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

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : 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 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

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both XXXX and Equifax regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX5 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX 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 XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Access to my online banking at PNC was revoked without notice on XX/XX/XXXX. I have no way of seeing activity since I am paperless. Apparently it is revoked for up to 30 days. 

My social security checks were deposited to my account on XX/XX/XXXX. I was advised by branch personnel that the amounts were blocked and could not be withdrawn. It is over {$4000.00}. My account was in credit. I live off social security. 

No phone calls from the bank. No answers to any calls including from branch personnel.
Product: Credit reporting or other personal consumer reports

Ive Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information to my credit report. These remarks have been detrimental to my life and credit health.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I ordered a product with another website ( XXXX ) but used Paypal/Paypal credit as a payment method. We recently moved to Iowa so I had already updated my address on the Paypal website. I had ordered other items previous to this transaction through Paypal ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). Both arrived at the correct address. 

When I ordered through XXXX, I did not get a confirmation of the shipping address. I only learned that it was shipped to my previous address via a notifcation ( and picture ) from XXXX. I checked the Paypal website and did verify that my address had been updated to the current one. 

So I called Paypal and they said they would submit a dispute for me to resolve. I got a copy of the dispute notification minutes later but it did not contain the details I had provided. I the contacted Paypal again and the agent I spoke to said the dispute would probably not go in my favor because they had no record of my shipping address and therefore, Paypal was not responsible for the auto population of my shipping address on the XXXX website. 

I called Paypal credit to clarify and they said they said this was not under their jurisdiction but the jurisdiction of Paypal itself. I called Paypal again and spoke to another agent who said that the shipping address they had was the one for my previous address. So the second agent I spoke to was lying to me. I requested to speak to a supervisor, and the third agent said a supervisor would call me back in an hour. I received no such call.
Product: Checking or savings account

I am writing today hoping you can help me, or at least let me know if there is anything that can be done. I live in New York. I applied online for a loan on Thursday,XX/XX/XXXX, and received an email from " XXXX XXXX '' of " XXXX XXXX XXXX '' stating I was approved. I called the phone number, which is listed as an XXXX TX number ( XXXX ). I spoke to XXXX XXXX and gave him my banking information so that his company could do transfer of a " verification amount '' to my account. I was told not to access my account, as I would invalidate the entire process. XXXX XXXX called me on Friday,XX/XX/XXXX and told me the money was there. He then said I had to return the money back to him via XXXX XXXX and once it was done I 'd be receiving the loan amount of {$2000.00}. When the XXXX XXXX  transactions would n't go through, he had me go to XXXX and purchase {$2300.00} in XXXX gift cards ( 23 cards at {$100.00} each ). After I photographed them and sent the codes to him via email I expressed my unwillingness to continue with the transaction. XXXX XXXX became irate, telling me if I did n't finish the transactions that he would contact my bank to close my account, and would also call the authorities to report that I had stolen the funds from them. On Saturday,XX/XX/XXXX I arrived at my bank at XXXX XXXX. I spoke with a personal client banker, told them I believed I was the victim of a scam. When he logged into my account it was discovered that this person/company put several claims into my bank to reverse several overdraft fees, as well as to reverse a {$3800.00} payment I made to my homeowner 's association onXX/XX/XXXX. The payment cleared and was in my homeowner 's association bank account on XX/XX/XXXX. Chase Bank reversed this payment, without verifying its validity with me via text or email. My Chase account is locked, I have no access to funds, my ATM card is restricted. I have no money. The homeowner 's association is demanding the payment be resent to them in its entirety or they will take legal action against me. Chase Bank and everyone else I am dealing with are treating me as the criminal, not the victim. I 've filed reports with the my local authorities, IRS, FTC, Better Business Bureau, Chase Bank, the " real '' company XXXX XXXX XXXX. No one is willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/VICSCRT XX/XX/XXXX XX/XX/XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

I am not liable for this debt with Portfolio Recovery Associates. I do not have a contract with Portfolio Recovery Associates. Under 15 usc 1692cXXXX XXXX XXXX XXXX XXXX as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE TO TRANSUNION, XXXX, AND XXXX TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED IMMEDIATELY.
Product: Mortgage

I have been having trouble making a mortgage payment over the phone. I have been trying to reach someone by phone with no success. Whenever I call I am told by an automated system that my account manager is not available. I have left messages for the account manager with no call back. I am unable to talk to a supervisor or manager since the system does not allow. I have called the sales department and have stayed on the phone with a sales rep for over an hour to no avail. I am worried that this may lead to additional charges for late payments or other actions for none payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. This fraudulent credit inquiry made by the following company : Inquiry : 1. XXXX XXXX XXXX on XX/XX/2020 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : Not provided ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX ( Open Date : Not provided ) Account # XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : Not provided ) Account # XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX Venmo put a suspension on my Venmo account with {$2500.00} on it with my whole work check after I had tried to transfer the money out of the account because I was waiting on my new Venmo card to come in I dont have a {$1.00} to my name me and my kids havent since XX/XX/XXXX and today is XXXX and my lights just got turned off today Ive been calling and all of the representatives saying they cant do anything about it its up to the account specialist to handle the freeze on my account I cant move or use any of my money on it and they are saying the account specialist only able to use email and dont have a direct phone number they emailed me to send verification of drivers license I sent that then they come back and ask me for a 90 day statement to a prepaid chime card with the last 4 of the card number on it but the account is 3-4 years old and has been closed so I didnt have a 90 day statement they keep saying it take 3-5 days to get the problem resolved and its passed 3 business days and I still havent gotten a email response and their excuse is they are working on other customers accounts also
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Debt collection

Just attempted to call in a Sunday when I was still in CHURCH at XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Experian has Violated my rights. 

I informed them that XXXX XXXX XXXX and XXXX XXXX XXXX were the result of Identity theft. They were Provided with FTC reports. They did not delete these accounts within XXXX XXXXays as required. They after XXXX days claim the debt has been validated and have provided no proof of validation. 

12 CFR 1022.3 IDENTITY THEFT means fraud committed or attempted using the identifying information of another person without authority. 

I did not give Experian the authority to furnish this information on my report. I have no contract with XXXX XXXX, nor do I have a contract with XXXX XXXX XXXX. 

Experian, XXXX XXXX XXXX and XXXX XXXX XXXX according to 12 CFR 1022.3 have committed Identity theft. 

I was not provided with any disclosure information from all three of these institutions, because they have stolen my identity. 

This is a violation of the Privacy act of 1974 and 12 CFR 1016.7 15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Credit card

on XX/XX/XXXX  there was a charge made for the {$1000.00} on XX/XX/ there was another charge for {$1200.00} I contacted credit company and specially told them i did not authorize these charges. 
I was told that i had to speak to fraud department as i did and answered all questions Told them card was in my possession at all times and DID not authorize the use of my card to anyone. They credited my account months went on and no issues. then i was charged backed saying that the chip was used and and i said it must of got duplicated not sure put again i did all that was asked from me and these has been months of wasted time. I have a XXXX credit score so i need this resolved and Help please as Citi has be doing nothing i need real proof
Product: Credit reporting or other personal consumer reports

I have been trying to remove fraudulent accounts from my credit report due to identity theft. The disputes I am filing are not being done correctly and the paperwork I am submitting is not being attached. The FTC reports are not being sent to the creditors and I am not getting copies of the verification process that I am requesting according to the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022, the FTC ordered Credit Karma to pay {$3.00} mil to consumers. I was a victim of these false claims by credit Karma alleging I was pre-approved but was denied. The misrepresentation of Credit Karma has caused severe mental anguish and anxiety for my family and I. I had applied for a personal loan of {$10000.00} and two {$10000.00} credit cards and was also denied.
Product: Credit card

I signed up for a XXXX Secured account ( paid {$300.00} ) but was n't made aware of the {$35.00} annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge {$58.00} so I asked for my {$240.00} in writing on XX/XX/2015 and have yet so receive it even after attorney letters went to them. They did send XXXX cks ; XXXX for {$120.00} and the other {$55.00} but those cks add up to {$170.00} and were not cashed. So where is my full {$240.00}?
Product: Credit reporting or other personal consumer reports

The Affected Consumer brings this action against Experian Information Solutions , Inc. ( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX  on multiple occasions and they are always telling me that they cant pull up any information about a account for me..This account was fully settled but reports getting screwed around by everyone who was involved with this account.It seems that none of the credit bureaus are doing a proper investigation on this account because every time I call XXXX XXXX  they cant even pull up an account for me.My disputes are always coming back as VERIFIED but by whom because all I get from XXXX XXXX  is I cant pull up the account. Somebody somewhere is not doing their JOB correctly and I have had enough of the XXXX.. THIS IS AN ACCOUNT THAT I PUT UP MY OWN MONEY TO OPEN AND MY CREDIT REPORT IS BEING RUINED BECAUSE EVERYONE INVOLVED SEEMS TO JUST DONT CARE..
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX  ( Original Creditor : Original Creditor ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.