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

XX/XX/XXXX XXXX XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX. <P/>XX/XX/XXXX XXXX XXXX REPORTED ON MY CREDIT REPORT STATING I OWE THIS AMOUNT AND I 'VE NEVER RESIDED AT THE COMPLEX.
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! 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 XXXX Balance Owed : {$2000.00} ; US DEPT ED XXXX Balance Owed : {$4700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed XXXX {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX 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 XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I noticed today XX/XX/20 on my banking app that my balance was a few XXXX dollars short and I immediately had an unrecognized XXXX gas station charge for XXXX . I've never spent that much at a gas station in my life! And I drive a XXXX XXXX. The charge was a 40 minute drive from me. I called XXXX and they say my debit card was most likely skimmed and duplicated. I've been holding back tears all day. My life has been hard enough with this pandemic going on. I already contacted my bank, Bank of America but I want a fair and speedy investigation and accountability. I'm missing at least XXXX $ maybe more.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # 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 an account without my written instructions.
Product: Checking or savings account

Today I spoke with XXXX XXXX at BofA who said I would no longer be able to do online wires or online banking and that I could not transfers funds because I am XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered Cap1/WMXXXX XXXXXXXX XXXX XXXX XXXX Status Paid or paying as agreed, Credit Usage : XXXX XXXX were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year, I attempted to use Venmo to complete a payment that would be covered by its recently created payment protection program. 

Prior to conducting the transaction I made sure to read the details of the service because I am extra cautious about online transactions and the potential for fraud. The seller had posted a listing on XXXX XXXX and had a profile with a number of indicators that would suggest they were a regular person ( friends, actual pictures, not created recently, etc. ). The transaction amount was also small enough, {$65.00}, that it would not be a tremendous loss. While completing the payment, I was careful to toggle the purchase feature on and saw the green shield icon with a checkmark indicating that my purchase would be covered if I did not receive the item purchased as it was described. The seller communicated to be that they had received the payment and would ship after the XXXX XXXX holiday ; however, they're accounts on Venmo and XXXX became inactive and/or un-viewable. 

I reached out to Venmo to utilize what I had assumed would be a straight forward process of refunding funds that should have been frozen until I received and inspected the item ; however, the agent I was connected with claimed that I had not enabled purchase protection. I was absolutely shocked because I was very deliberately intending to use this feature for this transaction. The agent refused to provide a representative identification number and claimed I'd get an email transcript and follow up. I explained to her that I wanted this issue escalated to both the software department because I am confident that a log of app button presses would show that I selected the option. I also asked that it be escalated to her manager due to her unwillingness to provide information that I could use to identify her within the company while resolving this issue. Thirdly, I asked for it to be escalated to someone who could handle fraudulent transactions. She claimed it could only be escalated to one person at a time. From there, I received and responded to several generic emails that seemed to ignore my specific complaints that the app functionality was not working or that scammers were exploring a glitch with eliminating the purchase protection. I also mentioned that my next step would be to reach out to the CFPB and/or related local agencies/authorities. Venmo did not refund my money and said some action, that they could not specify, might be taken against the person who did not follow through on the transaction. In this instance Venmo is perpetrating financial fraud through a vague and ambiguous purchase protection service that does not seem to work and which they refuse to clearly support. It also seems that even if a consumer were to fail to properly enable the protection service, it is a poorly defined and implemented financial product ( it sounds like they charge the seller ) that lacks clear confirmation before purchases are made. Please help stop Venmo from benefiting from fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX agent that uses the verification system XXXX ( Tracker and Reporting of Operations System, XXXX : XXXX : XXXX ) in order to verify the information of the consumers and provide solutions that improves their health and their lives. 
But before using the app, my identity needs to be verified, in this case through the company Experian, which process I was never able to finish since they automatically said " my identity couldn't be verified ''. I tried to find a solution with them through the phone and the only thing I was told is that they couldn't find any credit history related to me, denying any other way or option to verify my identity. 

My job depends on this, if I'm not able to use the mentioned tool, I can't do my job and so i will be fired. 

I hope that you can help me to solve this mayor inconvenient. 

thank you
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft.

I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data.

I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation.

To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Product: Debt collection

Our office notified Capital One that XXXX XXXX passed away and that we were acting as his representative. We advised Capital One that we would notify them if an estate opened. 

After receiving our notification, Capital One began sending letters to the former business of the decedent stating, " We're trying to find the person who has the authority to pay the outstanding bills of XXXX XXXX XXXX out XXXX XXXX XXXX XXXX 's estate. '' Since we wrote to Capital One providing them with an address to communicate about the debts of the decedent, there was no proper reason for them to contact the former employment address. Capital One was provided with an address to send any questions or correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

I fell behind on my credit card payments. I was five payments behind when I was offered a payment arrangement. I had to pay the past due amount in installments of {$72.00} and the card would be in good standing again. I was never advised that the card had been restricted or would be unable to be used if I made these payments. I made the payments as directed, brought the card back current and under the limit. The moment that the card was " current '' again my account was restricted. I have contacted Capital One on two occasions to have this rectified without assistance. I have been told I just need to keep making payments and they review accounts periodically to remove restrictions. No idea how many payments I will need to make or how long before I can use the card again. I was never advised of this in the letter I received to make the payment arrangement. I feel like I was misled into making payments that I would not be able to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with XXXX XXXX and Equifax Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of XXXX not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from Equifax Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either Equifax DID NOT do a through investigation and did not give me my due process or when XXXX Card sent information to Equifax they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN LAST DAY XX/XX/XXXX MY REPORT UPDATES TO ACCOUNT UPDATED ACCORDING TO Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective XX/XX/XXXX XXXX upon enactment ). 

ALL INFO MUST BE ACCURATE IF NOT REMOVED OR COMPENSATION SHOULD BE SEEKED THIS IS MY LAST EMAIL TO THEM BEFORE I SEW THEM FOR IGNORING MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : XXXX, Creditor : 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. 
I don't owe this company.
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. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX  XX/XX/year> The following inquiry was not authorized and should not be reporting. 

XXXX - XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report that have come to my attention. According to my credit report there are incorrect addresses, phone numbers, and employers listed. This information is erroneous, and I am concerned that these inaccuracies are negatively impacting my credit profile. 

I request that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate and up-to-date information. Under the FCRA, I have the right to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ), and the credit reporting agency must investigate and correct any errors. Furthermore, once I file a dispute, the credit reporting agency is required to notify the relevant information provider to correct or remove the inaccurate details. 

I respectfully request that you investigate the discrepancies Ive mentioned and either remove or correct any incorrect personal information. Additionally, I ask that you provide me with written confirmation of the outcome of your investigation and any actions taken to resolve the issues. 

For your reference, I have enclosed the relevant documentation supporting my claim ( e.g., proof of address, phone number, and employment history ). 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked the Credit Bureaus XXXX, Equifax, and XXXX to accurately update and report my correct information. To include removing undeliverable addresses, accurately stating my name, phone number, D.O.B and employer. I have also asked to have inquiries that I do not recognize to be removed and updated as it is my right to have a consumer report that reflects an up to date and accurate account of my consumer report. I have notified the above listed companies and there has been no response and no change. This is causing damage to my credit profiles as potential institutions and companies are confused by the mismatch of information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management XXXX XX/XX/XXXX opened an account in my name in the amount of XXXX. Also reporting, XXXX XXXX  XXXX XXXX XXXX also opened an account in my name in the amount of XXXX, on XX/XX/XXXX. These accounts are not mine and needs to be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # listed below has violated my rights. 
Hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  never late reported incorrectly XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2- IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card

I requested a line of credit increase from Capital One on my Secured Card. At the time I opened the my secured card account I read on the Capital One website : credit line increases would be considered either by additional deposit of funds or review by Capital One. I received an update on the Capital One Message Center stating my request was denied for the following reason : " Unsecured credit line increases are not available upon request on Secured Card account. '' I chatted with Capital One to find out : 1. no funds maybe deposited to increase my line of credit, 2. the message I received concerning denial was not the real reason the line of credit increase was declined, 3. Capital One does not conduct periodic reviews or have a review schedule for a line of credit increase. I came away from the chat with the following : 1. additional funds may not be deposited which is contrary to advertisement, 2. inaccurate reasons for denial are provided by an account rep and communicated to the customer on the Capital One Message Center 3. The customer looking to improve their credit will not have a periodic review 4. Capital One does not have a periodic review schedule for any type of line of credit increase
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt final rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX Main bal. {$8600.00} XXXX XXXX bal. {$12000.00} XXXX bal. {$700.00} XXXX XXXX XXXX XXXX. {$630.00} XXXX XXXX XXXX XXXX XXXX. {$950.00}