaus
Product: Debt collection

This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX & XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

CAINE and WEINER / XXXX / {$420.00} / XX/XX/2021 No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting

i sent a certified letter to XXXX XXXX disputing the chargeoff and lates and they responded back to me in a letter stating they DO NOT have any info on me becuase they sold the old account. i sent a copy of the letter and disputing to equifax to delete this account because they can not verify it. equifax ignored the letter and stated it was verified, i asked about how they verified it, they said through electronicly. i told them i wanted it to be removed for they can not report info on me if they dont have it. they claimed they can not do that and they are referring me back to XXXX XXXX. THEY keep passing the buck back in forth. I WANT THIS INACCURATE UNVERIFIABLE info off my credit report PLEASE
Product: Credit reporting

I have had this tax lien on my credit report since XX/XX/XXXX in the amount of {$1700.00}. I paid off the lien in XX/XX/XXXX. The tax lien should be removed by now since it 's been 7yrs. I have contacted the Credit Agency several times to have this removed and they have refused. The lien has been fully paid and should be removed based on the 7yr time lapse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only time a consumer reporting agency may furnish a consumer report are under the following circumstances and no other : ( o ) In accordance with the written instructions of the consumer to whom it relates. 
I Did NOT give you written instructions to furnish this on my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb ; Experian ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Product: Debt collection

I was incarcerated in XXXX of XXXX til XXXX of XXXX. I had an open account with American Express prior to being incarcerated. At the time of my incarceration my balance was {$0.00}. When i was released me balance was {$2500.00} and account was in collections.All the charges occurred while i was incarcerated therefore it couldn't have been me. Ive tried to dispute this with them but they're making it impossible to get in touch with them.