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

XXXX XXXX XXXX XXXX is reporting an account as charge off on my credit report along with payment history, balance, and past due. I have never had a credit account with them and they are listing term and payment history. Secondly this account should have been discharged with my bankruptcy. I spoke with a XXXX XXXX at branch and she stated she never received any discharge paperwork from the court. I then contacted Experian they stated the court did not report bankruptcy to bureau. I responded that per the courts they do not furnish information to any credit bureaus. Experian then stated that either I needed to send them copies of the schedules I filed with the court ( almost 3 years ago ) or the court would have to call them because of a recent lawsuit they will not accept any discharge papers or the info that the creditor provides to them which is unacceptable. XXXX is not reporting it correctly and is not correcting what has been published.
Product: Credit reporting or other personal consumer reports

Two hard inquires unauthorized. This was fraud and I would like for both inquires to be removed from credit report. First one was XXXX XXXX XXXX on XX/XX/2023 and the other one was XXXX XXXX XXXX XXXX done on XX/XX/2023. 

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

FTC VIOLATIONS ON THE FTC REPORT PLZ REMOVE IT ASAP B/C ITS LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows many collections on my credit report. But they do not show the name of the debt collector or original creditor. It just says N/A
Product: Credit reporting or other personal consumer reports

This is in my report and it is incorrect I want it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX an unauthorized payment went through my account from XXXX XXXX in the amount of {$3500.00}. I disputed the transaction and Chase denied my claim because they stated I had to dispute XXXX transactions from XXXX. I notified Chase that their representative advised me that it was past the cutoff allotted time for disputing a transaction. I have disputed transactions from XX/XX/XXXX to XX/XX/XXXX and they were all credited back. I was informed by a supervisor to go ahead and dispute the old transactions. I did dispute those transactions and they denied the claim. The denial was due to me not sending back the signed dispute documents. I then went ahead and sent the documents. I called Chase and they told me it was denied. The reason is that I did not dispute the transaction, but I did. They kept denying my claim although the transactions were disputed. 
For XXXX weeks they have been denying the claim due to an error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR XXXX SENT TO XXXX XXXX Inquiries : ID FOR XXXX SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

Collection 1. Collection XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


Late Payment : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Product: Credit reporting or other personal consumer reports

Did not investigate throughly and left items on my 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 : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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, or personal loan

They claimed to only have processed a payment from XX/XX/XXXX, but have tried to take another payment from me XX/XX/XXXX after setting up a payment for XX/XX/XXXX.
Product: Student loan

I have about $ XXXX in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, XXXX XXXX XXXX XXXX failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. 
By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XX/XX/XXXX-XX/XX/XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XX/XX/XXXX-XX/XX/XXXX timeframe since I was already behind during those months. 
Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with XXXX 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control.
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated 15 U.S. Code 1637b. It requires the creditor to provide a statement in the mail following the rules of 15 USC 16376 and I never received a statement with everything in that article of the law.
Product: Credit reporting or other personal consumer reports

This evening, I was shocked to find inaccurate accounts listed on my credit report, and I cant understand why. I regularly check my report without issues, but this time, it suddenly showed mistakes. I even refreshed the page, thinking it might be a technical error, but nothing changed. I urgently need these inaccuracies resolved and am asking for a thorough review of the documents I submitted to prevent any future worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to use the experian web portal to place a freeze on my credit report. I made two attempts, and the result of each attempt was a page stating my identity could not be confirmed and I would have to mail my information and payment to them by registered mail. Hence, no service was delivered at this time. 
Today I checked my bank account and found I was charged by experian for their non-service, twice. In attempting to call to resolve the issue I experienced call wait times over an hour and no resolution or refund. The service of locking my report should be free in the first place, I never signed agreement that they should hold or sell my credit information, and charging me without delivering a service is plain theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX
Product: Student loan

I'm the cosigner for my daughter. She had gone thru some medical issues and was laid off. My financial status has changed drastically being XXXX. An injury from work. I tried to work out a settlement which they agreed I could lock it in with a parent pay out. Then daughter take over payments she could afford. Mrs XXXX  was such a unprofessional person to deal with at times felt I was being scammed and harassment didn't end. I'm filing chapter XXXX unfortunately. We would come to terms but shed never put it in writing so I'd tell her I'm not comfortable she was exstremely mean I saved dates and times and shed deny talking. So I told her till I get settlement in writing I'm not moving forward .she also bullied my daughter made her cry she was so mean thank you for your, help XXXX XXXX .
Product: Debt collection

Threatened to be at our home in a few minutes to serve papers, called family members and threatened to go to my work. Repeated calls for weeks. A collection agency trying to collect money for services we never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I found out through my XXXX and TransUnionCredit Report that there is a closed XXXX  XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX  XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile. 
XXXX  XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do. 
At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report. 
After further investigation I was able to obtain the account number because nobody in at the XXXX XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX update dispute XX/XX/XXXX Paid and closed XXXX {$520.00} XX/XX/XXXX Collection of XXXX XXXX XXXX Disputed XX/XX/XXXX {$480.00} Written off and i disputed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is saying I owe them I never heard of or did business with this company an has damaged my consumer report.
Product: Credit reporting or other personal consumer reports

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received numerous letters from Resurgent Capital Service ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, XXXX and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did my taxes with XXXX XXXX a couple weeks ago, around XX/XX/XXXX, and they gave me the option to check my credit score. Once I did, I found that there was a credit card opened in my name in XX/XX/XXXX and a school loan opened in XX/XX/XXXX. None of these are mine. I am XXXX and in XXXX i would have been XXXX  so there's no way I opened that card and i-I 've never applied for a school loan. They are still using the card because I see it being updated on my credit report.
Product: Money transfer, virtual currency, or money service

To the PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account XXXX. I firmly believe that this limitation has occurred due to a misunderstanding or an unfortunate error, as I have always strived to adhere to PayPal 's policies and guidelines since the inception of my account. 

I want to emphasize that I have not engaged in any activities that would violate PayPal 's terms of use or policies. The services provided by PayPal have been an integral part of my financial transactions, and I have always maintained utmost transparency in my dealings. This unexpected limitation has left me puzzled and distressed, as it goes against my track record of responsible and ethical account usage. 

I kindly request PayPal to initiate a comprehensive review of my case. I am confident that a closer examination will confirm my consistent compliance with PayPal 's regulations. It is my sincere hope that this appeal will lead to the restoration of my account 's full functionality. 

I understand the necessity of maintaining a secure and trustworthy platform for all users. I am committed to working closely with PayPal to address any concerns or issues that may have led to this regrettable situation. I genuinely value the convenience and security that PayPal offers, and I am eager to continue benefiting from its services. 

In conclusion, I respectfully ask for the opportunity to re-establish the trust that my account has previously maintained. I believe in PayPal 's commitment to fairness and justice, and I am confident that a re-evaluation of my case will demonstrate my dedication to upholding PayPal 's values. 

Thank you for your time and consideration. I eagerly await your response and the possibility of having my PayPal account reinstated. 

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

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I don't understand what is going on, but these items are not mine and the all need to be deleted from my credit report. 

XXXX XXXX XXXX {$51.00} XXXX   XXXX {$360.00} XXXX XXXX {$360.00} XXXX  XXXX {$260.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

My VOD request was made via phone to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX after my dispute of XXXX XXXX XXXX XXXX XXXX  Acct XXXX was submitted directly to the bureaus ( XXXX XXXX XXXX and Equifax ) on XX/XX/XXXX. I received a letter back yesterday ( XX/XX/XXXX ) from Equifax stating that my dispute was rejected on the ground that Equifax is choosing to consider this a frivolous dispute and they will not investigate further. 

This is ILLEGAL according to FCRA Rule 1006.34 Notice for validation of debts! The federal government grants me, as a consumer, the right have this debt investigated and validated with specific data ( including itemized transaction history, proof that the creditor has the right to collect in my state, and copies of the original contract with my signatures, as applicable ). 

I have received NOTHING from either XXXX/ XXXX XXXX  nor Equifax AT ALL placing both organizations in direct breach of federal protection laws!
Product: Bank account or service

On XX/XX/XXXX I made a payment of {$380.00} to my Paypal Credit account. I selected to use my Paypal balannce of {$380.00} and upon submitting payment I received an email confirmation with the following information ( Please also see attached email ). 

" We received your payment of {$380.00} USD and applied it to your PayPal Credit account balance. 

Here are the details : Your PayPal Credit account ending in : XXXX Funding account : PayPal Balance - {$380.00} You paid : {$380.00} USD Payment date* : XX/XX/2017 Confirmation number : XXXX '' On XX/XX/XXXX I noticed that my XXXX checking account was debited for {$380.00}. 
At XXXX Eastern standard time I contacted Paypal about the problem and they stated that I selected my checking account to make the payment. When I told them about the email evidence they put me on hold and then came back and told me that because my account had a transaction for a payment to XXXX on XX/XX/XXXX for {$4.00} and a transaction on XX/XX/XXXX for {$4.00}, than my balance was now {$370.00} and so my checking account was used. It should be noted that the payment was marked as completed on XX/XX/XXXX ( Please see attached screenshot ). I asked that they refund the money to my checking account and they said they would only refund the money to my Paypal account, not my checking account. Further, they would not do it before XX/XX/XXXX. I am still waiting to see if I will have to pay the fee to withdraw money from my Paypal account along with the overdraft fees, potential bounced check fees along with hourly wages and other losses that there error has already caused me.
Product: Student loan

I was recently a victim of an identity theft. My bank account associated with direct debit for my student loan ( AES ) was emptied out and it had to be on a freeze. While my account was on hold, direct debit was rejected and I was hit with a late fee. I contacted AES to explain my situation and to have them reverse this fee but, they refused. I was never late once for over 10 years and I could not believe they would not waive a small penalty due for my uncontrollable circumstances.