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

I have recently reviewed my consumer report and noticed some unauthorized inquires & accounts on my report and my right have been VIOLATED. In pursuant to 15 USC 1681 section 602A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. None of the creditors complied with the gramm leach bliley act ( 15usc6802 ) i was never given the ability to opt out and my information was used without my permission which is identity theft. The hard inquiries & a few accounts on my report constitute being identity theft as well because the corporations that furnished them on my consumer report never had permissible purpose or written permission by me to even put them on my report. the permissible purpose law ( 15usc1681b ( A ) ( 2 ) & the GLBA have been violated which results in identity theft. 18usc1028 ( a ) ( 7 ) defines identity theft which is someone possessing, transferring or using a means of identification of another person unlawfully. Failure to comply with FCRA can cost anywhere from XXXX to {$1000.00} per violation, in addition to punitive damages determined by the courts. With that said, these companies has not only infringed my right to privacy but also violated multiple Federal Laws. I have also reported this to the Federal Trade Commission, reference # XXXX. Below will be a proper list of inquiry names with dates & accounts that I demand to be removed/deleted from my consumer report immediately! 

XXXX. XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXXS ON XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX, XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX FXXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX ON XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for {$620.00} a collection account XXXX  XXXX, and {$740.00} for account XXXX  XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I owe, is a violation of the XXXX, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Debt collection

Asked XXXX and XXXX to research a collection on my credit report from Harvard Collection.  This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.
Product: Mortgage

on XX/XX/XXXX I applied to Santander bank to refi my mortgage. My credit card was charged {$390.00} as an application fee by Santander on XX/XX/XXXX. Santander changed the rate after getting my commitment letter, which made it uneconomical for me to proceed with it. on XX/XX/XXXX I have requested in writing to withdraw my loan application. I am attaching the loan withdrawal confirmation letter I got from Santander bank. since then the bank has refused to refund me my application fee.  the fee is clearly refundable. I have tried many times but no success.
Product: Debt collection

My consumer laws are being violated. Ive never received a XXXX in order to account for this as income. This debt is a charge off/written off by consumer, however this is considered as an income and income is not supposed to be reported on my credit report.
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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$670.00}.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going in order to rightlfully retrieve my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I have no other souce to store my funding and have recvently got out the hospital from XXXX XXXX and used PayPal quite frequently. My email linked to my PayPal is XXXX Re : XXXX ( Reference Number ) Message attached below You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 


Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 


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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX / Account # : - XXXX XXXX XXXX  / Account # : - XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) / Account # : - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX BANK XXXX A ) / Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Account # : - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX )/ Account # XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Account # : - XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX BANK ) Account # : - XXXX XXXX XXXX / Account # : - XXXX XXXX / Account # : - XXXX XXXX XXXX  / Account # : - XXXX XXXX XXXXXXXX Miscellaneous Finance XX/XX/year> XXXX XXXX Bank Credit Cards XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 XXXX 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 XXXX 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Money transfer, virtual currency, or money service

I finally received my XXXX XXXX card with my funds on it after waiting weeks when I did my money was on there but after like 3 days boa took my money leaving me in the negative balance everything I certify for has been taken I spoke with edd they said it was no fraud on my behalf so why has the bank taken my money no time frame of when it would be fixed I'm extremely discouraged and don't know what to do.
Product: Credit card or prepaid card

WAS GIVEN A BALANCE TRANSFER OFFER FROM CHASE FREEDOM CARD AND APPLIED ON LINE AND RESPONDED TO THE OFFER WTHIN THE ALLOTED TIME.. WE HAD AVAILABLE USABLE CREDIT ON THE CARD OF {$11000.00}. WE INDICATED THE TRANSFER IN THE AMOUNT OF {$9000.00} TO BE TRANSFERED INTO OUR XXXX XXXX ACCOUNT. 
AFTER A WEEK THE FUNDS WERE STILL NOT TRANSFERED. WHEN WE INQUIRED WHY THIS HAD NOT BEEN TRANSFERED, THEY HAD NO OFFICIAL REASON AND HAD NOT INFORMED US OF ANY PROBLEM OR REASON OR SITUATION EXCEPT IT WAS JUST NOT DONE!!! ..SLIPPED THROUGH THE CRACKS. ETC ETC ... AND WE DO HAVE PERFECT CREDIT! 
SO CHASE MADE THE OFFER AND DID NOT DELIVER WHAT WAS PROMISED!!! ... THIS IS DEFINITELY NOT OK!!! ... ESPECIALLY TO NOT INFORM US, AND WHEN WE ASKED THEM TO CORRECT THE PROBLEM THEY INDICATED SORRY, ... THE OFFER TIME HAD EXPIRERED .... '' ARE YOU KIDDING??? '' WE WERE DEPENDING ON THIS OFFER ESPECIALLY WITH THE COVID-19 SITUATION ... .BECAUSE OF THEIR ERROR WE ARE CURRENTLY THE EFFECT!!! 
THIS NEEDS TO BE CORRECTED!!!
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX XXXX XXXX XXXX my personal information was compromised due to a data breach with Equifax, XXXX and 2 other companies being hacked. This breach exposed my private financial data, resulting in unauthorized accounts being reported on my credit report. The accounts in question were not authorized by me and do not reflect accurate or legitimate activity.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to privacy and accurate credit reporting. The unauthorized use of my personal data following this data breach directly violates these rights. Furthermore, per 15 U.S.C. 1681c-2, credit reporting agencies are required to delete inaccurate or fraudulent information within 4 business days upon receiving sufficient evidence, such as an FTC Identity Theft Report or equivalent documentation. 

I have made attempts to resolve this matter directly with the companies involved, requesting validation of the accounts and proof of authorization, but they have failed to provide adequate responses or documentation. 

The continued presence of these accounts on my credit report has caused harm to my financial standing and violates my rights under the FCRA. I am requesting the CFPB to enforce compliance with the law and ensure that these unauthorized accounts are removed from my credit report immediately.
Product: Debt collection

Urgent Assistance Required : Identity Theft and Fraudulent Account Information Dear XXXX Team, I am writing to formally request your assistance regarding a serious issue I am facing with my consumer credit report.

I have filed this complaint with the CFPB in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to ask for your support in blocking specific information on my consumer credit report that has arisen due to identity theft and fraud. Within four business days of receiving this complaint, I kindly ask that you block the following fraudulent, inaccurate, and false information : Trueaccord acct # XXXX which appears to be related to the fraudulent account with XXXX XXXX XXXX. Theres also XXXX inquiries XXXX XXXX XXXX XXXX being recorded on my FICO credit report. I have attached a detailed list of the hard inquiries in question, along with a copy of my consumer FICO credit report maintained by your agency, which highlights these fraudulent items.I want to emphasize that I do not recognize any of the aforementioned collection, or hard inquiries. They were not opened, made, or initiated by me, but are indeed the result of identity theft and fraud.To substantiate my claims, I have included a copy of the FTC Identity Theft Criminal Complaint issued by the US Federal Trade Commission. This serves as proof that all of the disputed collection, and inquiries are linked to identity theft and fraud. I appreciate your prompt attention to this urgent matter, as these inaccuracies are significantly impacting my financial well-being. Thank you for your understanding and assistance.
Product: Credit card or prepaid card

On XX/XX/XXXX, we used our XXXX XXXX XXXX Mastercard ( Barclays Bank ) and paid {$1300.00} for two flights ( XXXX XXXX XXXX XXXX XXXX ) - record locator FNJDEA, for a trip we were to take to XXXX, XXXX in XX/XX/XXXX. 

Due to Covid-19, on XX/XX/XXXX, our resort reservations and our flight reservations were both canceled by our travel company when travel was restricted by the US State Department. We were supposed to be refunded for both our resort costs and our flights. The credit card we used to pay for the resort costs refunded us immediately, while XXXX XXXX XXXX Mastercard did not. I filed a claim with XXXX XXXX XXXXXXXX card/Barclays Bank and a refund was not issued.
Product: Credit reporting, credit repair services, 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 TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Debt collection

Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.
Product: Checking or savings account

I have overdraft protection set up via a link from my checking account to my credit card. Bank of America charged me {$35.00} on XX/XX/2018 and {$35.00} on XX/XX/XXXX. I was told that my card wouldn't work if there wasn't money on my credit card to cover any transactions when I agreed to set the link up. I am disputing the {$70.00} worth of overdraft charges.
Product: Credit reporting

I have been experiencing issues with possible identity theft so I submitted a written dispute to Equifax asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
Product: Credit card

* My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a " Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I reviewed the consumer laws and was notified that everything on my credit report have to be reported 100 % accurately and it's not and I would like to get more information on my accounts thank you so much
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX if XXXX Tried to get it taken off my credit bc I didnt open the card
Product: Credit card or prepaid card

My child support Master card was closed with out any formal information on the complete purpose to why. 
I contacted the card holder Key customer service and was told. My card was confiscated, only I had no understanding, due to holding my master card in my hands.I was informed that, I had to send a email for verification of my current address. 
The Kansas payment center updated my address yrs ago. Key customer service would not update my personal file. Kansas payment center had to verify the information update to Key, along with my email and certificate mail in my name.

. I was contacted by mail from XXXX explaining from XX/XX/2018 to present my card has been duplicated. The information shows a year 's worth of unauthorized charges from my account after there Cyber system detected a breach from my original card.. I seek reimbursement from all transactions from all unauthorized transactions. 
I also have transactions not reported of my card used for other purpose outside of information detected not from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being shared and displayed as factual without my verification or permission ( 15 U.S. Code 1681b ) P.L 90-321 ( 82 Stat. 146 ) As a consumer, I am writing to inform you that I am revoking any and all consent to you, as consumer reporting agencies, to furnish my personal information. This is in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the policy of Congress ( 15 USC 6801 ) to respect the privacy of consumers and protect their confidential information.

I have the right to make sure my private information is not shared without my written consent, and I have not given such consent. Furthermore, I have not been informed of my right to exercise my nondisclosure option under 15 USC 6802 ( b ) ( c ). The account you are reporting is an adverse item and is being reported without my permission, which is against the law ( 15 U.S. Code 1681c ( a ) ( 5 ) ).

I am also requesting that you maintain reasonable procedures, as required by 15 U.S. Code 1681e, to avoid reporting inaccuracies and limit the furnishing of my information to authorized purposes. 

Considering the above, I am exercising my right to opt out of your reporting services, as per 12 CFR 1016.7. I request that you take immediate action to remove my information from your records.

Thank you for your understanding and cooperation.

Summary of Laws that support my requests> 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 XXXXeven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Progressive Management Systems, is reporting that I have an open account with them when I do not. The medical bill is being paid through XXXX XXXX XXXX. They notified PMS to cancel the account because I have qualified for financial assistance and will be making payments directly to the hospital. I have asked them to remove it, as well as the liaison from XXXX who speak with representatives at PMS. I have also disputed this account on multiples platforms and they are still maintaining that I have an account. The representatives at PMS are very rude and do not care about customer issues at all.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Bankruptcy XXXX XXXX Bankruptcy. Reference # : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.