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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, CFPB The 3 major credit bureaus - ( XXXX, XXXX  and Equifax. Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day.

I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately.

Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. FCRA 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY ID AND OPENED A FRAUDULENT ACCOUNT IN MY NAME... 
AND TRANSUNION LLC, IS REPORTING THE FRAUDULENT ACCOUNT ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and after checking my credit report I noticed some fraudulent, inaccurate, and incomplete reporting on my credit report. The inaccurate reports are damaging my livelihood and reputation and affecting my ability to be approved for a higher credit limit increase and an apartment. I am disputing the accuracy and completeness of these accounts mentioned below and I would like the results of the investigation sent to me in the mail along with any method used to verify Remove Collection Accounts : 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
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 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 XXXX business days after the date of receipt. 
It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

Due to the coronavirus I applied for a auto loan extension with Wells Fargo dealer services. They extended the loan, but are charging interest for the time period of the 3 month extension.
Product: Debt collection

First Progress is reporting an open account of {$130.00} balance. Credit limit {$500.00} and high balance of {$630.00}. 
The account was canceled by credit grantor. Was never opened by me.
Product: Credit card

Chase Bank is the account holder of my XXXX credit card, A few months ago I bought tickets for my child to attend a festival on XXXX/XXXX/2015 at XXXX XXXX California ( about XXXX miles from home ) we arrived at XXXX and were told that the show time was changed to XXXX since my son and his friend are XXXX I decided to take them back to home. I called the company and was told that there were no refunds and placed a dispute with Chase because I bought the tickets with my credit Card and the service was not performed as offered ( by changing the time ). Chase denied my dispute because the merchant sent them a letter stating that the service was performed as offered in the ticket XXXX but Chase did not verify such information and when I was called I sent them a copy of the ticket were you can verify clearly that the show was scheduled for XXXX doors @ XXXX. I 'm calling Chase dispute phone number and no answer has being provided, I leaved about XXXX messages and no calls or response has being received attached is a copy of the letter received by Chase and a copy of the original ticket I bought
Product: Mortgage

I settled a mortgage obligation XXXX with XXXX XXXX XXXX XXXX XXXX in XXXX via a promissory note that servicer retained but did not credit. I administratively defaulted them and recorded a lien in XXXX XXXX register of Deeds. One term of my novation is they were not to sell my note, which XXXX did sell to Rushmore Loan Management, LLC of XXXX XXXX, who began trying to collect on a new loan number XXXX I never signed. The statute of limitation to collect on a promissory note in state of Wisconsin is 10 years, which in this case has expired. Rushmore, their lawyers XXXX XXXX XXXXXXXX XXXX and their alleged principal XXXX XXXX XXXX  have no license to collect in state of Wisconsin. They prevailed upon a county judge to schedule an unlawful sheriff sale of the property. My bid was higher and yet the judge awarded the property to the bank. Rushmore never produced a real party of interest, POA or evidence of a debt owed, just old mortgage documents. Their CEO, attorneys and trustee failed to appear to subpoenas in US Bankruptcy court in XXXX. Voice-mails left with their attorneys were not returned. They are a totally rogue, outlaw agency committed to stealing homes.
Product: Student loan

I have consistently been pushed in the direction of forbearance with Navient. I've been out of school for almost two years now and while I couldn't make a big payment they have told.me.thatbas long as I stay in forbearance everything is okay and eventually my loan will be forgiven.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Checking or savings account

On Wednesday, XX/XX/year>, Capital One experienced a nationwide disruption to its services, which delayed the processing of deposits, electronic payments, and transfers. My direct deposit, which was scheduled to arrive on that day, did not post to my account until Friday night, XX/XX/year>. 

This delay caused significant inconvenience, as I had bills due during this time and relied on the timely arrival of my direct deposit to make those payments. Despite receiving an email from Capital One on XX/XX/XXXX notifying me of the disruption, I feel the company failed to take adequate steps to resolve the issue promptly or provide a sufficient explanation for the delay. 

I believe this situation demonstrates poor service and mismanagement, as timely access to funds is critical for customers. I would like this matter investigated to ensure accountability and to prevent similar issues in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 appropriate, 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.
Product: Mortgage

Being laid off cause me to have decrease in my income which cause financial hardship which also cause me to file bankruptcy. I also tried to get mortgage help from Chase and was denied 7 times. 

XX/XX/2018 I surrender my home back to chase after being denied mortgage help once again.

the hearing took place the judge ordered the trustee to stop payments to chase effective immediately I moved out XX/XX/2018 received a check in the amount of {$100.00} from Chase applogizing for the delay in responding back so late on the mortage asst. well Chase forclosed on the home in XX/XX/2018 6 monyhs after the home was surrendered thru bankruptcy. How is this possible.
Product: Money transfer, virtual currency, or money service

Dear Customer Support, I am writing to appeal the permanent limitation on my PayPal account, which I believe was placed in error. My PayPal email address is XXXX. 

First and foremost, I would like to emphasize that I have not violated any of PayPal 's policies. I am a law-abiding citizen who has always used my PayPal account in accordance with the terms and conditions set forth by PayPal. Therefore, I believe that my account has been unjustly limited, and I respectfully request that PayPal re-evaluate my case. 

I would like to ask PayPal to conduct a thorough review of my account and transactions to verify that there have been no violations of PayPal 's policies. I am confident that upon review, it will become clear that there has been no misconduct on my part. If there are any discrepancies or misunderstandings, I would be more than happy to provide additional information or documentation to help clarify any issues. 

Furthermore, I would like to request that my account be restored if possible. I have been a loyal and active PayPal user for many years and rely on the platform for both personal and professional use. Losing access to my account has caused significant inconvenience and distress, and I would be grateful if PayPal could take this into consideration. 

I appreciate your time and consideration in this matter and hope that PayPal will re-evaluate my account and make a decision that is fair and just. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XXXX XXXX I went to the Bank of America XXXX XXXX XXXX XXXX to start my financial life in the United States, Im an XXXX  who came to the XXXX on XX/XX/XXXX of XXXX to start a new phase of my life and I thought Bank of America was a good option for me. I was advised by XXXX XXXX and XXXX XXXX that it was a good idea to get a secured card credit of a {XXXX and after 3 months with my constant financial movements and well payment behaviour my name and credit score was going to be visible in the credits bureaus of the U.S. I went on XX/XX/XXXX of XXXX to the branch in Downtown to communicate with the credit card department to ask the reason why I did not get what they promised and did not found an answer to my problem. Today XX/XX/XXXX of XXXX I still don't have a XXXX Score even though I followed all the recommendations and procedures to get one. I'm taking the decision to file a complaint after I called and went several times to the branch and did not get a solution.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Amount USD Account Number Provide XXXX XXXXXXXX XXXX XXXX XXXX {$3000.00} XXXX Unverified Account XXXX XXXX XXXX {$2400.00} XXXX Unverified Account XXXX XXXX XXXX {$5200.00} XXXX Unverified Account
Product: Credit reporting or other personal consumer reports

submitted information about my report to Equifax on XX/XX/year> regarding identity theft. They are illegally reporting my information without my consent! per 15 U.S. Code 6802. 15 U.S. Code 1681 c2 says that they have 4 days after receiving to block and delete accounts i listed and they have not done so. Im giving them the opportunity to delete no later than 24 hrs after receipt of this complaint or a lawsuit will be filed FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED EQUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VILOATIONS OF THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discorver Card repo rted on my credit report that the first major delinquency was on   XXXX   XXXX   The problem is I filed   XXXX   XXXX   bankruptcy prior to  Discover Card reporting the delinquency to the credit bureau.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Product: Debt collection

This is a situation that is totally unfair, on XX/XX/2021 I went to a location at the XXXX hospital looking for information with the XXXX XXXX due to problems I had XXXX, and I don't know how they are charging me {$820.00} dollars for a service that I never received, at that time I only wanted information, and now my name and social security are compromised and they sent my information to a collection agency and for that reason I can not obtain credit to buy a vehicle and for that reason my credit is On the ground, I am a single mother with a minimum salary that a medical bill for a service that I did not receive is causing me so much stress and personal problems, I need XXXX hospital to resolve this and stop calling me and delete that information from my credit history, I went to a hospital looking for help to XXXX and they worsened my situation to a critical degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I checked my XXXX and TransUnion credit report and it showed my credit score decreased 16+ points on XXXX  and TransUnion XXXX On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan XXXX {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from XXXX and TransUnion indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX  and TransUnion punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX  and TransUnion encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im aware that DISCOVER has closed my account and from what federal laws states in 15 USC 6801S-2 ( 4 ) ( 7 ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 15 USC 1681a ( p ) of this title furnishes negative/closed information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative/closed information, in writing, to the customer. As a natural person and consumer clearly, Ive been abused by your corporation. I found out my account was closed through third-party companies which is a violation. I didnt give your company permission to close my account or expose my privacy. Since closed my account please send my rescission forms for my remedy and Im demanding you to remove this closed account from all three of my consumer reports from all three consumer agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear XXXX, Equifax XXXX CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation into ( Account info Account name XXXX XXXX Account numberXXXX ) took more than 4 months. I have the right to an investigation into the accuracy of this account. 

The notice was sent by mail XX/XX/XXXX of XXXX. Misplacing this notice is not an excuse. 

verifying information from a 3rd party is not an investigation! I have the right to a proper investigation into this account. I need signed documents, and all accounting transactions in my name!
Product: Debt collection

I have my identity theft report to midland credit Management and they are still attempting to collect Dept via mail
Product: Prepaid card

My check was Direct Deposit on XXXX/XXXX/15 .and I have yet to receive it.not not is answering the phone, and if the do your holding on for hours..RUSHCARD IS A SCAM ..
Product: Credit card

I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
Product: Credit reporting or other personal consumer reports

I need you to take immediate action on this matter. Experian is reporting an account from XXXX Bank on my credit report. However, this account and balance do not belong to me. It is a case of fraud/identity theft, and I have notified them numerous times. I have attached multiple letters from XXXX and have sent them to Experian multiple times. This account is not mine and needs to be removed from my credit files.