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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

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 XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11.  The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

17. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting 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 15 USC 1681.

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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. 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: Payday loan, title loan, personal loan, or advance loan

I got an email form the creditor stating that a payment is due on XX/XX/XXXX  in the amount of {$280.00}, when my credit union already made a payment on XX/XX/, on my behalf in their online " Bill Pay Service '' ( See attachments copy of processed check ) with check number and confirmation number. The Upgrade loan account has " not '' been credited for the amount paid of " {$280.00} '' as of today 's date of XXXX XXXX, XXXX, even though it was paid early ... ... Thus, I am subject to late penalties and fees for the payment not being credited on time, ( see attachment, " borrower agreement page 3 '', " highlighted '' in yellow ). It is not " MY FAULT ''.
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 15 USC 1681. 

XXXX  XXXX - {$0.00} XXXX XXXX - {$5800.00} XXXX  XXXX - {$2700.00} XXXX  XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXX - {$210.00} XXXX XXXX XXXX XXXX - {$78.00} XXXX XXXX XXXX XXXX - {$1500.00} - all XXXX XXXX XXXX XXXX - {$4200.00} XXXX XXXX XXXX - {$1600.00} 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 have an account reporting with XXXX XXXX XXXX XXXX I sent in a request to XXXX & Equifax to investigate the data reporting because I saw some inconsistencies between them. They both claim to have done a proper investigation yet it isn't possible to have two different last active dates on the same account.
Product: Credit reporting

AFTER SUBMITTING WRITTEN PROOF OF ORIGINAL SALES CONTRACT AND BANK STATEMENTS PROVING HOW MUCH WAS PAID TO XXXX, EXPERIAN CREDIT BUREAU REFUSES TO UPDATE MY REPORT AND REFLECT TRUE AND ACCURATE INFORMATION. THEY ARE STILL REPORTING FALSE AND INACCURATE INFORMATION.THIS IS MY THIRD COMPLAINT TO YOUR OFFICE FOR ASSISTANCE, PLEASE HELP. I HAVE PROOF OF MONTHLY PAYMENTS OF {$170.00} AND XXXX IS REPORTING {$120.00}. MY HIGH CREDIT LIMIT WAS ONLY {$3000.00} XXXX 'S IS REPORTING {$3900.00}
Product: Mortgage

I started working with a mortgage company : Cardinal Financial Company XXXX XXXX XXXXXXXX ) and its assigned loan originator, XXXX XXXX XXXX XXXX XXXXXXXX ) to re-finance ( cash-out ) my home equity. The process took XXXX  days now and still not closed. There were some bad faith dealing and handling of my file which also resulted in me paying an out-of-pocket appraisal fee which now serves no purpose, and prolong. There are also numerous violations of the law/statutes in my state by the company and loan originator. A detail of this process is written in the attached Declaration. Please review attached.
Product: Credit reporting or other personal consumer reports

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 
-Please remove all non-account holding inquiries over 30 days old. 
-Please add a Promotional Suppression to my credit file.

-Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX DL number : XXXX XXXX XXXX XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I reported fraudulent transactions on my PayPal account in XX/XX/2019, and PayPal has still not responded. The resolution center status remains " Under Review. '' While under review, I have been unable to unlink my banking and credit card accounts, further putting my assets and credit profile in jeopardy. 

PayPal provides no means to contact or followup with an entity that can fix the impasse. 

PayPal has not refunded the approximate {$55.00} taken from my accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a fraudster using the JP Morgan Chase website able to hack the website accessing my profile to create multiple false wires from my business account to be received at their external bank account. The account was out of state with no history of transactions. I was never notified of the wire transfer requests and were never verified via email or phone with me, the account owner. The hacker was able to send a total of four wires over multiple days, even after we recognized fraud and requested Chase bank to restrict and stop any future wires. All wires were stopped except one which was in the amount of {$12000.00} sent to a XXXX XXXX in XXXX FL XXXX. This was sent to a XXXX XXXX with a wire referenced as " Condo Payment. '' I have never sent a wire through my business or personal account and do not have any connection, relation or knowledge of this person. I was told by a Chase representative that the money was sent XXXX XXXX and received by XXXX XXXX even after the wire was flagged as fraud. I am told that XXXX XXXX will not reverse the wire and return the funds to Chase. On the same day after 6 hours on the phone I was told that I would receive a fraud packet that i needed to fill out to file a complaint. After weeks and weeks of requesting the packet and meeting with Chase Bank representatives in person I finally received the packed on XX/XX/XXXX. That same day I was asked if I had filed a police report. No time in the past month had I ever been advised to do so. XX/XX/XXXX I filed a police report with my local department and was instructed to file a IC3 Complaint which was submitted on XX/XX/XXXX. I submitted the following documents to chase bank on XX/XX/XXXX. 
1. Unauthorized Signature or Forged Item Declaration ( signed and filled out XX/XX/XXXX ) this form was faxed on XX/XX/XXXX from the XXXX XXXX Chase Bank branch by the bank manager. Faxed to attn : Customer Claims Department 2. XXXX XXXX Police Department Police Report ( signed and filled out XX/XX/XXXX ) this report was faxed on XX/XX/XXXX from the XXXX XXXX Chase Bank branch by the bank manager. Faxed to : Customer Claims Department 3. JPMorgan Chase Bank , N.A . National Check Forgery Department STATEMENT OF FACT ( signed and filled out XX/XX/XXXX ) this statement of fact was faxed on XX/XX/XXXX from the XXXX XXXX Chase Bank branch by the bank manager. Faxed to : Customer Claims Department 4. Internet Crime Complaint Center ( IC3 ) complaint filed through the Federal Bureau of Investigation ( FBI ) this complaint was filled out on XX/XX/XXXX as advised from the local police department Weeks went by without hearing from the Chase Customer Claims Department even after multiple requests for a status update. Today, XX/XX/XXXX I was finally able to get a hold of a representative in the customer claims department and was told that they have closed the complaint and found no evidence of fraud and that they are not liable for wire fraud. After I disagreed with the representative, telling them this was not fair and highly unethical they hung up on me and ended the call.
Product: Credit reporting or other personal consumer reports

Upon doing my annual credit report check, I was unable to obtain my report through TransUnion. I called and after being on the phone for XXXX hour and continuously being transferred between departs they told me that I have no credit and that my social security number brings up no report. This is inaccurate I currently have several creditors that report to transunion as well as have over XXXX  years of credit date of past credit accounts, as well as at the very least should display all closed accounts. This is a clear FCRA violation. This is affecting me as I am getting credit rejections by not being able to obtain all three reports
Product: Credit reporting

This is a correction to my previous submission : Case # XXXX. 
In my complaint I stated the creditor that was being reported on my credit as XXXX XXXX XXXX. It should have read " XXXX XXXX XXXX ''. 
Since your website does not have a place to correct or add information, I submitted this form.
Product: Payday loan, title loan, or personal loan

I have attempted to call Citizens One XXXX about my XXXX XXXX loan and specifically the outstanding balance. Despite multiple attempts I am unable to get any information about the loan, terms or payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX, XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX, XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold XXXX XXXX, XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX, XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Product: Debt collection

Resurgence collections keeps emailing me constantly and are claiming I owe them money, I don't owe any money on anything, they also didn't send any letters to anyone I know, i checked. They also emailed me 10 times in 2 weeks, insane amount if you ask me.
Product: Student loan

Navient calls me day and night, almost every 15 minutes. They not only harass me but my father as well who co-signed the loan. I am currently enrolled in XXXX   school full-time, and my loans were in deferment. I have 2 years left of education before I even begin to make a salary of any kind. I have blocked their phone calls, but they call from a new number every time.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items ( XXXX XXXX XXXX XXXX XXXX  ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Checking or savings account

I had dropped my wallet somewhere not knowing at first thinking it was in the house or something so logged into my banking app so check my purchases to see what store i couldve dropped it if it did happen to fall out of my pocket. Nothing was done on that day just the day before but online so I tried looking in my house and everything couldnt find it. Needed to get gas so I has my other debit card in the house so I log in my wells fagro to zelle my other account and see 2 different XXXX XXXX  transactions a few minutes apart one for {$26.00} then another one for over {$500.00} immediately mark my card as stolen and processed to call wells fargo. Got a new card and files a dispute told me it would take 10 days to get an update. Not even 24 hours later they updated me saying no error occurred which literally makes no freaking sense how can you conduct an investigation, get video footage and speak with store workers to see who made the charge or if anything suspicious happened during purchase in less than 15 hours. Tell me how? This bank is a joke and they do this everyone they dont investigate anything & they need to be investigated by the FEDs for the practices. Mind you they don't ask any relevant questions just do you have your card and when you noticed it stolen. This wasnt a fraud investigation if anything what they just pulled was fraud. I called after XXXX XXXX was closed so meaning they literally wouldve had to get all documents and everything from XXXX XXXX within 8 hours. I called XXXX XXXX customer service to ask how long it could take for them to get all relevant information for disputes they told me it takes weeks to get everything handled as the store managers have limited access to the back office of transaction. Wells fargo is a joke and doesnt do anything to Protect customers. No text messages for fraud potential no actual investigation this place is a joke.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

By XX/XX/2021 a credit card account and a credit line was opened under my name with XXXX XXXX XXXX XXXX leaving a debt of {$40000.00} and another debt of {$280000.00} I have made several disputes and XXXX does not want to resolve the matter in my favor PRESENT AFFIDAVIT FTC REPORT I sent letters to the Collection agency and the bank I have exhausted all my resources to prove that This was a fraud in my report there is erroneous information such as addresses numbers XXXX does not resolve my matter with all the proof that I have filed a complaint with law enforcement agencies I need help as this was identity theft and they are fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX, Equifax, and XXXX  are reporting. These negative items must be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed immediately from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

On XX/XX/XXXX, XXXX I received a phone call from XXXX at XXXX XXXX XXXX. The number he called from was XXXX. He claimed that I owed a debt on an HSBC Mastercard ending in XXXX, that the card was opened XX/XX/XXXX and had been paid up through XX/XX/XXXX. He said that I owed XXXX and he could bring that down to XXXX. While talking to him he claimed that my employer at the time of the card opening was XXXX XXXX which has never been my employer at any time. This tipped me off that this was a fishy attempt to collect a debt that definitely wasn't mine. He gave me a call back number of XXXX and said his extension was XXXX. He also gave me an email address of XXXX I pulled my credit report from XXXX and didn't see this " card '' listed I also pulled up my current credit report and didn't find this debt either.