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

Upon reviewing my updates, the incorrect information and accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ON XXXX ) XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX & XXXX XXXX XXXX {$570.00} This collection is the results of identity theft and fraud.
Product: Vehicle loan or lease

l called them in XXXX due couvid 19 stay home and closing business, asking them to give me sometime to get back to normalcy to pay again on my loan. I made a payment on XX/XX/XXXX they received the payment,XXXX $ went into interest for the previous 3 months. I called them to complain and reverse it they said nothing they could do. The call was on XX/XX/20. My loan is through BECU there # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It's impacting my ability to gain credit. XXXX XXXX Date Opened : XX/XX/2015 Balance : {$330.00}.
Product: Debt collection

This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Services ... Amount {$2200.00} for an authorized/unknown account.
Product: Credit reporting or other personal consumer reports

THERE ARE BANKRUPTCY ACCOUNTS ON MY EXPERIAN, XXXX AND XXXX CREDIT RERPORT. THE SOURCE SAYS THAT THIS INFORMATION WAS OBTAINED FROM THE CLERK OF COURTS OFFICE. 
THAT IS NOT TRUE IM THAT THE CLERK OF COURTS DOES NOT PROVIDE INFORMATION TO ANYONE. 
THIS IS MISLEADING AND MISGUIDING AND INACCURATE INFORMATION AND NEEDS TO BE REMOVED FROM MY CREDIT RERPORTS ASAP. 

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

Equifax has my named spelled incorrectly. They told me to correct the problem I needed to fax a letter along with my ID and social security card. I have faxed it twice and the spelling is still not corrected. They have my name spelled XXXX and it is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE ERRONEOUS ACCOUNTS THAT REPORTING ON MY CREDIT REPORT : AM XXXX XXXX  ***** Opened Date XX/XX/XXXX Balance {$8100.00} Charge off XXXX XXXX  ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} Charge off
Product: Debt collection

Account was not opened by me. Not my account. Account opened and obtained fraudulently.
Product: Credit reporting or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. This inquiry was not authorized XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

7. This inquiry was not authorized. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 

8. This inquiry was not authorized. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 

9. This inquiry was not authorized. 
XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 



Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation. 
I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am rewriting this complaint to EXPERIAN that I want to dispute specific records in my credit file that are unverified, inaccurate, and it had erroneous information, particularly in regard to a bankruptcy record. Please erase the false information that keeps harming my credit report. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. Please see also the attached FTC report to support this fraudulent information with the report number XXXX.
Product: Credit card or prepaid card

On XX/XX/20 I was transferring through my XXXX XXXX account {$500.00} from my Chime Bank account into my own XXXX XXXX account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to Chime requesting a stop on the transfer. Chime said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete XXXX XXXX emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through Chime and am still waiting to hear from a manager. Chime originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both Chime and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an XXXXFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my chime account or to my cash app account. Please help me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I used you service, they are at the top of my credit report again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # 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, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Barclays Bank Delaware. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX XXXX XXXX ( account number is XXXX XXXX XXXX XXXX ). After the close of the previous statement ( XX/XX/XXXX ), I had a statement balance of {$3100.00}. I made payments to bring the account balance to {$0.00} prior to the close of the most recent statement date ( XX/XX/XXXX ). XXXX XXXX never reported to Experian after the XX/XX/XXXX statement that the account balance is now {$0.00}, so my Experian credit report continued to show a balance of {$3100.00}. I submit a dispute on the noted XXXX XXXX account through Experian on XX/XX/XXXX. Experian contacted XXXX XXXX referencing the dispute, and XXXX XXXX responded saying that i still have an account balance of {$3100.00}, which is incorrect. 

As a result of XXXX XXXX incorrectly reporting my account balance to Experian two separate times, i am submitting this complaint regarding my XXXX XXXX XXXX credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Description of Complaint : PayPal. 
I have been using PayPal to receive payment for my online business, on the XX/XX/2022 I received a payment of XXXX $ Merchant ID : XXXX  for a service I rendered and the payment was put on hold for 24hrs, but after 9 hours I got a notified from PayPal that my account has been permanently limited i immediately contacted executive officer and I was told I broke PayPal disagreement which I didnt do anything bad and my account didnt violated any of their rules, and I feel this wasnt fair on my part as I cant have control over how other people use their PayPal account, I just really want my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  ran my credit report without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUMBITTED A COMPLAINT WITH CFB REGARDING FRAUDULENT INQUIRIES WITH XXXX  XXXX. AS A RESULT XXXX  XXXX AGREED TO REMOVE THE INQUIRIES DUE TO IT BEING CONFIMRED AS FRAUD AND NO APPLICATIONS COULD NOT BE LOCATED IN THEIR SYSTEM TO THIS DATE EQUIFAX HAS REFUSED VIA PHONE AND MAIL TO REMOVE THE INQUIRES. I FAXED AND MAILED THEM THE LETTER FROM XXXX  XXXX ADDRESSED TO CFB AND THEY STILL VERBALLY SAID NO. 

I WAS TREATED AS A CRIMAL BY THE REPRESENTITIVE WHICH IS VERY DISAPPOINTING. 

EQUIFAX IS THE ONLY CREDIT BUREAU THAT HAS REFUSED TO COMPLY.
Product: Credit reporting or other personal consumer reports

Transunion investigated and Removed XXXX XXXX XXXX off of my credit report and they recently added it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lately has been following the poor practices of the other bureaus. Disregarding valid disputes and indisputable evidence supporting my disputes. The FCRA laws are rarely followed and investigations are completed without any proper investigation, nor are they able to furnish any documentation supporting their position. I I have tried many times to correct the following issue with TransUnion which they continuously state my dispute is " verified as accurate. '' It is absolutely NOT accurate and they need to delete this fraudulent record immediately as I will be forced to seek legal assistance if they do not address after this attempt at resolution : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$130.00} Status Date : XX/XX/XXXX Account Number : # # # # # XXXX This debt does NOT belong to me. I contacted the data reporting agency who confirmed the SSN, DOB and personal address information was indeed not mine. The agent assigned to this account assured me that this matter was closed and I should not worry about any adverse reporting activity appearing on any of my credit reports. 
When the fraudulent tradeline showed up, I immediately contacted the agent who lied to me about closing out the matter. This time he told me that it was reported in error and he had already notified the appropriate department for removal. To date, the fraudulent tradeline reports only on my TransUnion report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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: Checking or savings account

CaptialOne won't close my account I'm going to report it to local law enforcement as well, any help would be much appreciated, please and thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$8500.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$13000.00} Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5400.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$440.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$7000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$5400.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports from XXXX, Equifax and XXXX. I noticed a late payment on my XXXXXXXX XXXX  line of credit. That show a late payment on 3 different monts. On XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. I was never late on this account on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I've provided a screenshot from my identity IQ account, that shows the inaccurate late payments. Im asking that the CFPB investigate this and ask the credit bureaus to provide proof, in with statements, that these payments were late on the days reported. If they can not provide proof of this. Im asking that this account and payments be updated to paid as agreed. Thank you for your time. The screenshoot of the inaccurate payments are attached.
Product: Debt collection

I just received notification that this account was added to my credit report. I did not receive a dunning letter. The address that they are reporting is not my address and I have never lived at that address.
Product: Credit card or prepaid card

On my Capital One credit card, I was charged by a vendor ( XXXX ) a {$15.00} fee on XX/XX/2020. I tried several times to call the XXXX XXXX phone number to advise them that this charge was an error as the account/service with XXXX XXXX for website forwarding was closed over a year ago. I was unable to talk to anyone or leave any message - the phone system only directed you to their website. I sent the attached letter dated XX/XX/2020 to Capital One. Capital One has not communicated back to me and has not credited my account the bogus {$15.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth with this company and finally resolved the issue ... yet again the irroneous information has been added back and they have tripled the accounts by that I mean they are reporting two and three times to total a whopping 39 IVE DISPUTED AND SUBMITTED EVIDENCE SHOWING THESE ARE  NOT MINE ... they kept switching names and addresses and the fair credit reporting laws states that inaccurate information must be deleted permanently to not reappear at the report agencies convenience .... they reinserted with no knowledge or warning giving and these ARE NOT MINE!!! I ask that any and all accounts from XXXX XXXX AND XXXX XXXX BE PERMANENTLY DELETED PER information sent by equifax and XXXX saying they would be ... equifax kept sending me pending results then completion projected dates knowing they VIOLATED MY RIGHTS as to timely due process and THEY DISREGARDED ALL LETTERS I SENT FROM THE SAID COMPANY SAYING THEY WOULD DELETE BECAUSE THEY COULD NOT VERIFY ANYTHING
Product: Checking or savings account

ON SEVERAL DATES I HAVE GONE TO ALL BRANCHES RE : NO ACCESS TO MY ACCOUNT BALANCE AT ATMS ( USING DIFFERENT BRANCHES : ITS ATMS USING DIFFERENTDEBIT CARDS!! 

NO BRANCHES WOULD ENTERTAIN KY SUGGESTION CLOSE ACCOUNT AND OPEN A NEW ONE