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

I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX : {$9900.0XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 c. ( 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.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe there has been a misunderstanding or error in this decision. 

Firstly, I want to emphasize that I have always strived to comply with PayPal 's policies and regulations. To the best of my knowledge, I have not engaged in any activities that violate PayPal 's terms of service. This limitation has come as a surprise to me, and I am eager to understand the specifics of the alleged violation, as it remains unclear to me. 

I kindly request that PayPal re-investigate my case thoroughly. I am hopeful that upon closer examination, it will become evident that this limitation was placed in error or due to a misunderstanding. I value the services provided by PayPal and the convenience it offers, and I am keen to resolve any issues to continue using this platform responsibly. 

I understand that PayPal takes account security and policy compliance seriously, and I share in this commitment. If there are any actions or steps I need to take to assist in the resolution of this matter, please do not hesitate to inform me. I am ready and willing to cooperate fully to ensure that this situation is resolved amicably. 

I kindly request that my account be reinstated if, upon review, it is determined that no violations have occurred. I appreciate your attention to this matter and your prompt response. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$910.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I closed an account with XXXX XXXX. This past XX/XX/XXXX a check was cut for {$2000.00} and mailed to me. That check has never reached me. I have tried without success to contact and talk with anyone. It has been 3 years that I have been trying to collect this money in which i had to spend hundreds of dollars in court fees getting together the correct paperwork. I have reached out to the us treasury and ask for help. That is where this company is a branch of. I have tried every avenue i know of to contact anybody with this company for answers to why i have not received this check without any success. i did everything i was asked to do by them initially to receive it which was filing a small estate affidavit which cost me {$200.00} through the court as well as provide all documentation ( death certificate and birth certificate ) After they said they sent the check and i waited a reasonable amount of time to receive it all communication stopped.
Product: Student loan

I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to accurately validate accounts on my consumer report please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
Product: Credit reporting or other personal consumer reports

I want these inquiries removed. These inquiries were unauthorized, and I want them removed. 


XXXX from XXXX XXXX on XX/XX/year>. 

XXXX from XXXX XXXX on XX/XX/year>.
Product: Debt collection

XX/XX/XXXX Mailed in disputes to credit bureau ( XXXX, XXXX, and XXXX ) for unknown account at XXXX XXXX XXXX and Syncrony Bank ( Belk ) for amounts of {$590.00} that appeared on my credit report. 

XX/XX/XXXX Mailed certified letter to XXXX XXXX XXXX and XXXX Bank ( Belk ) letting them know that account was not opened by me and ask for signed contract of me agreeing to this account. All they sent back was Summary of account statements and that is not accurate. 

XX/XX/XXXX Mailed all information to credit bureau ( XXXX, XXXX, and XXXX ) asking them to delete information due to account is not verifiable and not accurate and its still reporting on credit.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT : CONVERGENT Coi Opened XX/XX/XXXX + {$380.00} Original creditor : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONVERGENT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate the Zelle has not only neglected to protect consumers by has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Saturday, XX/XX/XXXX at XXXX received a text message stating Harris & Harris is a debt collector who collects for the OK toll authority, that I owe {$49.00}. I live in Indiana and did not ever travel through Oklahoma to warrant these charges. They have the account XXXX for the XXXX XXXX XXXXXXXX listed but no dates, no reference information/details. 

Yesterday, I received a second text requesting the amount of {$49.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX{$3200.00} on XX/XX/XXXX This IS NOT my account, I was added onto this account and had no knowledge, also I've been requesting to be removed from this account since I first noticed being on it in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a noticed that XXXX and experian Placed a 7 year extended fraud alert on my consumer profile with out my written or verbal request! This is a clear violation of FCRA. 
You do not have my permission to place any type of fraud alerts unless you had my written or verbal request to do so. That also includes fraud indicators as well. I have my own identity theft protection through my bank! I demand that experian and XXXX remove all fraud indicators and and alerts from my profile with in 72 hour.
Product: Checking or savings account

I have received at least six letters from banks all over the US saying that they have opened my checking account, that they need more information to open my checking account and have also received debit cards from XXXX ( letter lost ) and XXXX XXXX XXXX  Business Debit Card from XXXXXXXX XXXX No. XXXX. 
XXXX XXXX  : XXXX XXXX. XXXX. 
American Express : Ref No XXXX : Savings Account. 
I have been unsuccessful reaching all of the institutions but have reached some, and three of the letters from last week were mistakenly discarded by my wife. However, I still have three letters from other banks. I do not recall the names of two of the banks since the letters were discarded mistakenly. 
I have XXXX XXXX since a fraudulent tax return was filed under my social security number approximately 5 years ago. I now receive a PIN every year from the IRS XXXX is now helping me. 
XXXX and I have called XXXX and put a credit freeze on my account. 
I want to open a claim. 
I expect many more of these fraudulent checking accounts to have been opened, but I have not received letters other than those discussed above. 
The banks that I have been able to contact say that this is done so that fraudulent wires can be deposited, withdrawn and then leaving me owing a bank for a fraudulent account.
Product: Checking or savings account

PayPal has frozen my account and ask me 2 provide them with a statement from my card which I have done and my account is still frozen with no way get money I need to pay my bills
Product: Debt collection

my identity was stolen someone open an account in my name it was sent to collections. absolute resolution has been assign to collect the debt.this company has been harassing me nonstop with calls and threats and notified them that this account was open fraudulently and. sent them the police report.they are reporting this on my XXXX, XXXX, XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX i leased a 2016 XXXX XXXX for 3 years, and during these years and all my bills were paid on time, and have received multiple calls from Audi financial in regards to assistance with my then account. I return the vehicle in great condition and 10 thousand miles under the yearly usage limit and Upon the return was not made aware from any Audi service member I would be receiving a additional bill or any other notices, and I did not any receive any letters or calls. Six months later i receive a call from a collections agency stating that a bill of over {$500.00} dollars from Audi claiming damages to the vehicle. Before returning the vehicle I recently moved to another residence, so any notices via mail that Audi sent were not received but Audi made no further effort to contact me although they have my direct phone number and have had no trouble contacting me previously. I believe best practices and efforts to settle whatever account issues were not exercised and now my credit has been severely damaged because of this negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XXXX  ), I just reviewed my Consumer report from Equifax and I have noticed that two accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate. 
I have enclosed a copy of my recent Equifax Consumer report XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

Account-XXXX  XXXX XXXX Problem-Incomplete Payment History from XXXX  XXXX XXXX  Solution-Delete Account for reporting Incomplete payment History on a Consumer Report. 

Account- XXXX  XXXX Problem-Missing Payment History from XXXX XXXX XX/XX/XXXX  Solution- Delete Account for reporting Incomplete information on a Consumer Report. 

Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these Accounts be removed immediately from my Consumer Report. 

Thank You.
Product: Checking or savings account

I recently had work done on my automobile at the XXXX dealership under manufacturer warranty, the dealership ended up not doing the work correctly caused damage to my vehicle and refused to give me my vehicle unless I paid them for the supposedly work that they've done. So against my will I was forced to pay them {$790.00} and after that I filed a police report for the damages to my vehicle and ended up having to get rid of the vehicle because of the damage that they caused. I contacted my bank reversed the charges and let the bank know that I was forced to pay these charges and that I wanted that money to be credited back to my account and the payment to be stopped. So on XX/XX/2023 a charge of XXXX was charged to my checking account contacted the bank and had the charge stopped in reversed on XX/XX/2023 for {$790.00}. On XX/XX/XXXX I received a letter saying that the money was permanently added to my bank account and that the case was closed, then on XX/XX/2023 I noticed in my checking account a deduction of XXXX was deducted from my account balance. A few days later I received the letter in the mail stating that we determined that the transaction was processed properly please contact the merchant directly for resolution. I want my money put back into my account because this was a fraudulent charge that I was forced to make against my will. KeyBank waited over 90 days and then without any notification to me deducted {$790.00} out of my account. There is no reason to do this after 90 days and after the fact that you said this was going to be credited to my account permanently. 
As far as banking regulations go this is against bank and regulation E and that Key Bank has a responsibility to follow the rules regulated by the banking commissions and as far as I am concerned and as far as the regulations go they are in violation of Regulation e period I want this money credited back to my account since they have gone and violated regulation e and deducted this money from my account after 90 days has passed they are in violation and I expect them to be reported for doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are fraudulent are on my credit accounts XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX