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

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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by I.C. System, Inc. ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state. 
Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. 
If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Student loan

I am  a US citizen but no longer live in the US and have not  for nearly 8 years. I do n't have an active banking account in the states as I do not want to pay f or one and  have no benefit in doing so, given I am on the other side of t he Atlantic Ocean. B ecause of a federal regulation change in  XXXX   2017 I ca n not make a paymen t on Navients web site nor calling them. They oblige me to pay via  a US banki ng account. This is absurd. I have not been given any solution after several attempts at vein given a solution. The only explanation is that they do not want to pay foreign exchange, or have not set up such system yet. I have not been given or suggested a viable solution except to pay from a US account. Really ? In 2017? Th e global world we live in has solutions. I want to pay, I have the money. Help me to help you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 andXX/XX/2019 I disputed accounts on my credit report. I supplied account numbers, furnisher names, and the issues I had with each account. After TransUnion initial investigation, I sent them a second letter informing them I was in disagreement of their findings because the inaccurate accounts were still on my credit report. At that time I ask for reinvestigation and provide me with validation of the debt or deletion of the accounts. I never got validation of the debts from XXXX or deletion of the accounts.
Product: Checking or savings account

On XX/XX/year>, I deposited {$2500.00} into my account using a U.S. Bank ATM. The ATM ate my cash and I was not able to use my money until XX/XX/XXXX when a provisional credit in the amount of {$2500.00}. On XX/XX/year>, I noticed a {$1200.00} reversal charge applied to my account without any prior notice or explanation. This reversal is not only unwarranted but also highly disruptive to my financial stability. I have business records confirming the deposit of {$2500.00}, and my bank statements show consistent weekly cash deposits around the same amount. 

On the day the ATM malfunctioned and ate my cash, there were other people in line waiting to make transactions. I am unsure if the ATM worked for them or if it crashed as well. There are so many possibilities of what could have happened, yet I have received no explanation whatsoever. If necessary, we can request the ATM camera records to verify the events of that day. I am prepared to contact the local police to report this or involve the Office of the Comptroller of the Currency ( OCC ) to assist with this matter. It is unfair that {$1200.00} was suddenly taken out of my account, which is completely unacceptable. 

The reversal of {$1200.00}, which I worked hard to earn, has caused me significant financial strain, and I am now struggling to manage my business operations and personal obligations due to U.S. Bank 's actions. 

I have contacted U.S. Banks Customer Care Unit and have yet to receive a satisfactory resolution. I am willing to provide any necessary documentation, including business records, bank statements, and even file a police report to request ATM camera footage to verify the events of that day. 

I am requesting that the {$1200.00} be credited back to my account immediately. Additionally, I ask that U.S. Bank reviews their procedures for handling ATM malfunctions and communication with customers, to prevent this from happening to others. 

The actions of U.S. Bank are a breach of the trust that customers place in their financial institutions. 

Thank you for your attention to this complaint. I look forward to your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Ive contact XXXX XXXX XXXX XXXX regarding vehicle loan that is showing under my name without my authorization. 

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car. 

The vehicle information is as follows : * Make : [ XXXX ] * Model : [ XXXX XXXX  ] * Year : [ XXXX  ] * Vehicle Identification Number ( VIN ) : XXXX I have never entered into any agreement with your company or signed any documents related to this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's of inaccurate information was inaccurate. I sent it to credit bureau, asking to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1660B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for inaccurately reporting an account under the name XXXX XXXX XXXX. This account is not familiar to me, and the listed name does not correspond to any verified creditor, making it impossible for me to validate this information. Furthermore, no other credit bureau is reporting this account. 

Under XXXX XXXX XXXX XXXX, I am requesting the immediate removal of this account from my credit report within XXXX days. TransUnion has a responsibility to ensure the accuracy of consumer credit reports, and the inclusion of this erroneous account constitutes a violation of the Fair Credit Reporting Act ( XXXX  ).
Product: Mortgage

I am attempting to have PMI removed from my mortgage. I submitted their form and feel I meet all their criteria tor PMI removal they have listed. I sent in the {$150.00} check for the appraisal fee. PHH cashed my check on XX/XX/XXXX and I have yet to have been contacted by an appraiser. I have contacted PHH by phone and have escalated the matter. First call was in XXXX or early XXXX, I waited a bit before the next call. It was in middle to late XXXX. First escalation call was XX/XX/XXXX and I was told to wait 7 days. Today I called ( XX/XX/XXXX ) and was told of no notable progress and that I should wait another seven days. Each time I am informed that they are passing this along to someone else. Each month I am stuck paying this and they dont seem willing to schedule an appraiser to come out. I have escalated as far as I can through their system and they still just told me to sit and wait another 7 days for a call. Unfair business practice to cash my check and not send an appraiser out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my report with the credit agency 's all three. I've proved my case of them being incorrect and they have been removed. Then they reappear/ show up on my credit report. Try disputing again and the credit agency 's dispute results say it remains. It's already been removed and now they tell me it remains.. what's really going on. XXXX and associates being one of them. This was a debt that was bought from XXXX XXXX, which is illegal. I paid that balance to XXXX XXXX, I don't owe XXXX anything, no charge off nothing. I demand it being removed cause it's false. The second XXXX XXXX XXXX. I had a XXXX financed back in XXXX. I went to prison on XX/XX/XXXX. Upon release I filed my divorce and the judge deemed this account and several others my ex wife 's responsibility. I emailed all credit agency 's the judgement, it was removed, but appears on transunion and XXXX. The third, XXXX XXXX. They bought a debt from XXXX XXXX  which is illegal. When a debt is purchased from the original person it's owed to, it a write off for that person it was owed. Anytime i have been seen by the hospital i have had and gave proof of my insurance. Therefore my Debt was paid!! I don't owe XXXX XXXX  Any money and with that being said, I demand all these accounts be removed from my credit report and stay off of it!! I have proved my innocence enough for it to be removed once. It shouldn't reappear!!!!! There is also alot of inquirys I have disputed that isn't legit/ or I haven't gave authorization for that hasn't been removed as well. I will state again, once a debt is purchased from the original creditor, it's paid as it then becomes a write of for the original creditor!!! It's illegal for that person/ company who purchased the debt to pursue me to pay, and/or put on my credit report!!! I don't owe that company proof that the debt was paid by insurance because I never owed these companies anything. When they purchased the debt they should have verified it was a legit debt, not purchase and pursue me to pay. It dont matter if/ what information that company has saying it's a valid debt!! It's illegal in the first place!! I tried calling all company 's to get this settled and I've been cussed at, hung up on, just down right rudeness from them!!! All these stayed need removed from my credit report and stay off of it, I owe these companys nothing.
Product: Credit card or prepaid card

Hello, My account is not past due. In fact, this is a clerical error that I have asked your company to fix several times, you have refused to do so. 

Again, here is the issue that needs to be fixed : 1. I purchased an {$80.00} corset with my credit card 2. I returned the corset before the billing date 3. The return was not reflected on my billing statement because, according to your company " It takes 3 weeks '' I was told the balance would be {$0.00}, but instead I was charged a late fee.

4. The {$80.00} charge was removed from my credit card bill, but the {$40.00} late fee remained.

I don't owe anything. I returned the item. I was told the balance would be {$0.00}, but instead I was charged a late fee.

This is not something I can change on my end. Your company has to fix this error.

I've reported you to The Federal Trade Commission ( FTC ) You should hear from them soon.

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

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT CORRECT ^^^ADDRESS, REMOVE ALL ADDRESSES ABOVE ^^^ XXXX XXXX XXXX Closed. {$530.00} past due as of XX/XX/XXXX. 
{$8300.00} XX/XX/XXXX Recent Payment XXXX XXXX XXXX NEVER LATE XX/XX/XXXX XXXX XXXX XXXX Closed. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/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
Product: Consumer Loan

This is a paypal line of credit that i was not aware of until today, XX/XX/XXXX. Apparently the account was opened in XX/XX/XXXX. When I opened my paypal app on my phone, it said I had a past due balance. I freaked out and immediately made a payment so that my credit was not impacted and then called Paypal to research. I was told by an agent and a supervisor that i opened the account and was accruing interest on charges made. I disputed and said this screams unfair/deceptive practices. All charges should have been posted to my XXXX and not a line of credit that I did n't apply for. Now what really upsets me is that I told the agent and supervisor that there was no way that I 'm the only person in this situation and they said I was and that i was unique. We argued for another 30 minutes that i 'll never get back and then she opened a fraud case. After I got off the phone, I just felt that I had to XXXX Paypal unfair deceptive practices and of course there is already a consent order. I then called back and spoke to multiple agents asking for the department handing the class for the CFPB order and none of the agents were even aware of the order or they are lying. Horrible customer experience and this means other customers, who are not aware of CFPB, are not getting helped. 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) My PAYPAL account info is under XXXXXXXXXXXX and phone # XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified multiple inaccuracies with the reporting of this bankruptcy entry. These errors appear to violate both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance guidelines for accurate credit reporting. The inaccurate reporting is damaging to my credit score and personal finances. Below, I outline the discrepancies : XXXX XXXX Standards Violations : Incorrect Date of Bankruptcy Filing : The bankruptcy reporting contains an incorrect or outdated filing date, which does not align with XXXX XXXX standards for accuracy. 
Improper Classification of Account : The bankruptcy may have been improperly coded or classified under the wrong category, making it non-compliant with the strict XXXX XXXX guidelines for reporting public records. 
Inconsistent XXXX XXXX XXXX : The bankruptcy information is not uniformly reported across all major credit bureaus, which violates XXXX XXXX guidelines that ensure consistency and accuracy in credit reporting. 
XXXX or XXXX XXXX XXXX XXXX : There is insufficient documentation to support the continued listing of this bankruptcy. Under XXXX XXXX, all public records must include verifiable information directly from court records. 
As required under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines, you are obligated to report accurate and verifiable data. Because this bankruptcy information is inaccurate, incomplete, or unverifiable, I am requesting its immediate removal from my credit report. 

Legal Basis : Under the FCRA ( 15 U.S. Code 1681i ), the credit bureau has a duty to : Investigate and remove inaccurate information within 30 days. 
Delete unverifiable information. 
Notify me of the results of the investigation. 
Since the bankruptcy entry violates XXXX XXXX compliance standards and fails to meet FCRA accuracy requirements, I am requesting the immediate deletion of this entry. If you are unable to verify the accuracy of the information within the XXXX window, this account must be removed. I expect a prompt investigation into this matter, and I request that you notify me of the results within the legally mandated time frame. I request that you remove it from my report without delay. 
Failure to take timely action will result in further complaints and if necessary, legal recourse.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XX/XX/year>
Product: Checking or savings account

I called Capital One bank twice on XX/XX/21 to inquiry why I have to go though SMS verification every single time when I was trying to login on my phone. I talked to two representatives and they gave completely different and inconsistent answers. 

Representative 1 told me the reason was because I changed my phone number on XX/XX/21, which I didn't. My phone number stays the same since day 1 when I opened my account. 

Representative 2 came up with a totally different narrative and told me that's how Capital One bank is doing their business. According to him, Capital One expects me me to go thought 2 factor authentication ( 2FA ) every single time and said I was lucky for only need to do 2FA occasionally previously. He further stated that Capital One will stop sending me SMS codes after the 6th or 7th attempts, which means I will lose access to my online banking account. 

I also have a very hard time to understand both representatives due to their strong accent when I was trying to talk to the 2 representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Product: Debt collection

I contacted this company R.S Associates via regular mail back in XXXX regarding a debt I dont owe for an XXXX XXXX  account that I was still making payments to them directly. I have yet to receive anything further from R.S when I asked them to verify the debt as I was still paying the original creditor. This should have never been reported to the credit bureau as the company was cashing all the money orders being sent monthly
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. 
XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"