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

I have personally been affected by several data breaches. I have found several fraudulent accounts on my report and I am requesting the are removed immediately. Information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX are all in willful violation of FCRA 1681N due to discrimination practices and failing to closely monitor identity theft. I informed all of possible identity theft and three times my wallet was stolen with all my information including bank account numbers and social security cards. I reported this information to the above stated names but nothing was done. A fraudulent company requested my information to the above said names and not only did the companies above provide my information, the fraudulent company ( The XXXX XXXX XXXX ) accessed my account and added themselves as my place of employment.15 USC 1681B I did not get paid by the company and they have access to all my information. XXXX XXXX XXXX was also added right afterwards as my place of employment. I have security freeze on all three credit bureaus but other places of employment still accessed information. Experian continues to charge me XXXX for being a member but I did not sign up for anything to be charged. I have so many hard inquiries from a dealership sending out multiple request for credit on my account. They also provide false information. My privacy rights have been violated and I demand something be done or I will start lawsuit. 18 USC 1028 please advise or assist.
Product: Money transfer, virtual currency, or money service

I believe it began in XXXX or XXXX, I received a XXXX  text from the scammer, posing as XXXX, it seemed as if it was directed to a different person, she asked if it was XXXX I said no.XXXX We started chatting about business. She said she was a crypto currency expert, she instructed me to trade on XXXX and led me through it completely. I did an initial payment of XXXX which on paper turned out to be XXXX dollars. It seemed very sophisticated to me. I then Invested XXXX XXXX, it turned out to be a XXXX XXXX. After I tried to withdraw the funds they told I he had to pay a certain fee, I payed it, more funds were then transferred through multiple banks. The scammer happens to be a client of East West Bank, owner of accounts XXXX XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX ''. East West Bank provided service to a criminal and was involved in Money Laundering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX This company reported an account with XXXXXXXX XXXX XXXX  as a charge off. A charge off is considered defined as taxable income. Why is income being reported on my consumer report. It is illegal to furnish income on a consumer report.It cant be considered both income and debt which is it? You are violating my laws and preventing me from being successful in life. Please remove from my consumer report immediately. 

My rights as a consumer are protected under Title 15 chapter 41. 15 USC 1601 highlights the consumer informed use of credit. At the time I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding and misinformation.
Product: Credit card

This company has still not resolved my issues. I filed a dispute with chase credit card company. No one reached out to me to fix this issue. The XXXX account that was charged to my credit card I did not process or charge to the account. There was another individual who had access to this account XXXX XXXX. I believe she started this account. I do not have login information and I am unable to contact XXXX as there customer service is only handled via email but I do not know anything about the account it was started under XXXX XXXX. I need this request canceled and refunded to me. I refuse to accept this answer as this is a flaw within the chase system. I had requested my account to be closed on XXXX the XXXX XXXX. This was chargee to an account that should have been closed LONG before the webflow charge. I spoke with Chase business accounts representative XXXX XXXX at Chase on XXXX XXXX XXXX Ohio. SHE told me all of my accounts were closed on that day. The charge for XXXX was charged under XXXX not myself.
Product: Credit reporting or other personal consumer reports

XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Original creditor name XXXX  Open Balance {$2800.00} The Signature Wasn't in handwriting INK on paperwork
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX XXXX {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXXry {$1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN is obligated by the FCRA to report accurate information. consumer has called into EXPERIAN and advised ALL inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer. EXPERIAN has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for e-oscar report. if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 
EXPERIAN is securitizing consumers data yet refuse to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XX/XX/XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XX/XX/XXXX payment was due, on XX/XX/XXXX. When XX/XX/XXXX rolled around we noticed that our XX/XX/XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XX/XX/XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XX/XX/XXXX to make our XX/XX/XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that Franklin is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing
30 and 60 days past due, for XX/XX/XXXX and XX/XX/XXXX. We in good faith, did exactly what we had been advised by the rep in XX/XX/XXXX and made no payments until XX/XX/XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been clo
sed with no outcome or response from Franklin American. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.
Product: Consumer Loan

Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered. Contrary to what they claim, attempts were made via phone to lower payment amount, they state they have no record of any such calls. Not every single call is documented, this is no surprise, however, they like to claim otherwise. They are more interested in making payment arrangements than actually lowering amount, arrangements are just to get some payment made but do not offset any charges, fees, etc.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my PayPal account XXXX is permenently locked from all functions due to violation of user agreements, according to PayPal. I respect all decisions and rights PayPal holds, and willing to comply with the permenent account lock, even though they never reveal the reason why or which agreement. On the service phone, an agent was able to tell me that the picture of my ID submitted for identity verification is not clear enough thus triggering the system auto ban, resulting the account lock and it is the final decision without option to resubmit. Account lock info Reference ID : XXXX. PayPal also locked down my remaining balance in the account, including both settled and unsettled funds, from withdraw for 180 days. Payment remitters, like PayPal, can not legally hold any funds for more than 10 days. I need their reply on this issue and release my fund.
Product: Credit card or prepaid card

I had contacted capital one to try and make a payment in full on my card. They told me that they didn't accept payroll cards as a viable means of payment. My card does not have routing numbers or anything of the sort, which prevents me from paying online since I don't have a bank. Then they told me I had to send a money order to them. The last time I did that they still charges me late and it took over 20 days for that issue to be resolved. When I asked them if they were going to cover the money order charges they said they wouldn't do it. Capital one was refusing to take a valid card as payment to pay my bill. My card is accepted everywhere and anywhere but they refused to because of their policies they said. When I asked them to send me the writing in which it states that I can not use my debit card to pay my bill the manager I was speaking to denied to send me anything or tell me where it's located. I've had nothing but issues with capital one trying to get a credit increase to paying my bills. They kept refusing a valid card as payment on my account even though that's illegal to refuse a form of payment and I feel my rights as a consumer has been violated and taken advantage of even though I've had the card for over three years now and only received a XXXX dollar credit increase throughout all those years. I even have the call recorded from which they denied a valid form of payment and how they refused to pay for the additional fees of a money order l, to which they still would have charged me a late fee and I would have had to wait over 20 days like the last time for it to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX I was a victim of identity theft. I check my credit report with XXXX  by XXXX. I see a delinquent account I never had or sign up for With a credit card from US bank. I have a balanced of XXXX with Us Bank that was open on XX/XX/XXXX. During this time I was incarcerated. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. How can I fix this and clear this out from my credit report? Any questions contact me at XXXX.
Product: Debt collection

On XX/XX/2020 [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

There are a few accounts listed on my file that I do not have knowledge of them. There are also list of names and address that is not my name or addresses and never went by those names or lived at those addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX Never late XXXX XXXX XXXX Account number XXXX Never late
Product: Money transfer, virtual currency, or money service

I linked my XXXX XXXX bank account through XXXX to my Chine account.

I did an Ach transfer and the transfer never of {$1000.00} did not go through from XXXX to XXXX XXXX. 

I called Chime and they said it went through ob their end. I called XXXX XXXX and they said they have not received the transfer. 

Neither company is able to help saying the issue is on the other companies end. 

I'm missing {$1000.00} from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from XXXX XXXX from a XXXX XXXX account that was closed on XX/XX/XXXX. On XX/XX/XXXXI contacted XXXX and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by XXXX on that date that they would close the XXXX XXXX card as a possible fraud issue. On XX/XX/XXXX XXXX XXXX XXXX sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XX/XX/XXXXmy credit score dropped from XXXX  to XXXX, a 92 point drop, per XXXX XXXX web site. On XX/XX/XXXX XXXX  customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XX/XX/XXXXXXXX XXXX XXXX advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''
Product: Consumer Loan

I made a payment to Fortiva services 1day too early for {$270.00} on XXXX/XXXX/16 which I was finally told was in the previous months statement cycle. If I had made the payment on XXXX/XXXX/16 all would have been fine but there was no warning message on Fortivas website where I always make the electronic payments. My issue is at the time I was not aware of the statement cycle cutoff dates but Fortiva refuses to adjust the early payment to the next day which would 've made my account current. I had to pay them an additional {$110.00} rounded out to {$110.00} as suggested by the representative to bring my account " current ". My complaint is this is a trap laid by this lender if you are not aware of the statement cycle dates. My regular payment is {$190.00} but I pay extra every month paying {$270.00} to reduce the loan term and interest.
Product: Debt collection

XX/XX/XXXX Balance Healthcare Receivables XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, New Hampshire XXXX XXXX. 

RE : Unauthorized Access of Credit Report - Dear Balance Healthcare Receivables ( BHR ), I am writing to you regarding a very serious matter. Upon reviewing my consumer credit report from XXXX, I discovered that your company, Balance Healthcare Receivables, accessed my personal credit information on XX/XX/XXXX. 
After careful consideration, I have concluded that you had no permissible purpose to obtain my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 
I have never had any business dealings with your company, nor do I have any account or debt with you that would justify such access. Furthermore, I never provided consent for you to pull my consumer report. 
The FCRA strictly limits the circumstances under which a party may access a consumer 's credit report, and I am deeply concerned that your company has violated these protections. Your impermissible access to my credit report is a serious invasion of my privacy and has caused me significant distress, XXXX, and potential harm to my credit standing. 
If you claim that you accessed my credit report due to an alleged account with an original creditor, please be advised that this does not constitute a valid permissible purpose under the FCRA. The FCRA allows access to a consumer 's credit report only in specific, enumerated circumstances, such as when a consumer initiates a credit transaction or provides written consent. 
Even if an original creditor had a legitimate account in my name, this does not. 
automatically grant your company the right to access my credit report. You would need. 
to demonstrate that you had a permissible purpose under 15 U.S.C. 1681b, such as being authorized by me to access my report or being in the process of collecting a debt that I actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Product: Vehicle loan or lease

We have a auto loan through BMO transportation, we are behind on payments but not in the repossession state, someone from a " Resolution Specialist '' named XXXX XXXX XXXX : XXXX ext. XXXX|Direct : XXXX She has contacted myself and my husband who are the only ones on the auto lease and she has also sent the attached text message to multiple people some that are not even related to us XXXX &  XXXX You need to respond. 

We have commenced repossession efforts, and I will recommend that BMO proceed.

Please provide your attorney 's name and contact information as soon as possible.

We will be notifying your haul sources, so that they understand that their loads may be in jeopardy when working with you.

As I have said previously, you will be responsible for any and all fees associated with these actions on top of what you already owe BMO.

If you have any questions, please call BMO directly at XXXX Now I'm assuming that giving that information to strangers is illegal? 

I attached a screenshot that was sent from my sister-in-law who has a different last name but there are several people that have contacted us as well with the same text message