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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX  shop to shop for a ATV. As I was getting ready to pick the one I wanted I sat with my sells men. He told me I had to get my credit pulled to see if I was able to finance the ATV. We took a look at my credit report and none of the items listed on my report are mine. Please remove the items listed previous from my report and the ones listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that BANK OF AMERICA have placed an inquiry on my XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both BK OF NA and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting or other personal consumer reports

I have filed a previous complaint via this platform. They lowered my score from XXXX to XXXX currently in retaliation. They sent many responses to my last complaint. Which appeared to be just satisfy the last inquiry to my complaint. They have yet to add my bank to the list of banks so can utilize it. They are purposefully being biased and keeping my score below XXXX. The more issues I try to resolve the more retaliatory Experian becomes. 
I thought the credit bureau was supposed to be on the consumer customers side and not self serving. My next plan of resolve will be a court house.
Product: Vehicle loan or lease

This loan is over 7 years old is was due to fall of my credit as on XX/XX/year>, it is still reflecting on all credit bureaus.
Product: Credit card

I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.
Product: Credit card or prepaid card

The month of XX/XX/2018, I received checks from Sears Mastercard stating that I could use the checks for a balance transfer. I sent one of the checks to pay off another account. In 2 weeks, I checked the account to make sure it was paid off, and it was not. I called Sears Mastercard, and they argued with me telling me it took 2 wks turn around. I waited the 2 weeks, and still nothing. I called Sears again and told them, I was going to find another source to pay off the card as I only had one week to avoid their deferral interest charge. They told me they would stop payment on the check but charge me XXXX dollars for their inconvenience. Sears told me the slowness of the US mail was not their fault. I told them it was not my fault either, but they would not stop payment on the check. Ten days later, the card I was paying off received the check, and I thought everything was fine, but Sears said the check reached its expiration date, and they would not use it. Now I have a {$600.00} charge from the credit card to be paid off, as well as a bounced check charge. I will never use a Sears Credit  Card again, and will stop purchases at Sears for using the services of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$750.00}, ( 2 ) XXXX XXXX XXXX XXXX  ( 3 ) Bankruptcy, ( 3 ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX XXXX XXXX  , ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also them dates they're reporting are wrong.
Product: Credit reporting

I have been disputing XXXX XXXX XXXX for years now with Equifax. I have provided information explaining to them that this account XXXX acc:XXXX does n't not belong to me. I told them everything the had my birthday wrong, my address wrong and XXXX other accounts that was reporting incorrectly. They had removed them but told my to wait on XXXX sense it was getting ready to come off.No cause it 's not mine.I had clearly been a victim. Please help me.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed an account that was not reporting accurately. I had a 30 days late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments and Ive attached a copy of my report to show the account and the dates ( XX/XX/year> ) for Account XXXX XXXX XXXX  XXXX Account XXXXXXXX XXXX I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not taking investigation of false account on my credit report against me and XXXX  sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.
Product: Checking or savings account

I am a XXXX  and when I do a service for someone they pay me in the form of a check. I received a check for a service I did for a company. They paid me with a wells Fargo business account check. I also bank with Wells Fargo and I did a mobile deposit to cash this check into my Wells Fargo personal account. For tax purposes I am told to keep these checks for tax time, so I kept it like I was told to do. A month after I deposited this {$500.00} check into my account I get a letter from Wells Fargo stating the following : " The check you deposited via your mobile device, confirmation # XXXX for {$500.00}, was deposited twice. You made a deposit on XX/XX/2021 and the same check was deposited at XXXX XXXX XXXX on XX/XX/2021. We deducted {$500.00} from your account ending with XXXX. '' My issue with this is they took the {$500.00} out of my account and transferred it to the XXXX XXXX XXXX account that is not mine and have nothing to do with. XXXX XXXX  XXXX excepted a fraudulent check that was altered and had an unauthorized signature on it and then Wells Fargo took it from my account instead of the check holders account. This business check account number ends with XXXX. The check should of come out of this account not mine. Wells Fargo took {$500.00} that was not theirs to take and they are not refunding my money.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account being reported to my consumer reports by the name of XXXX XXXX XXXX. They are reporting false information on my account and stealing money from me. BLOCK AND REMOVE this account immediately. This is a fraudulent account. 

XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I spoke to a representative, XXXX XXXX and she said if I sent my reqest for financial hardship and financial statement they would forward to capital one and then we could discuss settlements. They have record of receiving my financial statement but instead of forwarding it they filed a lawsuit without ever contacting me or giving me a different option. Now I ' going to have a judgement on my credit report where it cold have easily avoided. It 's obvious they use lawsuits as a threatening and intimidationg tactic.
Product: Credit card

Back in XXXX this year we called to report fraudalent transactions to the oldnavy credit card but not all were reported as fraud as we requested. Each time we called they only reported a couple of the charges and make us wait for the investigation to complete which takes 3 months. As a result my credit has gone down considerably and now have a delinquency on my credit report.They refuse to report all the charges at once. Currently waiting on a current investigation to be completed. All transactions took place in California from what I remember when I live in XXXX. XXXX XXXX has since closed the account. Most importantly this is the second time that my XXXX XXXXXXXX card has been compromised. 

Iam seeking for them to report whatever many transactions are still left, remove all fees and to correct my credit report as soon as possible to remove the delinquency off my credit report.
Product: Debt collection

To whom it may concern, Account # XXXX No. XXXX XXXX XXXX I have been getting harass and threatened to be sued by Blitt and Gaines P.C Attorney at Law about a debt that I have asked to be validated multiple times which they have come back with bank statement in which under the fair debt collection practices is not enough. 

In addition I also checked my credit reports and this account number does not show as any negative account in my reports. 

I will attach all the documents that I have sent to them with all the dates and tracking number proving that they have received all my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX A XXXX XXXX  XXXX XXXX TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX****Balance : {$92.00}
Product: Bank account or service

There was a deposit made online for XXXX XXXX dollars posted on XXXX/XXXX/2015.. That day I made transactions and according to the ATM receipts my available balance was positive. According to the information online and my statement it reflects that my account is overdrawn. Also, a document that states I authorized the purchase of paper checks when I did not. The banker who opened the account for me offered a promotion that he spoke about so quickly not giving me enough time to read the agreement and, ( according to NY State law, ) orally made an agreement with me stating that if I made XXXX online transactions I would receive the promotion of XXXX XXXX dollars. After going to the branch speaking to the manager he said that the XXXX XXXX dollars was, " like a loan, '' ( which I did not request or authorize, ) and that all I had to do was pay the bank what was overdrawn in my account. He also said that there was nothing he could do about the promotion.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to RADIUS GLOBAL SOLUTIONS to verify a debt that they claim is mine. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. I am aware that they are allotted 30-60 days to review and respond to my letter of validation. I have not received a response from RADIUS GLOBAL SOLUTIONS. I sent a follow-up letter certified on XX/XX/XXXX. According to USPS tracking, RADIUS GLOBAL SOLUTIONS received the letter XX/XX/XXXX. In the follow up letter, I stated that RADIUS GLOBAL SOLUTIONS had 15 days to respond to my follow up letter. 15 days after receiving the letter is XX/XX/XXXX. I have not received a response from RADIUS GLOBAL SOLUTIONS as of today ( XX/XX/XXXX ). This is against my rights as a consumer.
Product: Credit card

My phone was hacked around XX/XX/year>. A charge for online purchase of a phone from XXXX XXXX for {$1100.00} was made. The phone was then picked up at the store without my knowledge. I reported the charge as fradulent, but the credit card company is stating that I made the charge because the information matches my account. I called XXXX XXXX and they said they have XXXX footage of whoever picked up the phone but will not provide it, and thus I cant resolve this matter and am being billed for the phone that I did not buy online nor did I pick up in store!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ). 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

adding debt that is not known to me XXXX and XXXX XXXX sent the ftc violation
Product: Money transfer, virtual currency, or money service

Ian filling out a complaint against cash app Block inc due to inadequate customer service and unfair practices which violate the consumer financial protection act cfpa specifically cash app failed to take timely fraud on their platform leveling my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX and Ive been selling on Paypal.com for a couple of months now. Ive never had one problem with PayPal. I never had any disputes, illegal transactions, nothing along those lines. My sales have all been ligitimate and proven for with receipts. 

On XX/XX/2019 at XXXX XXXX, Paypal decides to permanently ban my account. In the email they do not give a valid reason why. I have over $ 2,000+ dollars in the account that needs to go towards XXXX XXXX. Paypal Customer representatives have been very disprespectful towards me when I ask for clarification as to why I cant have my money. I literally have done NOTHING wrong.  Ive asked to speak with managers and they were no help. Ive asked to speak with supervisors and they were no help. Please help me retrieve my money back.
Product: Mortgage

I filed chapter XXXX bankruptcy in XXXX and my mortgage was included in my bankruptcy. My bankruptcy was discharged in XXXX, XXXX. Ocwen Loan Servicing was paid by the trustee each month. I paid my mortgage in full each month on time!!!!! I received paperwork from Ocwen Loan Servicing on XXXX/XXXX/XXXX that my mortgage was delinquent in the amount of {$8900.00} for XXXX - XXXX. They are now threatening to foreclose on my home if I do not pay the {$8900.00} by XXXX. 

Also, if they had not received payment from XXXX - XXXX, they would have informed the bankruptcy trustee and my house would have been foreclosed on then!!!!!!!!!!!!!!!!!! 

ON ONE HAND THEY SAY I 'M CURRENT AND ON THE OTHER HAND THEY SAY I 'M DELINQUENT. 

My account was never updated with regards to my bankruptcy. My account should be current!!!!!