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

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 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 any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX  XXXX XXXX - XXXX - My data was affected by the Equifax XXXX breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC. 

XXXXXXXX XXXX - XXXX - My data was affected by the Equifax data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. These claims remain unproven and undocumented, so they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AMER CR ACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the XXXX XXXX Missouri identity theft fraud laws. 

It has come to my attention that CREDIT ACCEPTANCE CORP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, the laws of XXXX XXXX Missouri emphasize the necessity of consumer consent for credit reporting. These laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CREDIT ACCEPTANCE CORP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and displaying a disregard for federal and state laws. 

I demand, with utmost certainty, that CREDIT ACCEPTANCE CORP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and the identity theft fraud laws of XXXX XXXX Missouri. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT ACCEPTANCE CORP will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent unauthorized inquires that I see on my credit report which I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Debt collection

Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies
Product: Money transfer, virtual currency, or money service

I noticed unusual activity on my paypal account I contacted my financial institution immediately. I then contacted PayPal to verbalize that the transaction was not authorized and it was considered fraud. I changed my past word and closed my bank account per the recommendation of my financial institution. I was informed by pay pal that this was an authorized transaction and they refused to dig deeper to assist me with this ongoing issue. Today the negative balance still remains on my account and I can't use my account for business purposes.
Product: Money transfer, virtual currency, or money service

A Cashier 's check ( from XXXX XXXX XXXX ) for an amount of {$990.00} was submitted by me to Ally Bank ( via mobile banking app ) on XXXX. As per bank 's policy, my account was credited with {$990.00} on second business day on XXXX. On this basis, I took out the funds on XXXX evening at XXXX EST and I transferred the money via money order to the scamster. 
Next day on XXXX, bank took out the money back saying that the check was fake. I never received any alert to indicate that it was a fake check. If I would have received an alert on XXXX from the bank, I would have stopped the payment of money order that was done on XXXX. I requested Ally bank to refund me the money because as per me, it was bank 's fault to credit the account and secondly, bank didn't alerted me on time. 
Bank is not agreeing to refunding me the money. Their argument is that bank can take back money even after 10 business days. 

I do not understand that how long a customer should wait in order to be sure that nothing is wrong with the check. I need your help in getting the money back from the bank.
Product: Money transfer, virtual currency, or money service

I have a Cash App '' account I had noticed multiple unauthorized charges, as soon as I became aware of these charges I contacted cash app to dispute that unauthorized charges and canceled my current card and ordered a new card with new number. I also contacted the unauthorized merchant " XXXX XXXX '' in a attempt to resolve the issue with them directly with no resolve. Upon receiving my new card an account number. I received more unauthorized charges from the same merchant. I once again contacted cash app dispute the charges still with no resolve from either parties and still have not been credited or refunded.
Product: Credit card or prepaid card

I was made aware that American Express closed my account without my authorization. On my credit report it says my account was closed on XX/XX/2021. I did not authorize this and because of this my rights have been violated according to the FCRA. I would like my account to be re oped ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a ex XXXX  XXXX. Someone has opened fraudulent accounts in my name I am not sure if it could be due to a data beach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking help with this fraudulent account that BBVA,  formally known as Compass Bank, was not able to properly assist with. I was literally told by XXXX XXXX that this account was denied as fraud since I know who the person is who opened this card. This is absolutely insane! And what is even more insane is this company is STILL talking to him! Apparently, XXXX XXXX asked my wife if I was still in XXXX and I have never in my life ever been to XXXX. But apparently, this company keeps calling the fraudulent person who opened an account under my name. I have attempted to get this escalated to the compliance department with XXXX XXXX and I have not heard back yet. 

I am extremely frustrated with this company as this fraudulent account was not handled properly. There is a line of credit with Compass Bank that is reporting as a charge-off account with a balance of {$19000.00}. This account has been opened since 2001 and I NEVER authorized for ANY account to be opened with your company. I went to get a new car and was not approved as they stated there was a charge-off on my credit report. I told them that was impossible, as I do not have ANY negative accounts reporting. He showed me and sure enough, this account was reporting. I told him that was not my account and he stated I had to go through many steps to get this removed. I am willing to do whatever it takes to get this account removed, as this does not belong to me. How did this company even allow someone to open an account under my name without proper documentation? I have included police reports, proof of my utility bill that I have been living at this home for more than 20 years, and my credit report to Compass Bank. I explained to Compass Bank I knew who opened this account and since I know who did it, they denied my request which makes absolute no sense. But I am not going to be responsible for this credit hit since I did not open the account! Also, this company is STILL in contact with him when I told your company that is NOT me who you are calling! 
I own several businesses and I have more than enough money. I would never open a line of credit with Compass Bank as I do not need to. I havent spent one  penny on this card and now im being penalized for it!! I want to prosecute the person who opened this account but the bank is not taking this seriously! This company is breaking the FCRA by making me responsible for something I am not responsible for! I have sent proof of fraud and police reports to the XXXX XXXX XXXX, Federal Trade Commission, and Financial Protection Bureau. This is very damaging to my life and if this bank does not act accordingly, I will sue for damages. It amazes me how the person who opened the card is living stress free while my life is being damaged. 
I am writing this letter to respectfully ask that this fraudulent account be removed. THIS ACCOUNT DOES NOT BELONG TO ME AND IT NEEDS TO REMOVED UNDER MY NAME! 
Thank you.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX  XXXX These account 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance Account Lockdown with Chase Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek assistance regarding an issue I have been facing with my Chase account, and despite my efforts to resolve it directly with Chase, the matter remains unresolved. 

On XXXX I was informed by Chase that they needed to verify the issuer of two checks on my account. However, their system lacks a method to verify the business that issued these checks, resulting in an account lockdown. Despite my willingness to provide a phone number for verification or to visit a branch with the check writer, Chase has been unable to offer a satisfactory solution. I understand the importance of security measures, and I have suggested an alternative approach to verify the identity of the check writer. Specifically, I proposed providing a phone number and allowing Chase to contact the issuer directly to ask pertinent questions to confirm their identity. Given the current situation, the account lockdown has caused significant inconvenience and financial strain on my end. I have diligently cooperated with Chase, but their system limitations hinder progress toward a resolution. I kindly request the Consumer Financial Protection Bureau 's assistance in mediating this matter with Chase. Your intervention to facilitate communication between Chase and me would be greatly appreciated. Thank you for your time and attention to this matter. I look forward to a prompt and positive resolution.
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

on XXXX/XXXX/2016 requested information about my bill ... .... ( dispute # XXXX ) on my bill it says amt. due {$770.00} so if my payment is {$420.00} and i have {$180.00} in late fees ... WHAT is the {$160.00} for and what am i paying on that late fees? interest? I want an answer a direct to my question not just some standard answer Are you connected to XXXX XXXX in XXXX that failed the US Federal Reserve Test? 
How many loans companies do you own Are you the Company that has lost XXXX class action suits ... XXXX for repossessing vehicles owned by the XXXX military? and XXXX for misrepresentation of value of securities? 
You have not sent me a hard copy of my contract in LARGE print like I requested I am requesting a month by month account of exactly how many days are in each billing cycle since the first month of my loan ... no i do n't want the standard answer you keep giving me i know the number of days vary I want to know the number of days each billing cycle on MY account starting from the beginning of my loan i want this sent to me in a hard copy
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is in deferment. I have tried to dispute this with the agency and XXXX. I have proof. They will not fix.
Product: Debt collection

This complaint is against Diversified Consultants. I am not sure why this is reporting on my credit as I 've never had an account with Diversified Consultants as the notes under the account indicate. According to my credit file, the account number starts with XXXX. I have never had a contract with this company for services rendered. At this time, they are saying I owe them almost {$790.00} and yet, I have no idea for what. I have challenged this with the company and XXXX on numerous occasions in the past and as of this date, it is still reporting on my credit. 

This negative item is hindering my ability to move forward to buy my family a new home. There is no reason for this account to be on my credit when it does not belong to me and it has already been proven to not belong to me. By reporting someone else 's account on my credit, my rights as a consumer are being violated and this is why I am bringing my complaint to the Consumer Financial Protection Bureau.
Product: Checking or savings account

On XX/XX/year>, I spoke with the XXXX of PNC Bank ( XXXX XXXX ) for over an XXXX. She stated that they were closing my account. However, they were temporarily opening it to allow me to get my money. I never received any notification about my account closing and was never notified at the bank on several visits and calls. I mentioned to XXXX XXXX that I was XXXX, needed to get my medications, having a hardship, and urgently needed my money. She said that I could go to the bank and get what was available. I get to the bank and there are saying that the account was closed and they were trying to reach someone with no luck. I was very frustrated, angry, but still calm. As I sitting there calmly waiting, the police comes and ask me whats going on. Im in a XXXX XXXX XXXX because they had me under the impression that they were trying to contact someone. I was trying to get my money and leave. I was shocked that they would do that without it even being necessary. It wasnt even that serious or called for. I dont know why they wouldnt make it easy, so I could be in and out. This wouldve avoided any problems because at the end of the day, I just want my money. This is sad for a bank to treat customers like this and not not make sure that it was a easy transaction so I could be in and out. If something happens to my health, PNC will be responsible and for my late fees that I may occur. All l want is my money and to allow me time for my credits to come through my accounts.
Product: Credit card or prepaid card

Hello, I initiated a balance transfer with Citibank to my credit card account, advertised as a 12 month XXXX percent interest offer, with 3 % transaction fee. The amount transferred was {$13000.00} on XX/XX/XXXX. So today I noticed that the expiration date is XX/XX/XXXX, not the full twelve months. I chatted with a representative and they said that the offer started on a certain date, and regardless of when the consumer initiates the transfer, the expiration date is always XX/XX/XXXX, not twelve months as they lead you to believe. if that is case, then they should at least prorate the transaction fee to be something less than 3 %, but that didn't happen either. Anyway, I think they should honor they twelve months as advertised, or at a very minimum, prorate the transaction fee to be approximately 75 % of 3 %. To make matters worse, my annual fee was charged during this timeframe, and results in interest immediately since there is no way to apply funds to that purchase, so will accrue for the balance of the transfer period. Now that is incredibly deceptive and unfair to the consumer. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.