23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Upon crypto.com app update, I have been unable to log in. The verification phone number associated with the account is no longer available to me. There has been only the very generic response, after weeks of delays. Up to this date, no one has provided any assistance or instructions on how to verify my identity to recover access.
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 XXXX  according to XXXX-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 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX  3. The inquiry was not authorized XXXX  Date of inquiry : 02/15/2021 Please remove it from my credit report.

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number XXXX XXXX Delete this account.

6. there is some inaccurate information reporting.

XXXX Account Number : XXXX This account has unverifiable and incomplete information please remove this from my credit report Per FCRA and FCBA
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to dispute a medical collection that appears on my credit report. The collection in question is XXXX XXXX XXXX, and the amount is {$830.00}. Account number is XXXX. 

I am disputing this collection because it is in violation of several consumer laws and federal laws. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and complete credit reports. However, in this case, the collection agency has not provided sufficient documentation to prove that the debt is valid. 

Furthermore, the collection agency may have violated the Fair Debt Collection Practices Act ( FDCPA ) by not following proper protocol when attempting to collect the debt. Specifically, they may have engaged in harassing or abusive behavior, or used deceptive tactics to pressure me into paying the debt. 

Finally, the medical collection may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). This law requires healthcare providers to keep patient information confidential, and to obtain written consent before sharing patient information with third parties. If the collection agency obtained my medical information without my consent, they may have violated HIPAA. 

I am requesting that you remove this collection from my credit report immediately. If you are unable to do so, please provide me with detailed information about the debt, including the name and address of the original creditor, the date the debt was incurred, and any other relevant information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in full yet they are still reporting to TransUnion and XXXX as collections.
Product: Debt collection

I have a credit card account with XXXX XXXX. I have two bank accounts set up for my monthly payments. Back in the fall, my daughter 's XXXX account was compromised on a game and charged over 100.00 in XXXX charges. I filed a fraud claim and the money was refunded and then recharged to my account. I asked for this to be updated and resolved through the resolution center numerous times to no avail. 

Then I paid an account with XXXX XXXX for XXXX and it was charged to a Paypal account instead of a XXXX XXXX account. We do not have a Paypal account, we did not sign up for this nor have we ever used it. They tried to take money out of my accounts 3 seperate times, which resulted in XXXX fee each time for a total of XXXX. I asked them to resolve this error for 3 weeks straight. Paypal then credited my Paypal account ( which I do not have ) with the XXXX and left me to pay the remaining XXXX. 

I contacted XXXX XXXX and Paypal never paid them, therefore I paid the balance due to them immediately. 

Paypal will not let me remove my bank accounts as well. The system always says error. 

so Paypal has me paying XXXX for nothing and did not credit my account correctly. I have asked numerous times for this to be corrected and now received a collection notice for XXXX which is not even my charge.
Product: Credit card or prepaid card

I opened an Apple XXXX Credit card and it seems very unfair for an older person to have to text issues, if is VERY difficult to get a person to talk to and they will not mail paper statements. Seems unfair.
Product: Checking or savings account

I opened my savings account online bc the rate was Heavily advertised as 1.50 %. The day after my account was opened the rate was lowered to 1.30 %. Total bait and switch situation. 

Opened / funds available XX/XX/XXXX Rate lowered XX/XX/XXXX Telephone banking agent was nice. Explained rates can be adjusted. I understand that but not the day after the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, do not recognize the following inquiries on my credit report and did not give permission to share any of my personal information with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX I submitted over my Identity Theft Report ID and fcra 605 due to two XXXX XXXX accounts. One of the account was removed from Experian as identity theft but not the other. XXXX has not removed neither. These accounts are 100 % not mine.
Product: Debt collection

I received a copy of my credit report. I noticed I owed I. C. System, Inc {$510.00}. I do not have a signed contract with I.C. System, Inc. I have never done business with this company. I am not liable for collections from this debt from I.C. System, Inc. I am not responsible for this debt with I. C. System. My desired outcome is to have this deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the following accounts on my credit report that are inaccurate and was informed that after an investigation the accounts have not been deleted even though according to USC 15 1681 inaccurate items must be deleted by law. How is it impossible that these accounts were properly investigated when they are still not reporting at least 100 % accurate across ALL XXXX AGENCIES ( Experian, XXXX, and XXXX ) as required by law. Please delete these accounts IMMEDIATELY as they are still violating my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT :  {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX  XXXX  XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX  ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX AMT : {$640.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$700.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$800.00} XXXX/XXXX   ACCT : XXXX AMT : {$660.00} XXXX/XXXX  XXXX XXXX ACCT : XXXX AMT : XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/TJX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm not sure of the official date but around a month or two ago I filed for an investigation on my credit report due to XXXX XXXX XXXX still charging me for a car that I had brought back over a year ago. Because I did not have possession of he car, I did not pay for the car. I 'm not paying for something that I do not have. And the reason I brought the car back is because the car company gave me a different car than I ordered. I 'm not paying for something I did not buy. Eventually, XXXX XXXX XXXX found the car and notified me that they were in possession of it. I contacted Transunion wanting to dispute that claim on my credit report because it lowered my credit score and they said it was " accurate '' and I am fighting it because I should not have to suffer for a mistake that the car company made. I 'm not paying for a $ 25000+ car that I do n't own.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus Transunion, XXXX, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX   DIVISION ~ Judge XXXX XXXX . On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX   the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit immediately. "
Product: Debt collection

Previously filed a complaint with you regarding XXXX XXXX fraud attenmpt to collect {$7600.00} in fraudulent cash transfer claim. Referfernce CFPB # XXXX. 

I thought you had resolved this attempted action to tap my checking account for over {$7600.00}. XXXX XXXX issue me a new credit card in responds to my filing a complaint with you. I thought this card was cleared of the fraudulent transactions, only to find they flipped all the fraudulent transactions on to this card. they used this cards number to access my XXXX XXXX checking account for a payment in XX/XX/2023. XXXX XXXX took this payment back. They again went into my checking account in XX/XX/2023 using a XXXX " XXXX XXXX number and took out more money, which XXXX XXXX took back. 
XXXX XXXX advised me to close the checking account I've had for over 20 years as they can not stop XXXX XXXX from using the " XXXX XXXX '' numbers to access my account, as they have thousands of them. 

XXXX XXXX continued to harass me by posting false claims regarding this issue on every Credit Bureau service. Destroying my credit rating, that before XXXX XXXX attempts at Bank Robbery was over XXXX, and now in in the low XXXX. 

To add further harassment, they have turned over this fraudulent claim to a collection bureau, Jefferson Capital Systems , LLc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 

I am XXXX, sick and need your help!!! Please Stop XXXX XXXX NOW! They shouldn't even be allowed in this country! They obviously are breaking the law in attacking my bank account and credit report repeatedly. XXXX XXXX has never received a cash transfer from XXXX XXXX to my checking account. For ANY amount. Not {$5200.00}, Nor {$2400.00}. These amounts were NEVER posted to my XXXX XXXX accounts!!!!!! AS I reported to you previously. 

Also do something about them ruining my credit. Is this against the law? It should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.
Product: Debt collection

XXXX {$300.00} limit, paid on this account through out the years before learning my rights pursuant 15 USC 1692g I am the original creditor, my personal information, and account information was sold to XXXX XXXX XXXX XXXX XXXX XXXX without my consent or permission. Capital One has violated as a federally protected consumer under 15 USC 1692 & 15 USC 1681
Product: Debt collection

XXXX, XXXX has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected info
rmation.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX