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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent suspicious activity related to my accounts, I am requesting an immediate fraud alert on my credit report. I believe I might be at risk for identity theft or fraud. 

Please find a copy of my [ identification, e.g., " drivers license '' ] for identity verification. Once the fraud alert is in place, I'd appreciate a confirmation from your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes Transunion, XXXX, and XXXX. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction XXXX without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., Transunion, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, On XX/XX/XXXX I received a notice from Experian that my FICO had changed. I found this puzzling since the only negative items were the same from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My score was XXXX as reported by XXXX XXXX on XX/XX/XXXX. OnXX/XX/XXXX It was noted that my score had dropped to XXXX and dropped by 16 points by Experian. On XX/XX/XXXX it was noted that my score had dropped by 19 points and was XXXX by Experian. It may be noted that it is recommended that I purchase some of their services, fraud and credit reporting. I found this strange and believe that this is extortion to purchase their services. Let me be perfectly clear that nothing has changed to that would impact my score negatively. On XX/XX/XXXX I will face XXXX XXXX XXXX XXXX in court for submitting improper information on my credit report. This will be followed by XXXX XXXX XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received an offer of 1.99 % promotional APR on balance transfers until XX/XX/XXXX. I took the advantages to advance {$3700.00} and {$3500.00} on XX/XX/XXXX after paying a balance transfer fee of 2 %. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. However, Chase Bank keeps charging me high interest rate on my purchases, I called twice to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the cash advance. I was advised to pay off the entire amount or not to use the credit card at all. 

Since I have prepaid the 2 % transfer fees, it is not fair for me to pay off the entire amount before XX/XX/XXXX. I have quit using this credit card in the last two months.
Product: Student loan

ACS is the company. I found out this year that ACS Education Services closed in XX/XX/XXXX. I never received a letter from them that they will be closing. I keep on making my payments on my student loans. Over the years, I did take options that were available to me because of my financial situations. ACS charged me a lot of interest during this time. I never saw my account go down, just up. I transfer my students loans form ACS to XXXX in XX/XX/XXXX. I see my loan decreasing a lot now for example {$330.00}. ACS ripe me off numerous of time. They charge me more interest on my loan. I have talk to tell about my payment history. They sent that information to me in the mail. I do not understand it.
Product: Checking or savings account

I deposited a XXXX party check and the bank froze my account after I spoke to a bank representative about the hold they put on the check and now refuses to release my funds. They said that I needed to go to a branch to withdraw. So I drove to California to the nearest branch and still without a doubt didn't release my funds.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

This account is not mine and should be removed off of my credit report immediately I dont know where it came from. I dont understand it and it is in clear violation of my credit reporting act rights. This is an accurate it is an authorized and it should be removed immediately. It is also put on my report without my written consent or knowledge this is a Fraud unauthorized transaction an authorized account. It needs to be removed immediately.
Product: Credit card or prepaid card

I received an email from " The Children 's Place '' that they had shipped my order. I never placed an order with them but they had my email address, mailing address and credit card in my name but were shipping the order to another address. I used my email address to request a password change and found a charges on a credit card from this store in my name. I told them I never requested a credit card and that I never placed the orders. Their email response was that once an order is confirmed it can not be cancelled, updated or changed.. They have yet to get back to me by phone. There were several orders XXXX of XXXX items had shipped. The order totaled {$140.00} and was paid with XXXX XXXX XXXX Credit Card ending in XXXX. The Children 's Place, XXXX XXXX XXXX XXXX, NY XXXX phone XXXX. XXXX XXXX is XXXX and XXXX XXXX is XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, The company XXXX XXXX XXXX ( XXXX ) from XXXX XXXX wired from their bank XXXX XXXX XXXX XXXX to my bank Capital One via XXXX Bank ( the intermediary ) the sum of USD XXXX. 

To this day, despite providing the XXXX number, the remittance details, Capital One is incapable to give me an answer as of where my money is. 

I also went to XXXX bank to see if they can help me. Since the money will not go to a XXXX account they will not be able to help me. This is their own words. 

I strongly believe that one of them ( XXXX or Capital One ) has my money and doesn't know where to send it. It is crazy that they can not wire it to my account. 

I checked the account number on the remittance details to make sure it was correct. I checked the routing number to make sure it was correct. 
EVERYTHING IS CORRECT. 

XXXX is my last resort as I am getting nowhere.
Product: Credit card or prepaid card

American Express canceled my platinum card without any warning. They provided no explanation why the card was canceled. They stranded me in a foreign country where I needed the card to pay basic expenses. This caused me significant difficult. To this day I have no idea why they canceled my card, when they canceled, how they were able to do this without my authorization or why. This card has a significant annual fee, Amex owes me a refund of this fee for loss of use of the card. I have no idea where they sent the replacement card or why. I did not receive it.
Product: Credit reporting or other personal consumer reports

I have reported this company to Identify Theft. I requested paperwork to show proof that I signed a contract with XXXXXXXX XXXX XXXX XXXX XXXX  They state they are a credit card which is fraud. They are not. I also requested payment history proof to include last payment and amount. It states credit card limit was XXXX and they are say I owe XXXX. More than double This is Fraud. I have requested this fraud to be removed multiple times and yet the experian and transunion keep stating Verified. I have had no validation to prove this debt I demand this account be removed immediately and Experian just updated staying that last payment was as of XX/XX/XXXX. Making this a current issue. This has caused to be detrimental to my credit standing. This account is NOT OPEN AS OF LAST PAYMENT XX/XX/XXXX. AND THIS IS NOT A CREDIT CARD. I HAVE SUBMITTED A CLAIM XXXX AND THIS HAS NOT BEEN VALIDATED OR REMOVED.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} - XXXX
Product: Credit reporting

Transunion reports that my account balance increased by {$11000.00} due to a student loan with XXXX. I have always had that loan, so it should not have been reported as a new debt. They knocked my credit score down by XXXX points. They should have not done that.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number:XXXX Credit Bureau : EQUIFAX Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}.

Reason for closure : " Credit line closed at consumer request. '' Equifax : Highest reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}.

Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. XXXX and XXXX report a credit limit of {$250.00}, while Equifax reports no credit limit at all. Additionally, the reasons for closing the account vary : XXXX and XXXX indicate that the account was closed at the consumer 's request, while Equifax reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible.

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Mortgage

I requested in writing for Selene Finance LP to provide me with the the " input values '' and review the Net Present Value analysis/model used in making the calculations for the " NPV Test '' along with the date the process was completed in writing according to HAMP guidelines and Selene 's in house modification programs. I have right to a copy of the property valuation report. I also requested in writing for a copy of the pooling and servicing agreement, investor guidelines and the name/entity of the investor for the loan. 
I was never provided with anything from Selene Finance LP in accordance with PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Product: Debt collection

I have no idea who this company is or any information on this debt. It's not mine, I've not received anything in writing or even a phone call regarding this debt. As required by law the company must validate the debt, give me 30 days to response to their written response and then proceed from there. I want this removed off of my credit bureau immediately and they should be fined for this illegal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct XXXX CA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to XXXX Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX : XXXX XXXX, XXXX FACTUAL DATA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Im am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested This account has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is 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 appr
opriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I 've done the dispute process for the fraud transactions that occurred on my card statement. However, the credits I got for those fraud transactions were reversed & my credit card was charged for all the fraudulent transactions. I was told that they have found some information regarding the transactions, however they were done oversea while my card was not in my possession. I would like some serious attention given to this case as well as a appeal to the dispute claim.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt, i didn't have a opportunity to dispute this information. if in fact you believe you gave me proper notification, then please send me the Certified receipts with my name on it with my signature.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. These items are inaccurate and incomplete : XXXX, opening date XX/XX/XXXX, account number XXXX XXXX, opening date XX/XX/XXXX, account number XXXX XXXX XXXX, opening date XX/XX/XXXX, account number XXXXXXXX XXXX opening date XX/XX/XXXX, account number XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), opening date XX/XX/XXXX XXXX account number XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting that you reinvestigate these items and provide verification of the source of the information you used to return a verified response to my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ). If you can not verify the source of your initial response, please delete all contested items from the credit report you maintain.

I believe that the credit reporting agencies failed to contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, FTC reference number XXXX. This failure to verify the information demonstrates noncompliance with the FCRA. If you do not delete the disputed items, I will seek compensation for all credit denials attributable to these items due to your willful and negligent noncompliance with the FCRA. 

Enclosed are copies of my identity theft affidavit, the initial CFPB complaint, and any other supporting documentation. Please reinvestigate these matters and provide me with a written statement of the outcome. 

Thank you for your prompt attention to this matter. I expect a response within 30 days.